A Sunny Side Up Life Podcast Sami Womack

My husband, Daniel Womack, joins A Sunny Side Up Life podcast to talk about his perspective on our debt free journey, budgeting, and different client personal finance situations.
Daniel and I have been married for 14 years, together 19 years. Through that time we’ve gone from half a million dollars in debt to an over three hundred and fifty thousand dollar net worth. 
It hasn’t always been rainbows and butterflies– and often in the personal finance space, a male partner’s perspective is missing. If you’re wondering what it’s like living with a money nerd and financial coach, this episode is for you!
In this episode, we chat about: 
Our love story + how we each grew up with money How we ended up in debt + the actions we took to get out of it The biggest money mistakes we’ve made as a married couple (hint: Keeping Up With The Joneses)  Retiring early, living an intentional life + the difference between wanting to work and needing to work Why you need to budget in cheap fun while you’re getting your financial house together so you can have rich fun in the future + more MENTIONED IN THE EPISODE:
https://www.youtube.com/watch?v=XTTxJLyNQAE https://www.youtube.com/watch?v=sJjJ6KwyvqU&t=3s
SPONSOR(S):
Not Another Personal Finance Podcast: Listen and subscribe to their podcast TODAY!
PAST EPISODES YOU’LL ENJOY:
EP. 109 TRAVEL HACKING + LIVING BY YOUR OWN RULES EP. 115 PAYING OFF DEBT: SNOWBALL VS. AVALANCHE EP. 134 DON'T F WITH THE IRS ASSUL RESOURCES:
1:1 Coaching With Sami: Apply today YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life
A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most.
Learn more at: https://www.asunnysideuplife.com   
HOST BIO: Sami Womack
Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she’s not downing caramel coffee or homeschooling her daughters, she’s creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life.
She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family’s finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born.
DISCLAIMER(S):
This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS:
Audio Engineer + Editor: Garrett Davis Podcast Support + Artwork: Weir Digital Marketing Research: Vee Weir

Andy Hill, founder of the award-winning podcast and blog Marriage, Kids, and Money, joins the podcast to talk all things FIRE (Financial Independence, Retire Early) and mortgage free living..
He and wife Nicole started out their money journey with $50K in debt and paid it off in less than a year. In the next 10 years, they paid off their mortgage and built their net worth to more than a million dollars. Andy and Nicole’s story has been featured in Time, CNBC, Kiplinger’s Personal Finance, NBC News and more!
We talk about how to prepare for a looming recession, why doing what helps you sleep at night is better than what is financially optimal in some cases and the different types of FIRE.
In this episode, we chat about: 
What inspired Andy to get into the FIRE Movement + How he’s forged his own (balanced) FIRE path How to get the whole family on board with Financial Independence The emotional and psychological benefits to paying off your mortgage early Teaching your kids about money and passing down legacy wealth while your children are alive Coast FIRE vs. traditional FIRE + more MENTIONED IN THE EPISODE:
Marriage Kids and Money Podcast: Sami Womack ($350k Net Worth at 33) http://www.marriagekidsandmoney.com/freegift
GUEST BIO: Andy Hill is the founder of the award-winning podcast and blog Marriage, Kids, and Money, a platform dedicated to helping young families build wealth and happiness. He and wife Nicole started out their money journey with $50K in debt and paid it off in less than a year. 
In the next 10 years, they paid off their mortgage and built their net worth to more than a million dollars. Andy and Nicole’s story has been featured in Time, CNBC, Kiplinger’s Personal Finance, NBC News and more!
When he's not talking money, he enjoys watching his kids play soccer, singing karaoke with his wife and watching Marvel movies. 
GUEST SOCIAL LINKS: Instagram Facebook Twitter YouTube PODCAST SPONSORS: 
Not Another Personal Finance Podcast PAST EPISODES YOU’LL ENJOY:
Paying Off $600k+ Of Debt, Having A 70% Savings Rate, & The Intersectionality Of Money + Intentional Living With Rachel Rainbolt Deconstructing Money Shame, Navigating
Mental Health & Finances, And 3 Reasons Dave Ramsey Sucks With Lexa Vandamme ASSUL RESOURCES:
1:1 Coaching With Sami: Apply today 2023 Powersheets: 2023 Goal Planner YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: 
A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most.
Learn more at: https://www.asunnysideuplife.com   
HOST BIO: 
Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she’s not downing caramel coffee or homeschooling her daughters, she’s creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life.
She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family’s finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born.
DISCLAIMER(S):
This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS:
Audio Engineer + Editor: Garrett Davis Podcast Support +

