Surplus Stack

Eduek Brooks
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Welcome to the Surplus Stack Podcast—a show for women ready to take control of their money, ditch financial stress, and build more than enough for the life they love. Hosted by financial educator Eduek Brooks, each episode breaks down personal finance in a way that’s real, relatable, and easy to follow. From budgeting and paying off debt to investing and increasing your income, this podcast gives you the mindset, strategies, and step-by-step guidance to create your own financial surplus—without sacrificing joy or freedom. Whether you're just starting your financial journey or ready to hit your next milestone, this podcast is your go-to space for honest conversations, practical tools, and empowering stories from women who are stacking their way to financial independence. New episodes drop weekly. Subscribe and start stacking.

Episodes

  1. 03/25/2025

    014 | Day 7: Identify Your Surplus Blockers | Sprint to Surplus Challenge

    In this conversation, Eduek discusses the various types of surplus blockers that individuals may face in their financial journey. These include spending blockers, income blockers, societal blockers, mindset blockers, and organizational blockers. She emphasizes the importance of identifying these blockers to achieve financial abundance and provides actionable steps to overcome them.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Surplus does not just come from earning more. Identifying spending blockers is crucial for financial growth. Income blockers can prevent you from achieving your ideal lifestyle. Societal barriers can significantly impact financial opportunities. Mindset issues can hinder your ability to earn more. Organizational systems are essential for managing finances effectively. Tracking spending helps in identifying financial leaks. Advocating for oneself is important in overcoming societal barriers. Understanding systemic issues is key to navigating financial challenges. Taking actionable steps can help remove financial blockers.   Chapters 00:00 Identifying Surplus Blockers03:49 Understanding Spending Blockers06:34 Exploring Income Blockers09:43 Addressing Societal Blockers12:56 Mindset and Organizational Blockers13:11 Outro.mp3   Keywords surplus, financial growth, spending habits, income issues, societal barriers, mindset, financial systems, budgeting, financial leaks, financial advice.

    15 min

  2. 03/25/2025

    013 | Day 6: Calculate Your Current Surplus Percentage | Sprint to Surplus Challenge

    In this session, Eduek discusses the importance of calculating your surplus percentage to understand your financial health. The conversation covers how to determine your monthly net income, essential expenses, and ultimately your surplus amount and percentage. Eduek emphasizes the need for adjustments in spending or income to achieve a healthy surplus. Additionally, the session transitions into setting financial goals and creating actionable plans to increase income and savings over time, encouraging listeners to share their progress and goals within the community.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Understanding your surplus percentage is key to financial health. Calculate your monthly net income to assess your surplus. Identify essential expenses to determine your surplus amount. A low surplus percentage indicates a need for income adjustments. Aim for a surplus percentage of at least 30% for financial flexibility. Set aggressive savings goals based on personal aspirations. Break down large financial goals into manageable 90-day tasks. Evaluate your spending habits to find areas for improvement. Engage with the community to share progress and goals. Regularly reassess your financial situation to stay on track.   Chapters 00:00 Understanding Your Surplus Percentage03:37 Calculating Your Surplus Amount and Percentage06:58 Setting Financial Goals and Action Plans09:36 Outro.mp3   Keywords surplus percentage, financial goals, budgeting, income management, savings, investing, financial overflow, money management strategies.

    11 min

  3. 03/25/2025

    012 | Day 5: Calculate Your Surplus Number | Sprint to Surplus Challenge

    In this session, the focus is on calculating your surplus number, which is essential for understanding how much money you need beyond essential expenses to live comfortably. Eduek guides listeners through identifying core living expenses and surplus lifestyle expenses, emphasizing the importance of knowing exact financial needs to set realistic income and savings goals. The conversation transitions into setting actionable financial goals and planning steps to achieve the desired surplus lifestyle.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Your surplus number defines your financial comfort zone. Understanding your expenses is crucial for financial planning. Negotiating salaries requires knowing your financial needs. Itemizing lifestyle costs helps clarify financial goals. Many desired lifestyles are more affordable than perceived. Calculating your surplus number helps identify income gaps. Setting financial goals requires actionable steps. Optimizing spending is key to achieving financial surplus. Reflecting on income needs can guide job negotiations. Immediate actions can lead to a surplus lifestyle.   Chapters 00:00 Defining Your Surplus Number03:32 Calculating Living Expenses and Goals06:50 Bridging the Gap to Your Surplus Lifestyle08:02 Outro.mp3   Keywords financial surplus, budgeting, lifestyle expenses, income goals, financial planning

