Coffee With E

Erica Rawls

Welcome to Coffee with E—where great conversations meet inspiration! ☕✨ This podcast is for dreamers, go-getters, and those on a journey of self-growth. Whether you’re building a business, navigating relationships, or working on your mindset, you’ll find motivation, wisdom, and real-life stories to help you level up. Each week, we dive into topics like self-worth, mental well-being, wealth-building, leadership, and entrepreneurship—always with a mix of honesty, luxury, and a little fun. If you love deep conversations, personal growth, and a good cup of coffee, this is the podcast for you! Join me, Erica Rawls, and my guests as we keep it real, inspire action, and remind you that anything is possible if you’re willing to do the work. Subscribe now and let’s dream big together! ☕✨ Don't forget to like, comment, and subscribe!📌 Follow this link and let's get social--->📧 For inquiries and collaborations, email us at: customercare@ericarawls.com

  1. HACE 4 DÍAS

    Debt Snowball vs. Avalanche — Which One Actually Works for You? | Coffee with E

    Still paying minimums and wondering if you'll ever actually get out? You're not alone and you're not stuck. You just need a plan that actually fits how YOU are wired. In this clip from our full episode, Dr. Constance Craig-Mason, MRFC®, NSSA® and Laura Pesek, CFP®, CLU, ChFC break down exactly how to start getting out of debt, without the shame, without the overwhelm, and without giving up the things that make life worth living. ⏱ What's Covered in This Clip ✅ Why managing your debt comes before paying it off ✅ Debt snowball vs. avalanche: what's the difference  ✅ How to choose the method that keeps YOU consistent   ✅ Why you should keep credit cards open even after paying them off  ✅ Who this conversation is (and isn't) for  ✅ When to call a debt counseling service instead 💡 Key Takeaways → Before you focus on paying off debt, make sure you can manage it — no overdrafts, no missed minimums, money coming in exceeding money going out  → Debt snowball = pay off smallest balances first for quick wins and confidence → Debt avalanche = pay off highest interest first to save more money long term  → The best method is the one you will actually stick to  → Paying off a card does NOT mean you should close it — open lines of credit make up 10% of your credit score  → This conversation is for people who have the income to pay their debt but need a strategy — if your debt exceeds your income, start with a debt counseling service 💬 Memorable Moments "Debt-free, debt-free, manage it first." "You already proved to yourself that you could do it. And you proved to the lender that you could do it." "Don't go spending more, take that and be like, I did the work and they're incentivizing me by increasing my limits." 🎙 Featured Guests Dr. Constance Craig-Mason, MRFC®, NSSA® CEO, Concierge Financial Advisory | Founder, Money Talks Movement  🌐 https://www.conciergefg.com/ https://www.linkedin.com/in/ccraigmason/ Laura Pesek, CFP®, CLU, ChFC Certified Financial Planner & Fiduciary  🌐 https://rosefinancialassociates.com/ https://www.linkedin.com/in/laura-pesek-cfp%C2%AE-clu-chfc-a8b76517/ 📌 Resources Debt Snowball vs. Avalanche — talk to a certified financial planner to find out which is right for your situation Need deeper help? Search for a nonprofit debt counseling service in your area 📖 Article recommended by Dr. Craig-Mason: "The Art of Quiet Luxury" → https://vegoutmag.com/lifestyle/gen-bt-the-art-of-quiet-luxury-9-things-genuinely-wealthy-people-invest-in-that-middle-class-families-overlook-completely/ 🏡 Work With Erica Looking to buy or sell real estate in Central PA? I'm an Associate Broker at Keller Williams and I'd love to help.  👉 sellingcentralpahomes.com 🖤 Join the Luxie Community  ▶ Subscribe: https://www.youtube.com/@UCNTz8DpjFO91qzxmU3FlcZQ  📲 Instagram: https://www.instagram.com/erica.rawls/ 🎙 Listen on Spotify / Apple Podcasts: https://open.spotify.com/show/69pekqCSSNp3lgsoUuLF2v  https://podcasts.apple.com/us/podcast/coffee-with-e/id1749880909 📖 Own Your Luxe Without The Guilt — coming soon If this clip helped you, share it with someone who needs a debt plan that actually works for them. That's how we grow this community. #CoffeeWithE #OwnYourLuxe #FinancialWholeness #DebtFreeJourney #PersonalFinance Send us Fan Mail Follow Us for More Inspiration: 📸 Instagram: @erica.rawls 🎥 YouTube: Erica Rawls 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

    8 min
  2. You Make HOW MUCH… and still feel broke?!