You've probably heard the saying, "It's not about how much money you have, it's how you manage that money." Well, this episode is a perfect example of why that is 100% accurate.
Haley and Justin Brown-Woods from Price Of Avocado Toast Podcast joins A Sunny Side Up Life podcast to talk about their journey into the personal finance space and financial coaching, how their lives have been changed by podcasting and what it takes to work together as a Millennial married couple on money management.
In this episode, we chat about: 
What Haley and Justin did with a $600K inheritance How tracking your money will transform your life Why Dave Ramsey got the boot from their lives The importance of spending on joy + more GUEST BIO:
Haley and Justin Brown-Woods are a married millennial couple from California working to help folks normalize conversations about money through their company, Price of Avocado Toast. 
In their early 20's, they received a $600k payout from a wrongful death lawsuit after Justin's grandmother died of mesothelioma. They each grew up in low-income single-mother households and financial education was not a priority. So you could say, they essentially won the lottery. 
They spent every last penny of the $600k and then found themselves in over $220k worth of debt in just 3.5 years. In late 2019, they decided to start their journey to financial freedom and they paid off $132k in 18 months.
GUEST SOCIAL LINKS: Instagram
Facebook
Podcast
PODCAST SPONSORS: Price of Avocado Toast Budget
PAST EPISODES YOU’LL ENJOY:
Paying Off $600k+ Of Debt, Having A 70% Savings Rate, & The Intersectionality Of Money + Intentional Living With Rachel Rainbolt Deconstructing Money Shame, Navigating
Mental Health & Finances, And 3 Reasons Dave Ramsey Sucks With Lexa Vandamme ASSUL RESOURCES:
1:1 Coaching With Sami: Apply today 2023 Powersheets: 2023 Goal Planner YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life
A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most.
Learn more at: https://www.asunnysideuplife.com   
HOST BIO: Sami Womack
Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she’s not downing caramel coffee or homeschooling her daughters, she’s creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life.
She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family’s finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born.
DISCLAIMER(S):
This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS:
Audio Engineer + Editor: Garrett Davis Podcast Support + Artwork: Weir Digital Marketing Research: Vee Weir

In this solo episode, Sami deconstructs the harmful narrative of college being the one and only choice after high school and how she is using launching funds as an alternative in her own family. 
While statistically college increases income and earning potential over a lifetime, we must consider if this is the right path for our children and the high-stake resources needed to earn a high education degree.
If you’ve ever felt conflicted about saving for your kids' future, this episode is for you.
In this episode, Sami chats about:
Statistics on student loan debt + earning potential of high school graduates vs. those holding Bachelors Degrees Alternatives to student loan debt and post high school education including trade schools, scholarships, etc. Case study: Sami’s college story in comparison to her husband’s career  The power of a launching fund instead of a traditional college savings fund and what a launching fund is  529 plans, UTMA, UGMA, traditional brokerage accounts to save for college + more MENTIONED IN THE EPISODE:
https://www.veefrugalfox.com/blog/forcing-your-kids-to-go-to-college-is-stupid https://money.com/best-college-savings-account/ https://journeytolaunch.com/episode272/  PAST EPISODES YOU’LL ENJOY:
PAYING OFF $600K+ OF DEBT, HAVING A 70% SAVINGS RATE, & THE INTERSECTIONALITY OF MONEY + INTENTIONAL LIVING WITH RACHEL RAINBOLT
PAYING OFF $211,000 OF DEBT, SAYING NO TO SIDE HUSTLES, + STUDENT LOAN FORGIVENESS WITH NIKA BOOTH
ASSUL RESOURCES:
1:1 Coaching With Sami: Apply today 2023 Powersheets: 2023 Goal Planner YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life
A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most.
Learn more at: https://www.asunnysideuplife.com   
HOST BIO: Sami Womack
Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she’s not downing caramel coffee or homeschooling her daughters, she’s creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life.
She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family’s finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born.
DISCLAIMER(S):
This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS:
Audio Engineer + Editor: Garrett Davis Podcast Support + Artwork: Weir Digital Marketing Research: Vee Weir

