Why Women Must Take Control of Their Finances (Even If You Feel Confused)

The Guilty Spending Loop Every Successful Woman Falls Into (And How to Break It)

The Guilty Luxe Loop is a 6-stage emotional spending cycle that traps ambitious women in a pattern of justify, purchase, regret, and reset. In this episode, Erica Rawls breaks down exactly where the loop breaks and it's not where you think. Have you ever bought something hoping you could wear it carefully enough to return it? Tags tucked in, no deodorant, careful not to sit down? If that just gave you a flashback, you're in the right place. Erica walks you through all six stages of the Guilty Luxe Loop, the difference between deserved and earned, and the one honest question that breaks the cycle for good. Plus this week's roast: why "I deserve this" sounds like self-love and operates like self-sabotage. 📖 Own Your Luxe Without the Guilt — book link coming soon ☕ New episodes every Tuesday at 7 AM DM Erica on Instagram @erica.rawls and tell her which stage hit hardest. She reads every message. Connect everywhere: @erica.rawls | ericarawls.com Move with strategy. Live with confidence. Own your luxe. #OwnYourLuxe #FinancialWholeness #EmotionalSpending #MoneyMindset #GuiltyLuxeLoop Send us Fan Mail [https://www.buzzsprout.com/2370693/fan_mail/new] Follow Us for More Inspiration: 📸 Instagram: @erica.rawls [https://www.instagram.com/erica.rawls/] 🎥 YouTube: Erica Rawls [https://www.youtube.com/@erica_rawls] 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

The Group Chat Budget You Never Agreed To

There's a budget running your life right now that you never agreed to. It's not on a spreadsheet. It's not in your banking app. It's hiding somewhere you'd never think to look, and it's been making decisions for you longer than you realize. In this episode of Own Your Luxe, Erica Rawls names the most expensive habit ambitious women have. The kind of spending that has nothing to do with the thing you bought, and everything to do with the quiet fear of being the one who can't keep up. This one's going to sting a little. In the best way. About Coffee With E: Coffee With E is the podcast for ambitious women who want to live the life they truly want and afford it without the guilt. Hosted by Erica Rawls, real estate Associate Broker, investor, and founder of the Financial Wholeness platform, every episode blends rich auntie energy with real strategy so you can own your luxe on your own terms. Connect with Erica: Instagram, TikTok, Facebook, Threads, LinkedIn: @erica.rawls Website: ericarawls.com 📖 Own Your Luxe Without the Guilt is on the way. DM LUXE BOOK on Instagram @erica.rawls to get on the early list. New episodes drop weekly. Follow the show so you never miss one. Send us Fan Mail [https://www.buzzsprout.com/2370693/fan_mail/new] Follow Us for More Inspiration: 📸 Instagram: @erica.rawls [https://www.instagram.com/erica.rawls/] 🎥 YouTube: Erica Rawls [https://www.youtube.com/@erica_rawls] 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

Why Women Must Take Control of Their Finances (Even If You Feel Confused)

A lot of women feel unsure, overwhelmed, or even left out when it comes to money conversations… but that has to change. In this episode, we’re having a real, honest conversation about why women NEED to take an active role in their finances whether you're starting from scratch, relying on a partner, or suddenly responsible for managing money on your own. We talk about what happens when you inherit money but don’t know what to do, why speaking up in financial meetings matters, and how to confidently take control of your financial future even if you feel like you “don’t understand anything.” This isn’t just about investing… it’s about having a voice, building confidence, and making sure your future is protected. ⏱ What You’ll Learn in This Video  ✅ Why women must be involved in financial decisions  ✅ What to do if you don’t understand your investments  ✅ How to start investing even if you feel overwhelmed  ✅ The importance of speaking up in financial planning meetings  ✅ What happens when you inherit money without a plan  ✅ Why risk tolerance is different for everyone (and that’s okay)  ✅ Common financial mistakes people make (and how to avoid them)  ✅ Why asking for help is one of the smartest money moves 💡 Key Takeaway  You don’t have to know everything to start… but you DO have to start.  Your voice matters. Your money matters. Your future depends on it. 🎙 Featured Guests Dr. Constance Craig-Mason, MRFC®, NSSA® CEO, Concierge Financial Advisory | Founder, Money Talks Movement  🌐 https://www.conciergefg.com/ [https://www.conciergefg.com/] / ccraigmason   Laura Pesek, CFP®, CLU, ChFC Certified Financial Planner & Fiduciary  🌐 https://rosefinancialassociates.com/ [https://rosefinancialassociates.com/] / laura-pesek-cfp%c2%ae-clu-chfc-a8b76517   🖤 Join the Luxie Community  ▶ Subscribe:    / @erica_rawls    📲 Instagram:   / erica.rawls   🎙 Listen on Spotify / Apple Podcasts: https://open.spotify.com/show/69pekqC... https://podcasts.apple.com/us/podcast... 📖 Own Your Luxe Without The Guilt — coming soon Send us Fan Mail [https://www.buzzsprout.com/2370693/fan_mail/new] Follow Us for More Inspiration: 📸 Instagram: @erica.rawls [https://www.instagram.com/erica.rawls/] 🎥 YouTube: Erica Rawls [https://www.youtube.com/@erica_rawls] 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

