Shows
EmpowerYou Financial130. How Living Benefits Can Change Your Life w/ Brent Paiste | EmpowerYou Financial Podcast [Episode 130]How Living Benefits Can Change Your Life w/ Brent Paiste | EmpowerYou Financial Podcast [Episode 130]Welcome back to a special, surprise episode of EmpowerYou Financial podcast!You know talks about it all the time — collaborate with like-minded people and learn together, LAUGH together. That’s why we're SO excited to share this AMAZING episode we were invited to be on, hosted by none other than our friend Brent Paiste, Founder and Regional Field Director of Delta Limitless.We talk about EVERYTHING… From how Eva got starte...
2023-12-1242 min
EmpowerYou Financial129. Budgets & BoundariesBudgets & Boundaries | EmpowerYou Financial Podcast [Episode 129]Welcome back to the EmpowerYou Financial podcast!As the holidays are approaching, the year is coming to an end, and a new year is soon upon us — the pressure is ON.In this episode, Eva shares the two things she believes that — if you are able to master — can set you up for success in your finances: Budgeting & setting boundaries.These are the kind of gems that we share and talk about on a regu...
2023-11-0732 min
EmpowerYou Financial127. Back to School Series: For ParentsBack to School Series: For Parents | EmpowerYou Financial Podcast [Episode 127]Welcome back to the EmpowerYou Financial podcast!This one is for the parents whose students are going back to school which can mean an increase in spending! Whether it’s new clothes, school supplies, sports and activities gear, bake sale ingredients, what have you — you can still find ways to looks for deals and/or save money.Eva has 3 boys who all have different needs right now — listen in and find out what she’s doing...
2023-10-0324 min
EmpowerYou Financial126. Should you get the new iPhone 15??Should you get the new iPhone 15?? | EmpowerYou Financial Podcast [Episode 126]Welcome back to the EmpowerYou Financial podcast!Okay, let’s get straight into it — the new iPhone 15. With the new updates also comes the priciest iPhone yet! Are you getting it?? Should you get it?? Should you not?? Is it worth it?? How can you MAKE MONEY by getting yourself a new device? What is Eva and her family doing about the new release??There is are strategies and thoughts to be considered with ever...
2023-09-2631 min
EmpowerYou Financial125. Insurance for Property & Casualty in CaliforniaWelcome back to the EmpowerYou Financial podcast!Guys, today’s episode is crucial to everything that’s going on RIGHT NOW in the state of California. In case you haven’t heard, top insurance companies (ex. AllState, State Farm) are not accepting new customers or renewing policies… on purpose. Because of this, there are so things you should consider, be on the lookout for, and stay on top of — especially if you have autopay set up for your policies. The last thing you need to worry about… is your policy cancelling due to this change.
2023-09-1923 min
EmpowerYou Financial124. How to network & expand your communityHow to network & expand your community | EmpowerYou Financial Podcast [Episode 124]Welcome back to the EmpowerYou Financial podcast!Eva is back from Invest Fest and she is FIRED UP to share a few simple, practical gems for you guys to take away and implement when it comes to expanding your community! Your business and your branding cannot and will not grow without your community, so this is super important.It’s all about NETWORKING, especially at EVENTS! Eva will touch up on the things that sh...
2023-09-1224 min
EmpowerYou Financial123. How to Win FreedomHow to Win Freedom | EmpowerYou Financial Podcast [Episode 123]Welcome back to the EmpowerYou Financial podcast! We hope you had a great 3-day weekend.Our friend David is back and, today, he and Eva will share what they had to do in the past to live the life they live today. From the decision-making, working, studying to running their own businesses and gaining time/financial freedom — all while being parents of multiple children growing up with all the games and sports practices to keep up with!...
2023-09-0538 min
EmpowerYou Financial122. BYOB = Be Your Own Bank!BYOB = Be Your Own Bank! | EmpowerYou Financial Podcast [Episode 122]Hey everyone! Welcome back to the EmpowerYou Financial podcast.We hope you enjoyed our last episode where David broke down Life Insurance 101 for you... because HE’S BACK on this episode!Today, David is going to teach you how to BYOB = BE YOUR OWN BANK!To hook you in, what this could mean is: by you learning the banking strategy, you’ll learn how you can put money in a poli...