Jannese Torres, nationally acclaimed Latina money expert, educator, speaker, writer and business coach, joins the A Sunny Side Up Life podcast to discuss her path to financial freedom, the realities of passive income, and economic activism.
Jannese became an accidental entrepreneur after a job loss led her to create a successful Latin food blog. Now she helps her clients and listeners build successful online businesses that allow them to pursue financial independence and freedom. 
Jannese is on a mission to educate marginalized communities on topics like entrepreneurship, investing and building generational wealth through her personal finance podcast, Yo Quiero Dinero.
In this episode, Jannese and I chat about:
How a love of cooking transformed Jannese’s life Going from $400,000 in debt to over $300,000 net worth The work, time, energy, and money it took for Jannese’s blog to make 6-figures passively Having a multi-pronged approach to your business Common misconceptions about passive income + more MENTIONED IN THE EPISODE:
https://www.delishdlites.com/ GUEST BIO:
Jannese Torres is a nationally acclaimed Latina money expert, educator, speaker, writer and business coach. She became an accidental entrepreneur after a job loss led her to create a successful Latin food blog. 
Now, she helps her clients and listeners build successful online businesses that allow them to pursue financial independence and freedom. 
Jannese has been featured in CNBC, NPR, Buzzfeed, Business Insider, and more. She is on a mission to educate marginalized communities on topics like entrepreneurship, investing and building generational wealth through her personal finance podcast, Yo Quiero Dinero.
GUEST SOCIAL + WEBSITE:
Instagram TikTok Facebook Twitter Website ASSUL RESOURCES:
1:1 Coaching With Sami: Apply today YouTube: Subscribe for free  Instagram: Follow me on the ‘gram  Facebook: Follow me on Facebook The Sunny Sqad: Join the VIP Facebook Group SHOW INFORMATION: A Sunny Side Up Life
A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most.
Learn more at: https://www.asunnysideuplife.com   
HOST BIO: Sami Womack
Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she’s not downing caramel coffee or homeschooling her daughters, she’s creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life.
She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family’s finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born.
Today, Sami owns this business helping women get through dark times and experience the life-altering magic of intentional living.
DISCLAIMER(S):
This show may contain affiliate links or links from my advertisers where I earn a commission or direct payment. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. CREDITS:
Podcast Support: Weir Digital Marketing Podcast Artwork: Weir Digital Marketing Audio Engineer: Garrett Davis

If you’re reading this, you likely currently have or have had credit card debt.
So how do we take action to mitigate risk and stop giving huge amounts of money to greedy credit card corporations?
Sami gets candid about her own experiences with credit card debt, why people find themselves drowning in it, and ways you can pay down that debt. She also explains the importance of credit scores, emergency funds, and getting your money mindset right before diving into using them strategically.
If you’re struggling with credit cards in any capacity, this episode is for you.
In this episode, Sami chats about:
Why people find themselves in credit card debt + why that debt has spiked in the last 3 years 
How Sami’s family is jumping back into using credit cards strategically + healing financial trauma 
The importance of credit scores and why they actually matter 
How to pay off credit card debt and 3 proven strategies to mitigate credit card debt risk 
Credit card balance transfers, travel hacking, points and rewards + more
SPONSOR(S):
Not Another Personal Finance Podcast: Listen and subscribe to their podcast TODAY!
MENTIONED IN THE EPISODE:
Easy Budget’s Debt Snowball Calculator
Aunt Kara’s IG
Capital One Venture X 
PAST EPISODES YOU’LL ENJOY:
EP. 109 TRAVEL HACKING + LIVING BY YOUR OWN RULES
EP. 115 PAYING OFF DEBT: SNOWBALL VS. AVALANCHE
EP. 134 DON'T F WITH THE IRS
ASSUL RESOURCES:
1:1 Coaching With Sami: Apply today
YouTube: Subscribe for free 
Instagram: Follow me on the ‘gram 
Facebook: Follow me on Facebook
The Sunny Sqad: Join the VIP Facebook Group
SHOW INFORMATION: A Sunny Side Up Life
A Sunny Side Up Life Podcast is a show for women who are ready to live an abundant life full of freedom + positivity. Sami Womack, nationally recognized money expert and finance coach guides listeners toward breaking free from survival mode, gaining financial freedom, staying motivated, and focusing on what matters most.
Learn more at: https://www.asunnysideuplife.com   
HOST BIO: Sami Womack
Sami Womack is the brains behind A Sunny Side Up Life. Her weekly podcast has been downloaded over 250,000 times, and her story has been featured on YNAB, Debt.com, The Purpose Show with Allie Casazza, and The His & Her Money Show. When she’s not downing caramel coffee or homeschooling her daughters, she’s creating content, collaborating with finance/minimalist organizations, and inspiring women all over the world to live an intentional life.
She began this journey with her high school sweetheart, Daniel, and a debt price tag of $490,000. They both took control of their family’s finances by downsizing, budgeting, and changing habits. From this experience, A Sunny Side Up Life was born.
DISCLAIMER(S):
This show may contain affiliate links or links from our advertisers where I earn a commission or direct payment.
Opinions are the creators alone.
Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice.
CREDITS:
Audio Engineer + Editor: Garrett Davis
Podcast Support + Artwork: Weir Digital Marketing
Research: Vee Weir