Have you ever looked at your paycheck and thought:
“Where does it all even go?”

You’re not alone.

Most educators are doing everything “right”, working hard, budgeting carefully, paying bills on time, and still feel behind financially.

Here’s one powerful shift that changes that:

👉 Pay yourself first.
Before bills.
Before debt.
Before anything else.

This is more than a budgeting trick, it’s a financial philosophy.

You Deserve to Keep Some of What You Earn

Too often, we think of savings as something we’ll “get to later.” But here’s the truth:

You’re not being irresponsible by saving while you have debt.
You’re being strategic.

Saving isn’t selfish. It’s self-preservation.
It gives you power over your money instead of reacting to every curveball life throws.

Imagine:

• Having an emergency fund that actually covers emergencies

• Feeling safe spending money, because you know your future is handled

• Watching your balance go up, without relying on hustle or guilt

This is what happens when you treat savings as non-negotiable.

The Strategy: How to Automate Your Savings (and Still Crush Debt)

Let’s be real: if it’s not automated, it’s not happening.

Here’s your step-by-step system:

1️⃣ Start small, but start now.
Pick an amount that feels doable. Even $10/week builds momentum and confidence.

2️⃣ Choose a high-yield savings account.
Make sure it’s separate from your checking, out of sight, out of mind.

3️⃣ Set up an automatic transfer on payday.
This isn’t optional. This is your new money ritual.
Think of it like paying a bill to your future self, and this one always pays you back with peace of mind.

Once that’s flowing, shift your focus to debt payoff strategies like the snowball or avalanche method, knowing your safety net is growing in the background.

Want a Plan Built Just for You?

If you’re tired of guessing, stressing, or feeling like you’re “bad with money”, you’re not.

You just need a system that fits your actual life as an educator.

That’s what we create in a free consultation call:

✅ A real look at your paycheck & goals
✅ A custom Savings + Debt game plan
✅ Next steps tailored to you

Wealth wins come from systems.

The truth is: You don't need more willpower, you need a system that works while you're teaching, parenting, or just living your life.

That's why my coaching clients start with a custom Savings + Dept Plan that shows you exactly what to automate and when.

📅 Book your free 1:1 call here

Free Resource of the Week:

🧾 7 Steps to Financial Literacy
If you haven’t grabbed it yet, this is the starter guide every teacher needs.

Inside, you’ll learn:

✔️ How to actually understand your money
✔️ Where to focus first (no more overwhelm)
✔️ A simple path to financial clarity

👉 Download it here (or reply to this email and I’ll send it your way!)

Many people hire financial coaches to help them identify the harmful patterns inhibiting their success.

People work with coaches to help them meet their goals, make life transitions, and maximize their potential.

In some cases, there are clear signs that you should consider hiring a financial coach. 

Here’s our top three: 

First, you feel lost. 

If you have reached a point where you’re unsure what you want from your finances, hiring a coach is the perfect place to start.

Second, you have no clear plan. 

Unfortunately, you have no organization or clear plan.

A good coach will guide you through the process of making a customized action plan to bring you the best financial success.

Lastly, you struggle to follow through.

Let’s face it: we all need a little help staying motivated sometimes. 

If you need someone to hold you accountable, a financial coach is the best person to have in your corner.

We hope you found this informative, and if you’re struggling in any of these areas, we encourage you to reply to this email or give us a call to get started!

Final Thought:

Wealth doesn’t start with a big paycheck.
It starts with ownership.
Ownership of your time, your decisions, your worth, and your money.

You’re already doing so much. Now let’s make your money work just as hard for you.

You deserve to build wealth AND peace of mind.
It starts with one simple, automated step.

Cheering you on, always,

Rose

CEO | Teacher Talks Money