Cynthia Sapien, Certified Dave Ramsey Financial Coach

💰 Winning with Money is Discipline because motivation will take you so far. 💰

Trips to the beach 🏖 are part of my why.

Going when I want, when I want and staying as long as I want!

Find your why will give you the motivation to make a plan and focusing on your why while working your plan will help you create the discipline needed to reach your goals.

Simplified steps to earth building:

1. Payoff debt.
2. Fully funded emergency fund. (Save)
3. INVEST INVEST INVEST

To win with money, you have to pay yourself first!

1. Start where you are.
2. Do what you can.
3. Use what you have.

You deserve financial independence!!! 💰 💪🏼

🏡 FREEDOM 🏡

That’s what financial independence buys you.

Imagine having your home paid off, you car(s) paid off, no debt and income from investments replacing your work income.

What would you do?

Where would you go?

Who would you spend your time with?

Set a goal! 🥅

Make a plan! 📝

Work your plan! 🏃🏻‍♀️

NEVER GIVE UP!!! 💪🏼

Need help?

Free consultations always available!

DM me for your free consultation 😊

💰What’s your why? 💰

My family is my why. Our next chapter is my why. We are looking forward to having the freedom to enjoy our children and their families. Especially our grandchildren with no restrictions on to how and when.

The freedom to choose how you spend your time is the biggest benefit of financial freedom.

Grandchildren are a ways away for us but I can so clearly see us in our dream home with my husband playing with his grandchildren in the playhouse he built them in our backyard.

Find your why, set your goals, make a plan and work it!

YOU DESERVE FINANCIAL INDEPENDENCE!!!

We were not meant to work, retire and die.

RETIREMENT IS NOT AN AGE, ITS A FINANCIAL NUMBER!!!

Need help getting started?

Free financial coaching consultations are always available!

DM me for your free appointment!

💰 Winning with Money means making adjustments when need vs quitting on your financial goals!💰

Remember setbacks aren’t failures and failures are just lessons learned.

If your making mistakes it means your in the game, keep going!

1. Start where you are.
2. Do what you can.
3. Use what you have.

Set a goal 🥅
Make a plan 📝
Work the plan 🏃🏻‍♀️
Make adjustments as needed!

You got this! 💪🏼

💰 You have to plan and work the plan to Win with Money 💰

Vacations and weekend getaways are what we really enjoy right now while we are in the wealth build phase of our plan.

Winning with money just means knowing the goal setting a plan and working it.

In other words be intentional with your money!

1. Budget
2. Get out of debt and stay out of debt.
3. Save/Invest: multiple your money by putting it to work for you.

1. Start where you are.
2. Do what you can.
3. Use what you can.

Just start!!! It will set you up to win. As you learn you’ll make better choices, as you make better choices, you’ll set bigger goals.

You deserve financial independence!!!

Plan to win with money my financial planner can help you do just that or financial coaching.

Interested DM me for a free consultation!

You got this!!!

💰 Sticking to the budget is key to Winning with Money💰

Did you know it only takes $27.39 a day to blow $10,000 a year or $13.69 a day to blow $5,000.

For us this could easily be done with 1 trip to Costco or 1 unplanned meal out a week.

Budgeting and keeping your focus on sticking to it is what will get you to your goals. It’s the small sacrifices that get you to the big goal.

Allow yourself to spend money for eating out, picking up coffee or what ever it is you enjoy doing.

Budgeting is not about deprivation it’s about knowingly allowing yourself to enjoy life without guilt while working towards your financial goals.

1. Start where you are.
2. Do what you can.
3. Use what you have.

Just start!!! It will set you up to win.! 🏆 🥇

You deserve financial independence!!! 💰 💪🏼

💰 Finding your WHY and keeping it in your focus is KEY 🔑 to sticking to your financial goals! 💰

Adjustments may be needed along the way but that’s just proof your working your plan!

Remember:

Find your WHY!

Set a GOAL!

Make a PLAN!

WORK your plan!

Make ADJUSTMENTS as needed!

Never Give Up!!!

YOU GOT THIS!!! 💪🏼

💰 Winning with Money is about how much of your money you keep. 💰

If you’re past debt payoff your next step to focus on wealth building: saving/investing.

1. Payoff debt.
2. Fully funded emergency fund. (Save)
3. INVEST INVEST INVEST

To win with money, you have to pay yourself first!

1. Start where you are.
2. Do what you can.
3. Use what you can.

Just start!!! It will set you up to win.

You deserve financial independence!!! 💰 💪🏼

💰 Becoming financially independent is about freedom. 💰

The freedom to choose how you spend your time all the time! 🕰

This picture was taken last weekend as we celebrated our 23rd wedding anniversary on the California coast.

At the end of our extended weekend like at the end of any vacation we wish we had more time.

That’s our why, our goal is to no longer need to work by 50.

We all deserve so much more then to work until our late 60’s and retire to just barely make ends meet.

Find your why, set your goals, make a plan and work it!

You got this!!! 💪🏼

💰 Winning with Money is about balance. 💰

Budgeting is not to limit spending, it actually allows you to spend as you see fit while achieving all your financial goals.

You have to plan to win!

1. Budget
2. Get out of debt and stay out of debt.
3. Save/Invest: multiple your money by putting it to work for you.

1. Start where you are.
2. Do what you can.
3. Use what you have.

Just start!!!

You deserve financial independence!!!

Have questions?

I’d love to help!

Free private consultations

You got this!!!

💰 Winning with Money requires you to put your money to work for you!💰

If you’re constantly paying someone else interest you’re robbing yourself of wealth building potential.

Learn to play and play to win!

Set a goal. 🥅
Make a plan. 📝
Work your plan. 🏃🏻‍♀️

You got this!!! 💪🏼