Emergency Fund Done? Here’s EXACTLY How to Start Investing (Beginner Guide)

You’ve built your emergency fund… now what?  If you’re ready to start investing but feel overwhelmed by choices like index funds, Roth IRAs, 401(k)s, and taxes, this episode breaks it all down in a simple, practical way. In this conversation, we go beyond basic budgeting and dive into how to actually grow your money, build long-term wealth, and make smarter financial decisions based on your goals, values, and lifestyle. You’ll learn why diversification matters, how index funds reduce risk, and how to think about investing in a way that aligns with both your financial future AND personal values. ⏱ What You’ll Learn in This Video ✅ What to do after building your emergency fund  ✅ Why index funds are one of the best beginner investments  ✅ The importance of diversification (don’t put all your eggs in one basket)  ✅ How to choose investments based on your risk tolerance & goals  ✅ The truth about 401(k)s, taxes, and retirement withdrawals  ✅ Why a Roth IRA can be a powerful wealth-building tool  ✅ How taxes impact your long-term investment strategy  ✅ The role of insurance (life & disability) in protecting your finances  ✅ Why investing should align with your values, not just numbers 💡 Key Takeaway Saving money creates stability… but investing is what creates freedom. Your savings account protects you, your investments build the life you actually want. 🎙 Featured Guests Dr. Constance Craig-Mason, MRFC®, NSSA® CEO, Concierge Financial Advisory | Founder, Money Talks Movement  🌐 https://www.conciergefg.com/   / ccraigmason   Laura Pesek, CFP®, CLU, ChFC Certified Financial Planner & Fiduciary  🌐 https://rosefinancialassociates.com/   / laura-pesek-cfp%c2%ae-clu-chfc-a8b76517   🖤 Join the Luxie Community  ▶ Subscribe:    / @erica_rawls    📲 Instagram:   / erica.rawls   🎙 Listen on Spotify / Apple Podcasts: https://open.spotify.com/show/69pekqC...  https://podcasts.apple.com/us/podcast... 📖 Own Your Luxe Without The Guilt — coming soon If this video helped you, share it with someone who’s ready to start investing smarter 💬 Send us Fan Mail [https://www.buzzsprout.com/2370693/fan_mail/new] Follow Us for More Inspiration: 📸 Instagram: @erica.rawls [https://www.instagram.com/erica.rawls/] 🎥 YouTube: Erica Rawls [https://www.youtube.com/@erica_rawls] 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!