2023-08-2238 min
EmpowerYou Financial121. Life Insurance ExplainedLife Insurance Explained | EmpowerYou Financial Podcast [Episode 121]Hey community! Welcome back to the EmpowerYou Financial podcast.Ok, first, we apologize for Eva’s audio quality on this episode. There was a hiccup, we will fix it, and make sure it doesn’t happen again :( BUT! Good thing we have a guest today who drops so many gems, and his mic is working great! :)Please welcome our friend, our very own go-to Life Insurance expert, David GarciaOn this episode, we’r...
2023-08-1546 min
EmpowerYou Financial120. Identity TheftIdentity Theft | EmpowerYou Financial Podcast [Episode 120]Hey everyone! Welcome to today's podcast. We're continuing to talk about the scary money topics and giving you tips on how to prevent them from happening and/or how to get out of them if you're already in a situation.Today's main topic will be identity theft: The things you can do to prevent identity theft, how to look out for possible activities in the credit report that don't sound familiar, and how to recover in case you've already experienced identity theft.
2023-07-2528 min
EmpowerYou Financial119. Scams, Fraudulent Activity, Identity TheftScams, Fraudulent Activity, Identity Theft | EmpowerYou Financial Podcast [Episode 119]Hey everyone! We open up this week's episode with a THANK YOU & KEEP GOING! When the going gets tough and you want to give up, even if you know it's God's plans, lean on prayer AND lead on community! Don't think that you have to face it all alone — let your tribe nourish you and fill you up with spirit when you're running low.On this episode, we're going to continue talking about some scary money topics. Today's gems will be...
2023-07-1842 min
EmpowerYou Financial118. How to Handle Your Collection DebtHow to Handle Your Collection Debt | EmpowerYou Financial Podcast [Episode 118]Hey everyone! Welcome back to the EmpowerYou Financial Podcast. Last week, we talked about debt — specifically, credit card debt. This week, Eva's going to continue dropping gems about debt — specifically, collections!As always, we're here to remind you that you're never alone in this journey. The topic of collections is coming BECAUSE a few of you have messaged Eva and asked her for advice on how to handle your unique situations! While recovering from debt never has a One Size...
2023-07-1126 min
EmpowerYou Financial116. Road to a New Construction HomeRoad to a New Construction Home | EmpowerYou Financial Podcast [Episode 116]Welcome back to the podcast! On the last episode, Eva talked about everything homeownership — How to get started, what to do and consider once you're there, whether it’s a good idea or not to buy a home in today’s market, discussing where you'd want to live, how to furnish your home, how to navigate mortgage loans, how to sell if you decide to... EVERYTHING!Today, Eva continues the conversation about homeownership and, on this episod...
2023-06-2026 min
EmpowerYou Financial115. Road to HomeownershipRoad to Homeownership | EmpowerYou Financial Podcast [Episode 115]Welcome back to the podcast! On this episode, Eva is talking everything homeownership. From how to get started on your way to homeownership to what to do and consider once you're there! Whether it’s a good idea or not to buy a home today / in today’s market, what do discuss with your partner who you might be taking on this journey with, when you want to get married, where you want to live, how to furnish your home, how to navigate mortgage loans, how to sell...
2023-06-1343 min
EmpowerYou Financial114. How to Empower You!How to Empower You! | EmpowerYou Financial Podcast [Episode 114]Hey everyone, thank you all for sticking with us through the ups and downs of... LIFE!On this episode, Eva is back with pure excitement and energy to share with you everything you need to know about her new program and why SHE is YOUR credit coach!Get to know Eva from her professional experience and personal life all the way to ALL of the knowledge you'll be equipped with as her client — not just about credit, but about financial decisions, real es...
2023-06-0644 min
EmpowerYou Financial113. Unforeseen circumstances: Funeral expenses and resources that can helpUnforeseen circumstances: Funeral expenses and resources that can help | EmpowerYou Financial Podcast [Episode 113]Hey everyone, thank you all so much for your continued support, love, and encouragement that you've been sending Eva and her family as they mourn the passing of her mother. Delia has been peacefully laid to rest last week on a beautiful morning.On the last episode, Eva touched up on the importance of life insurance and how to get started on setting it up before it's too late. Okay, so we all understand how important...
2023-05-3055 min
EmpowerYou Financial112. Blessings or BurdensBlessings or Burdens | EmpowerYou Financial Podcast [Episode 112]Hey everyone, welcome back! We hope you used the last 2 weeks to catch up on all of the episodes while we took a break.We're saddened and heartbroken to share about the passing of Eva's beloved mother in the last week.From that experience, Eva talks about everything-life insurance in today's episode. From what it is and how you can get started all the way to how it can save your family's legacy and let your loved...
2023-05-1630 min
EmpowerYou Financial111. Who are you partnering with?Who are you partnering with? | EmpowerYou Financial Podcast [Episode 111]If you're a repeat listener (shoutouts to 30k downloads!), you know that Eva always talks about the value of your circle, your tribe, your community. On this episode, Eva dives in deeper about the standards and expectations she recommends you set when it comes to anyone you may develop relationships with — whether it's business partners, your team, collaborations, networking or even friends and family.You can only go so far alone, but if you have a partner who is ALSO de...
2023-04-2526 min
EmpowerYou Financial110. Is it a cost or an investment?Is it a cost or an investment? | EmpowerYou Financial Podcast [Episode 110]Let's start paying attention to our mindset around what we consider to be a cost vs an investment that can add value, enhance the experience, and have a positive return!On this episode, Eva shares how her trip to Italy with her sister went, and the lessons she's learned from flying Economy vs upgrading to Business Class. At first glance, the upgrade doesn't seem to be worth the spending. However, after being on a 10+ hr flight, Eva learns...
2023-04-1836 min
EmpowerYou Financial109. The Gift That Keeps On GivingThe Gift That Keeps On Giving | EmpowerYou Financial Podcast [Episode 109]Parents, have you ever thought about YOUR credit score being a GIFT for your KIDS?!? Setting your children up for success with your credit score will later bless them (AND YOU) once it's their time!Think about these examples: You won't have to co-sign anything because your kids wouldn't need you to. Your kids wouldn't have to pay high interest rates because of their credit score that you blessed them with.Listen in and...
2023-04-1142 min
EmpowerYou Financial108. Relationships, Finances, Teamwork.Relationships, Finances, Teamwork. | EmpowerYou Financial Podcast [Episode 108]Whether you're married, in a relationship, or single — listen up! On this episode, we're discussing how important teamwork, communication, and trust are in relationships, especially when it comes to finances!-Listen to Eva's Podcast, EmpowerYou Financial with Eva Palacios:Apple - https://podcasts.apple.com/us/podcast/empoweryou-financial/id1525483908?fbclid=IwAR0KGpu_QmquKOPqJ-m0w4rT1MOOlSjUJbr3PeYcCesmfQ7GqbCOaEEQnmYSpotify - https://open.spotify.com/show/62aygxTUFhKPVH2QW...
2023-04-0459 min
EmpowerYou Financial107. What coaches can do for you that you can't do alone!Man, there are just so many benefits to investing in the RIGHT coaches — whatever you may need some guidance for!Not only does it leave you with a peace of mind knowing that you don't have to second guess your moves and, so long as you follow their trusty strategy, you can focus on things that are most important to you — your kids, your family, your business, your time, etc.The right coach should also be able to show compassion towards your journey and reassure you that you aren't alon...
2023-03-2854 min
EmpowerYou Financial106. The Financial Freedom Tour!The Financial Freedom Tour! | EmpowerYou Financial Podcast [Episode 106]EmpowerYou Financial's very first conference is around the corner! The Financial Freedom Tour is coming to Stockton, CA this Saturday 3/25/2023! (Shoutouts to the STOCKTONIANS, as Eva would say)While this one-day conference will include information beyond an appointment with Eva, the VIP Package, especially, includes front row seating, swag bags, lunch provided, 2 Q&A sessions, along with an hour-long credit consultation!We always share with you how important it is to remain a student and to...
2023-03-2129 min
EmpowerYou Financial105. Credit Cards 101Credit Cards 101 | EmpowerYou Financial Podcast [Episode 105]In this episode, Eva gives you the 101 on starting (or re-starting) your credit building journey on the RIGHT FOOT. We'll be going over different types of credit cards (secured cards and department store cards vs the "fab 5" credit cards you definitely should get), address the truth about some of them, debunk some myths, and also gives you tips on how to (and why you should) build good relationships with your banks.For everyone overwhelmed with so many mixed information out on the internet...
2023-03-1445 min
EmpowerYou Financial104. Tips & Tricks to Boost Your Credit Score the SMART WayTips & Tricks to Boost Your Credit Score the SMART Way | EmpowerYou Financial Podcast [Episode 104]This week, we're going Q&A style as Damian asks Eva some questions pertaining to things about the credit game that you — whether you're an OG supporter or it's your first time here — may not know about!From the basics like how to check your credit scores MOST accurately (and it is NOT with Credit Karma) to insider details like 1) why you shouldn't waste money on companies that get your "inquiries removed", 2) why you shouldn't just...