    10 min

  4. 03/25/2025

    011 | Day 4: What Does Your Surplus Style Look Like? | Sprint to Surplus Challenge

    In this conversation, Eduek discusses the concept of 'surplus style' and how it relates to financial abundance. She emphasizes the importance of defining personal financial goals that align with individual values rather than societal expectations. The discussion covers various aspects of financial abundance, including security, freedom, generosity, and enjoyment, encouraging listeners to reflect on their unique definitions of success and fulfillment.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Understanding your surplus style helps define financial success. Financial abundance looks different for everyone. Surplus should reflect personal values and priorities. Avoid societal pressures when defining financial goals. Wealth is about designing a life that feels abundant. Identify what makes you feel financially secure. Journal about your financial overflow and priorities. Imagine your perfect day with financial abundance. Align financial goals with what truly excites you. Let go of financial goals that feel like a chore.   Chapters 00:00 Defining Your Surplus Style03:57 Understanding Financial Abundance06:44 Aligning Financial Goals with Personal Values08:53 Outro.mp3   Keywords financial abundance, surplus style, personal finance, financial goals, mindset, intentional spending, wealth, financial security, life design, personal values.

    10 min

  5. 03/25/2025

    010 | Day 3: Get Comfortable with Abundance | Sprint to Surplus Challenge

    In this conversation, Eduek discusses the importance of embracing an abundance mindset to overcome limiting financial beliefs. She explores how societal conditioning can lead to guilt and self-sabotage regarding financial success. The speaker emphasizes that abundance is not solely about money but encompasses various aspects of life, including opportunities, resources, and relationships. They encourage listeners to give themselves permission to prosper and to recognize the positive impact of wealth on their ability to help others. Practical exercises are provided to help shift mindset and embrace financial abundance.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Many people struggle to accept financial abundance due to limiting beliefs. Guilt and self-sabotage can hinder financial success. Abundance is a mindset that applies to all areas of life. Recognizing discomfort with money is the first step to change. Abundance includes opportunities, resources, and connections. You are allowed to enjoy money beyond mere survival. The more you have, the more you can give back. Accepting help is a part of opening yourself to abundance. Celebrating financial gains can shift your mindset positively. Living a surplus lifestyle is achievable and fulfilling.   Chapters 00:00 Embracing Abundance: Overcoming Financial Limiting Beliefs03:33 Understanding Abundance Beyond Money: A Holistic Approach06:58 Permission to Prosper: Accepting Wealth and Freedom10:42 Outro.mp3   Keywords abundance mindset, financial beliefs, wealth acceptance, money management, personal growth, financial security, mindset shift, prosperity, self-sabotage, financial freedom.

    12 min

  6. 03/25/2025

    009 | Day 2: Reframe Your Beliefs | Sprint to Surplus Challenge

    In this session, Eduek discusses the importance of reframing limiting beliefs about money to foster financial growth. The conversation emphasizes identifying negative beliefs, questioning their validity, and replacing them with empowering affirmations. She encourages listeners to actively challenge their beliefs and to support others in doing the same, ultimately promoting a mindset conducive to financial abundance.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Many money beliefs are subconsciously inherited. Reframing beliefs can support financial abundance. Identifying limiting beliefs is the first step. Question the validity of your beliefs. Look for evidence that contradicts limiting beliefs. Surround yourself with examples of success. Replace limiting beliefs with empowering statements. Practice affirmations to reinforce positive beliefs. Support friends in challenging their limiting beliefs. Speaking affirmations out loud can manifest change.   Chapters 00:00 Reframing Money Beliefs03:58 Challenging Limiting Beliefs06:46 Empowering Financial Mindset10:59 Outro.mp3   Keywords money beliefs, financial growth, limiting beliefs, reframing, empowerment, financial abundance, money management, affirmations, mindset, personal finance

    13 min

  7. 03/25/2025

    008 | Day 1: Confront Your Money Belief System | Sprint to Surplus Challenge

    This conversation explores the deep-rooted beliefs and influences that shape our relationship with money. It delves into how upbringing, personal experiences, cultural norms, and social environments contribute to our financial mindset. The speaker emphasizes the importance of understanding these influences to reframe our beliefs and improve our financial reality.   Resources: Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Your relationship with money is shaped from childhood. Subconscious beliefs drive financial decisions. Upbringing significantly impacts money handling. Financial trauma can lead to fear of instability. Cultural norms dictate our financial behaviors. Gender roles influence financial confidence and discussions. Your social circle affects your financial mindset. Surrounding yourself with ambitious people expands potential. Reflecting on money beliefs can lead to positive change. Awareness of financial habits is crucial for growth.   Chapters 00:00 Confronting Your Money Beliefs05:44 The Impact of Upbringing on Financial Mindset10:26 Personal Experiences and Financial Trauma14:26 Cultural and Societal Influences on Money Management14:53 Outro.mp3   Keywords money beliefs, financial mindset, upbringing, personal experiences, cultural influences, societal conditioning, financial trauma, environment, money management, financial success, money mindset, limiting beliefs, money trauma.