    7 ABR

    You Make HOW MUCH… and still feel broke?!

    You ever look at your deposits, your commissions, or your “good on paper” numbers and still feel like you cannot breathe? That tension is the heart of this conversation with Dr. Constance Craig-Mason, MRFC®, NSSA®, CEO of Concierge Financial Advisory and founder of Money Talks Movement, and Laura Pesek, CFP®, CLU, ChFC, a certified financial planner and fiduciary who has guided families for decades. We get honest about why success can still feel hard and how money mindset, financial trauma, and the words we repeat to ourselves can quietly shape what we save, spend, and avoid. We move from emotions to strategy: how to replace avoidance with clarity, why we prefer a spending plan over a strict budget, and how a personal allowance can stop the “I deserve it” spiral without killing your joy. We also talk about the kind of “struggle” high earners rarely admit out loud, the permission many people need to actually enjoy their money, and how childhood money stories can echo into adulthood through fear, guilt, and over-control. Then we get practical: debt snowball vs debt avalanche, the 50-30-20 framework, building an emergency fund based on six months of expenses, and why diversified index investing can help you grow without putting all your eggs in one basket. Laura adds the tax reality behind retirement accounts, plus the protection side entrepreneurs forget, like life insurance and disability coverage. We close with a direct push for women to speak up in financial meetings, claim a real voice at the table, and make choices your future self will thank you for. If this hit home, subscribe, share it with a friend who “makes good money but still feels stuck,” and leave a review with the biggest mindset shift you are taking into your next money move. Send us Fan Mail Follow Us for More Inspiration: 📸 Instagram: @erica.rawls 🎥 YouTube: Erica Rawls 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

    1 h 51 min
  3. Your Friends Might Be Keeping You BROKE (Hard Truth)

    31 MAR

    Your Friends Might Be Keeping You BROKE (Hard Truth)

    Your friends may not control your money but they absolutely influence it. In this episode, we break down how social pressure, group chats, and unspoken expectations can quietly drain your finances. Learn how to set boundaries, say no without guilt, and build a lifestyle that aligns with your financial goals. If you’ve ever felt pressure to spend just to belong, this is for you. It’s time to stop performing and start protecting your future. Send us Fan Mail Follow Us for More Inspiration: 📸 Instagram: @erica.rawls 🎥 YouTube: Erica Rawls 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

    10 min
  4. You’re Not Broke… You’re Impatient (This Will Change Everything)

    24 MAR

    You’re Not Broke… You’re Impatient (This Will Change Everything)

    In this episode of Coffee with E, Erika Rawls breaks down why waiting isn’t losing, it’s the key to building real wealth and financial peace. Learn how delayed gratification, financial discipline, and self-trust can help you stop overspending, avoid debt, and create the lifestyle you actually want.  This episode introduces the “Luxe Pause” method to help you rethink purchases, build patience, and make smarter money decisions. If you’re tired of chasing appearances and ready to build real financial freedom, this is for you. Send us Fan Mail Follow Us for More Inspiration: 📸 Instagram: @erica.rawls 🎥 YouTube: Erica Rawls 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

    9 min
  5. Stop Financing Your Personality | The Truth About Debt & Money Habits

    17 MAR

    Stop Financing Your Personality | The Truth About Debt & Money Habits

    Debt is not a personality trait, it’s a season. In this video, Erica shares the real reason many people stay stuck in debt: avoidance. She explains how she nearly filed bankruptcy before realizing that debt is simply math, and the real solution is structure, awareness, and consistent financial habits. You’ll learn practical strategies to take control of your finances including the 48-hour rule for impulse spending, identifying hidden spending leaks, and how to use the Debt Snowball and Debt Avalanche methods to pay off debt faster. Erica also breaks down the critical difference between credit card due dates and statement dates, a simple trick that can help you save money on interest and improve your credit score. If you’re tired of feeling overwhelmed by your finances and want to build a life you can truly afford, this video will help you create the structure and mindset needed to move forward. Send us Fan Mail Follow Us for More Inspiration: 📸 Instagram: @erica.rawls 🎥 YouTube: Erica Rawls 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

    13 min
  6. How $7 Press-On Nails Can Save You Thousands (Financial Wholeness Talk)

    11 MAR

    How $7 Press-On Nails Can Save You Thousands (Financial Wholeness Talk)

    In this episode, we talk about how something as simple as press‑on nails can reveal a powerful financial lesson. Candice breaks down how she gets salon‑quality nails that would normally cost $200+ for only about $7 and shows exactly how to apply them so they actually last. But this conversation goes deeper than beauty. We talk about impulsive spending, learning to pause before buying, and how small decisions can help you save more money and build better financial habits. You’ll also hear about multiple streams of income, side hustles, investing, day trading, and the importance of financial education for building generational wealth. If you want practical ways to save money while still enjoying life, this episode will give you both the mindset and the method. Send us Fan Mail Follow Us for More Inspiration: 📸 Instagram: @erica.rawls 🎥 YouTube: Erica Rawls 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

    21 min
  7. Stop Playing Rich: How Budgeting Will Change Your Life

    3 MAR

    Stop Playing Rich: How Budgeting Will Change Your Life

    The real reason you’re financially stuck isn’t lack of income, it’s instant gratification. In this video, we talk about delayed gratification, self-discipline, and why budgeting is the key to unlocking the life you actually want. I share my personal story of buying luxury items in college to “look the part” and how that mindset was keeping me broke. You’ll learn: - What delayed gratification really means - Why budgeting isn’t restrictive, it’s empowering - How to assign every dollar a job before you spend it - The 5% Joy Category (so you don’t feel deprived) - How to use YNAB, Monarch, or even Excel to get started If you’re tired of playing a financial role you can’t afford, it’s time to build discipline, create a simple budget, and start winning with your money. Subscribe for more real conversations about financial wholeness, debt freedom, and building wealth with intention. #Finance #MoneyMindset #WealthMindset #Budget #CoffeeWithE  Send us Fan Mail Follow Us for More Inspiration: 📸 Instagram: @erica.rawls 🎥 YouTube: Erica Rawls 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

    8 min
  8. The 4 Money Lies Keeping Women Financially Stuck

    24 FEB

    The 4 Money Lies Keeping Women Financially Stuck

    If you're making money but still feel financially stuck, this is for you. In this video, I break down the 4 biggest mindset mistakes keeping women from building real wealth: believing “it’s working,” living on credit cards, saying “I deserve this” to justify purchases, and confusing self-care with self-sabotage. I share my personal story of going from a six-figure corporate job to commission-based real estate and the wake-up call that forced me to change everything. You’ll learn: • How to know if your finances actually aren’t working • Why “I deserve this” is keeping you stuck • How to create a “joy category” in your budget • The difference between self-care and irresponsibility • How to build savings even with inconsistent income It’s time to become financially whole, so you can afford the life you truly deserve. Send us Fan Mail Follow Us for More Inspiration: 📸 Instagram: @erica.rawls 🎥 YouTube: Erica Rawls 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

    11 min
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Welcome to Coffee with E—where great conversations meet inspiration! ☕✨ This podcast is for dreamers, go-getters, and those on a journey of self-growth. Whether you’re building a business, navigating relationships, or working on your mindset, you’ll find motivation, wisdom, and real-life stories to help you level up. Each week, we dive into topics like self-worth, mental well-being, wealth-building, leadership, and entrepreneurship—always with a mix of honesty, luxury, and a little fun. If you love deep conversations, personal growth, and a good cup of coffee, this is the podcast for you! Join me, Erica Rawls, and my guests as we keep it real, inspire action, and remind you that anything is possible if you’re willing to do the work. Subscribe now and let’s dream big together! ☕✨ Don't forget to like, comment, and subscribe!📌 Follow this link and let's get social--->📧 For inquiries and collaborations, email us at: customercare@ericarawls.com

Información

  • Creador
    Erica Rawls
  • Años de actividad
    2024 - 2026
  • Episodios
    76
  • Clasificación
    Apto
  • Copyright
    © 2026 Coffee With E
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