2023-03-0748 min
EmpowerYou Financial103. Before you head to "Credit Repair" Companies"How long will it take for me to see results?" "What are your success stories?" "What's YOUR credit score?" Be demanding about your questions to companies you invest your money and trust into!Will these "credit repair" companies TEACH YOU STEP-BY-STEP how to raise your credit score, EMPOWER YOU with financial literacy and posture of confidence, IMPROVE your relationship and mindset with money, EQUIP YOU with the tools needed to prevent making the same mistakes in the future, and STICK BY YOU with what to do next after achieving a 700-800+ score?
2023-02-2851 min
EmpowerYou Financial102. When the money journey feels lonelyThis whole financial literacy, credit score raising, real estate investing, changing the generational cycles of spending, and transforming relationships and mindset with money can be a rather lonely journey. Not only that, the lack of education and wise decision-making can result in mistakes that could potentially be harmful or, even, embarrassing. Not only THAT, some people in the world can try to take advantage of that vulnerability by "selling you a course" aka taking your money without long-term education.In this episode, EmpowerYou Lion's Club member, Damian, shares his honest experience getting coached from...
2023-02-2157 min
EmpowerYou Financial101. Eva's Back! & Re-Building Business with IntentionWelcome back to the EmpowerYou Podcast! After a long break, Eva Palacios is back with a new co-host. But that’s the only thing that is different. EmpowerYou is designed to dive into all things credit. Eva’s goal is to help you navigate the often confusing world of credit and finances, and equip you with the tools and knowledge you need to build and maintain a strong credit score.In this episode, Eva discusses where she’s been, what happened on the break, and how she’s bounced back.-
2023-02-1443 min
EmpowerYou Financial67. House HackingStatistically speaking, in the US, roughly 42% of Blacks and 47% of Latinos are homeowners. That's less than half. So there's no wonder why depending on the where you grew up, home ownership may not have been at the top of your list of life achievements. Many of us did not grow up fully understanding all the benefits of owning our own home. From taxes to equity, there are so many folks that have literally leveraged their home to finance many important things in the their life. Listen in as Eva shares why she so strongly believes in home ownership and...
2021-11-301h 25
EmpowerYou Financial67. House HackingStatistically speaking, in the US, roughly 42% of Blacks and 47% of Latinos are homeowners. That's less than half. So there's no wonder why depending on the where you grew up, home ownership may not have been at the top of your list of life achievements. Many of us did not grow up fully understanding all the benefits of owning our own home. From taxes to equity, there are so many folks that have literally leveraged their home to finance many important things in the their life. Listen in as Eva shares why she so strongly believes in home ownership and...
2021-11-301h 25
EmpowerYou Financial66. Exploding Your Business CreditFor many business owners, building business credit can be an enigma. How do you properly go about obtaining business credit? How does my personal credit relate to my business credit? And, to what extent does my personal credit impact my ability to get business credit? These are questions that have clear answers although this information may feel elusive at times. Listen in as Eva shares how she strategically gained over $100K in business credit in less than 12 months and another amazing story from one of Eva's Lions around how he gained over $100K business credit in the same amount...
2021-11-231h 00EmpowerYou Financial66. Exploding Your Business CreditFor many business owners, building business credit can be an enigma. How do you properly go about obtaining business credit? How does my personal credit relate to my business credit? And, to what extent does my personal credit impact my ability to get business credit? These are questions that have clear answers although this information may feel elusive at times. Listen in as Eva shares how she strategically gained over $100K in business credit in less than 12 months and another amazing story from one of Eva's Lions around how he gained over $100K business credit in the same amount...
2021-11-231h 00
EmpowerYou Financial64. Timing Is EverythingWhen it comes to your personal credit and personal finances, knowing when to make certain moves is just as important as knowing what specific moves to make. Timing can be everything in many respects. We are not talking about timing the housing market or stock market, we are talking about speeding or up and slowing down your movement based on your individual situation, your goals, and your strategic game plan. Listen in as Eva shares how she approaches making the right moves at the right time and an inspiring story from another one of Eva's amazing Lions...
2021-11-091h 24EmpowerYou Financial64. Timing Is EverythingWhen it comes to your personal credit and personal finances, knowing when to make certain moves is just as important as knowing what specific moves to make. Timing can be everything in many respects. We are not talking about timing the housing market or stock market, we are talking about speeding or up and slowing down your movement based on your individual situation, your goals, and your strategic game plan. Listen in as Eva shares how she approaches making the right moves at the right time and an inspiring story from another one of Eva's amazing Lions...