    16 min

  8. 03/24/2025

    005 What's Your Surplus Season?

    In this episode, Eduek introduces the concept of the Surplus Season, a structured roadmap designed to guide individuals on their financial journey from survival to freedom. The discussion breaks down the different 'seasons' of financial milestones, emphasizing the importance of focusing on one key area at a time to avoid overwhelm. Each season is tailored to specific financial goals, such as building an emergency fund, paying off debt, and investing, ultimately leading to financial independence and the ability to give back to the community.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways The Surplus Season helps individuals focus on one financial milestone at a time. Understanding your current financial situation is crucial for progress. The Debutante Season focuses on achieving 30% disposable income. Building an emergency fund is essential in the Baroness Season. Investing becomes a priority in the Viscountess Season. Financial freedom is achieved in the Duchess Season. Community support is vital for accountability and motivation. Generosity should be a goal once financial stability is reached. Each season has specific goals to guide financial growth. Consistency is key to maintaining financial progress.   Chapters 00:00 Introduction to Surplus Season02:46 Understanding the Debutante Season05:33 Exploring the Baroness Season07:54 The Viscountess Season: Investing and Growth09:41 Achieving Financial Freedom in the Duchess Season12:32 Recap and Community Engagement   Keywords financial advice, surplus season, financial freedom, money mindset, emergency fund, debt management, investing, financial milestones, personal finance, community support

    15 min

  9. 03/24/2025

    003 Philosophies of The Surplus Stack Society

    In this episode of the Surplus Stack podcast, Eduek discusses the core philosophies that guide the teachings inside The Surplus Stack Society. Emphasizing that money is a tool meant to serve individuals, the conversation explores the importance of proactive money management, the spiritual aspect of money, and the role of debt as a wealth-building tool. She encourages listeners to view their financial journey as a marathon, celebrating milestones along the way, and emphasizes the importance of enjoying money while building wealth. The episode also highlights the significance of mindset in financial management, the necessity of investing, and the belief that wealth is a right for everyone.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Money is a tool that allows you to create the life you want. Your money should always be aligned with your values and goals. Money should be a source of ease and not stress. Debt is a tool that can help you build wealth when used wisely. Building wealth is a marathon, not a sprint. Celebrate every financial milestone, no matter how small. Wealth isn't about putting your life on hold until you hit a goal. Money is never truly lost; it just moves and circulates. Money management is 80% psychology and 20% math. We all deserve to build wealth and financial abundance.   Chapters00:00 Introduction to Surplus Stack Society Philosophies01:05 Money as a Tool for Freedom and Security02:15 The Spirit of Money and Mindset03:43 Understanding Debt as a Tool06:08 The Marathon of Financial Journey08:56 Celebrating Financial Milestones11:47 Enjoying Money Today13:10 The Flow of Money: Circulation vs. Loss14:55 Psychology of Money Management17:10 Creating Financial Stability19:32 Taking Control of Your Finances22:11 Money Management as a Learnable Skill23:57 The Importance of Investing25:58 Wealth is a Right for Everyone

    30 min
  • 9 Episodes

About

Welcome to the Surplus Stack Podcast—a show for women ready to take control of their money, ditch financial stress, and build more than enough for the life they love. Hosted by financial educator Eduek Brooks, each episode breaks down personal finance in a way that’s real, relatable, and easy to follow. From budgeting and paying off debt to investing and increasing your income, this podcast gives you the mindset, strategies, and step-by-step guidance to create your own financial surplus—without sacrificing joy or freedom. Whether you're just starting your financial journey or ready to hit your next milestone, this podcast is your go-to space for honest conversations, practical tools, and empowering stories from women who are stacking their way to financial independence. New episodes drop weekly. Subscribe and start stacking.

Information

  • Creator
    Eduek Brooks
  • Years Active
    2K
  • Episodes
    9
  • Rating
    Clean
  • Show Website
    Surplus Stack