Stop Stressing About Money: A Simple Budgeting Plan You Can Actually Follow

Confused about where to start with your money? You’re not alone. Whether you’re just starting your career or trying to get your finances back on track, budgeting doesn't have to be overwhelming, it just needs structure. In this episode, we break down exactly how to set up a budget that works for YOUR reality, not a textbook. We’re deep-diving into the 50/30/20 rule, why an emergency fund is your greatest financial safety net, and how to start small to create big, compounding changes in your financial future. ⏱ What's Covered in This Clip ✅ The 50/30/20 budget breakdown (and how to adjust it for your reality) ✅ Why "getting started" is more important than being perfect ✅ The difference between saving 6 months of salary vs. 6 months of expenses ✅ Why an emergency fund is the ultimate key to career flexibility ✅ Simple steps to start compounding your wealth today 🎙 Featured Guests Dr. Constance Craig-Mason, MRFC®, NSSA® CEO, Concierge Financial Advisory | Founder, Money Talks Movement  🌐 https://www.conciergefg.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUdYVVdkSEI1VjNFcng4QTRYcGxvLUFRcjktd3xBQ3Jtc0ttdVAzei1UZFI1cEtTekJ5ZHVMOWItVUFzQkpYeUkwUFFqcHhhcDhpMkpuM0lfX0Mzb1AwcWpjdUo5SkRoOXVmdVVMSHJ2RDlrd1hucDh4RWF0clgtdktMZlFvYk5CUVV0M3ZBVmYzdVdaZGdYM2NUVQ&q=https%3A%2F%2Fwww.conciergefg.com%2F&v=jEtbiwn8-mc]   / ccraigmason   [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1lXc1g4cXRrdVZNdFVfSVF5RXI2ZzZVb0RoUXxBQ3Jtc0tuTy1ZdEFUamlHRmwzbzVHNVVPWENHd0RWN0RSY3g1ZFpTTWZkY1lFbk1qazhGNEhWUHFMMnJ6SkFwRUVsTFZkcE90MDNMWDJoUHlTbVRmWGxVZTVqR19kRS1VSlo1QVBLYkQ1dnNFQklrMTZvY3k1Yw&q=https%3A%2F%2Fwww.linkedin.com%2Fin%2Fccraigmason%2F&v=jEtbiwn8-mc] Laura Pesek, CFP®, CLU, ChFC Certified Financial Planner & Fiduciary  🌐 https://rosefinancialassociates.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbkd5OEpIeTY5SFQtRlAzUTlweU9xcTZPdWpiQXxBQ3Jtc0tuNjFJSU4tbV9zYnFlbXF4bGNDVDF6SW9qcEJkanNvcHByUFh1aTA2c3ZEYmEyUlp6US1iZTB4WWxHZWgzMTliWlptdS1SSzdwNk40RXJ1djY0WVFhQVlQOXpxQUNKUzBMb29NemhYMVB6THZOQUFSRQ&q=https%3A%2F%2Frosefinancialassociates.com%2F&v=jEtbiwn8-mc]   / laura-pesek-cfp%c2%ae-clu-chfc-a8b76517   [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbVRlU01PaDZFdWRtTEZzTnBpLW5Oc1BtQjRRZ3xBQ3Jtc0treEhIY29mTHlCa1FfQXJTZjNCQUlZalVtV2g5Z3lLazhoVW5EdzZPTmZENWd4NlBoLWprcklzZF9lQ1RmLUUtNDRCVGlIc1I4a2gzdU9DWjJSYUlrN2hNTDZxZzNuM3hNOEdxU2hVcVdtejJKOWljZw&q=https%3A%2F%2Fwww.linkedin.com%2Fin%2Flaura-pesek-cfp%25C2%25AE-clu-chfc-a8b76517%2F&v=jEtbiwn8-mc] 🖤 Join the Luxie Community  ▶ Subscribe:    / @erica_rawls  [https://www.youtube.com/channel/UCNTz8DpjFO91qzxmU3FlcZQ]  📲 Instagram:   / erica.rawls   [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqblNROV80MF9rZV8zNzFvWFFiVmlwLWEyU2Nkd3xBQ3Jtc0tsS3VycFJGN29ibzBnaDVGOVZMUE9vcTFnOEJUdWlLS3E1MXQxak9ycXNkUG83UFBTcFJhWUo0U1FpaGdNRUJCZjZKVlQyc1hPM0FlTnd0bUl6QUI1cXBYZTJCaVZFWHRqTEJaNmhVLUJLOWd4YmZnVQ&q=https%3A%2F%2Fwww.instagram.com%2Ferica.rawls%2F&v=jEtbiwn8-mc] 🎙 Listen on Spotify / Apple Podcasts: https://open.spotify.com/show/69pekqC... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa2UxdlltUWZBUk5JakxlZUhXZUlPRFRSOExYQXxBQ3Jtc0tsZWpYdFRJNnF5LVNDc09SLTNRT1BqUUFhZ3JIbHQwV2RPV1lVTFZfODUzemtUVE93SW95R3JTaWdXc3k4bkRMclc4NlVMdjcxUElOeXJpWjBIUWR1NG10ODNPc2tJS1htUjRzT3N0WVlHMjNrQUdMRQ&q=https%3A%2F%2Fopen.spotify.com%2Fshow%2F69pekqCSSNp3lgsoUuLF2v&v=jEtbiwn8-mc]  https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqblJsaG05aGVTM Send us Fan Mail [https://www.buzzsprout.com/2370693/fan_mail/new] Follow Us for More Inspiration: 📸 Instagram: @erica.rawls [https://www.instagram.com/erica.rawls/] 🎥 YouTube: Erica Rawls [https://www.youtube.com/@erica_rawls] 📧 For inquiries and collaborations: customercare@ericarawls.com ✨ Don't forget to like, comment, and subscribe to stay updated with our latest episodes!