2021-11-091h 24
EmpowerYou Financial62. Coaches Are NeededWhat is a coach by definition? There are so many people with the title "coach" sometimes the lines get blurred around what they do and don't do and how effective they are in their role. To that end, by definition, a coach is someone that will teach, train, and instruct you towards a goal. So, when it comes to Eva, The Credit Coach, she is focused on teaching, training, and instructing you on how to improve your personal finances and personal credit so you can live life on your own terms. Listen in as Eva breaks down what she...
2021-10-261h 02EmpowerYou Financial62. Coaches Are NeededWhat is a coach by definition? There are so many people with the title "coach" sometimes the lines get blurred around what they do and don't do and how effective they are in their role. To that end, by definition, a coach is someone that will teach, train, and instruct you towards a goal. So, when it comes to Eva, The Credit Coach, she is focused on teaching, training, and instructing you on how to improve your personal finances and personal credit so you can live life on your own terms. Listen in as Eva breaks down what she...
2021-10-261h 02
EmpowerYou Financial61. Eva ReturnsAfter several weeks out, Eva's is back to give an update. Listen in as Eva shares some unfortunate news that will forever impact her life and the life of her three boys...
Listener Perks:
Register for Eva's Credit Game Plan Webinar
Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less
To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards
Access our FREE Facebook Group, EmpowerYou Financial
2021-10-1926 minEmpowerYou Financial61. Eva ReturnsAfter several weeks out, Eva's is back to give an update. Listen in as Eva shares some unfortunate news that will forever impact her life and the life of her three boys...
Listener Perks:
Register for Eva's Credit Game Plan Webinar
Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less
To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards
Access our FREE Facebook Group, EmpowerYou Financial
2021-10-1926 minEmpowerYou Financial60. *Quick Update*This episode is short and sweet y'all. Unfortunately, Eva is under the weather and was not able to join us this week. With that said, we will be back next week with more content and more value! Listen in as Charles shares an update on Eva and what you all can look forward to from EmpowerYou Financial...
Listener Perks:
Register for Eva's Credit Game Plan Webinar
Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less
To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards
Access ou
2021-08-3107 min
EmpowerYou Financial60. *Quick Update*This episode is short and sweet y'all. Unfortunately, Eva is under the weather and was not able to join us this week. With that said, we will be back next week with more content and more value! Listen in as Charles shares an update on Eva and what you all can look forward to from EmpowerYou Financial...
Listener Perks:
Register for Eva's Credit Game Plan Webinar
Download Eva's FREE eBook titled, 5 Ways To Boost Your Credit Score In 30 Days or Less
To get an invite to the FREE app that pays you through cash back rewards go to EvaEmpowers.com/Rewards
Access ou
2021-08-3107 min
EmpowerYou Financial59. Income Producing ActivitiesWe have all heard the phrase time is money. And, if this statement is true then money is also time and wasting time is equal to wasting money. Sometimes this concept of time versus money is hard to understand because we traditionally see time and money as a trade-off. When we work a 9:00 to 5:00 we trade our time for money. However, are we really trading time for money or is it time for time? Or, better yet, are we trading a little money for us for big money for our employer? Listen in as Eva shares her approach to...
2021-08-2446 minEmpowerYou Financial58. You Don't Know What You Don't KnowAs many us embark on this journey of adding additional streams of income and starting new businesses, we often encounter new lessons and new experiences that we did not anticipate. Whether it be realizing all the opportunities available to us within our reach that once seemed so far away or being exposed to strategies and methodologies for success that we could never have thought of on our own. This journey is an ever-growing path of uncovering old truths and discovering new ways to run your business and get it to the next level. Listen in as Eva shares her...
2021-08-1745 minEmpowerYou Financial57. Network Marketing SecretsIf the global pandemic has taught us anything it's that multiple streams of income is no longer a 'nice to have' but a 'need to have'. One additional income opportunity many people hope to add to their households often comes from network marketing. Whether it be selling health and wellness products or cellular service or energy for home, network marketing companies have been around forever and are not going anywhere anytime soon. With that said, while many have tried to start their own business through these network marketing opportunities, not many are successful. Listen in as Eva shares her...
2021-08-101h 12
EmpowerYou Financial56. Eva Bought A Car!Depending on which city you are in, having a reliable vehicle to get you around each day can be extremely important. Especially, when you have a family and kids and everyone with their own daily and weekly obligations for school, work, practice, etc. