Hey there Teacher Friend,

When it comes to building wealth, it’s so easy to get caught up in big dreams and lofty goals. Things like saving six figures, buying property, or retiring early all sound exciting, but can also feel totally out of reach.

Here’s the truth:
It’s the small steps that actually make those big dreams achievable.

This week, we’re shifting the focus to foundations. Instead of diving into the deep end, we’re going to make tiny, doable changes that move you forward, without stress or overwhelm.

Start with the Basics

So often we want to start strong, investing thousands, maxing out our savings, or diving into real estate. But here’s a gentle reminder:
Before you tackle the big stuff, your financial basics need to be solid.

What do those basics look like?

• A consistent budget (that works with your teacher income)

• Emergency savings for peace of mind

• A plan to tackle debt one step at a time

Skipping these steps is like building a house without a foundation. Let’s lay the groundwork now, so future you can rise higher later.

Why Starting Small Matters

1. Build Healthy Habits
Financial wellness isn’t a one-and-done situation. It’s a lifelong journey that requires habits, not just hype.
Simple actions like:

• Automating a savings transfer

• Paying off one small debt

• Saying “no” to impulse buys
  ...add up to real progress.

2. Gain Confidence
Every small win you make tells your brain: I can do this.
That confidence builds over time, making bigger steps—like investing or planning for retirement, less intimidating and way more doable.

3. Avoid Overwhelm
Let’s be honest: teachers already juggle enough. Trying to overhaul your entire financial life in one weekend? Not the move.
When you break your goals into bite-sized actions, you reduce stress, build momentum, and keep moving forward on your terms.

Your Action Step for this Week

Choose just one small change to make this week. Some ideas:

• Automate a $50 (or even $10) transfer into savings

• Review your 403(b) or retirement options

• Cancel one subscription you’re not using

• Pay an extra $20 toward your smallest debt

Then? Celebrate that win.
Track your progress, share it with a friend, or write it down in your journal. Progress deserves to be seen and felt, even when it’s quiet.

Coming Soon

We’re working behind the scenes to bring you:

• Free downloadable tools

• A new Educators-Only Membership filled with exclusive workshops, money guides, and much more!

• Resources you can use right away, whether you’re just getting started or ready to level up

Want early access when it all drops?
📩 Stay subscribed and follow us on Instagram @TeacherTalksMoney so you don’t miss a thing!

It's a Marathon, Not a Sprint

You don’t need to do it all this week. Or even this month.
Financial wellness isn’t about speed, it’s about sustainability.

By taking small, consistent steps, you’ll create real results that last.
No burnout. No overwhelm. Just slow, steady growth, and a future you’ll be proud of.

If you’re ready to get clear on your money goals and create a plan that works for your teaching lifestyle, book a 1-on-1 session with us!

We'll cover things like:

• Budgeting on a teacher’s salary

• Managing student loan debt

• Retirement options made simple

• Creating a sustainable savings plan

👉 Check out our packages here: https://teachertalksmoney.com/packages

Thanks for being here. We’re so proud of the steps you’re taking, and we’re here to walk alongside you every step of the way 💛
See you next week,
– Rose, CEO Teacher Talks Money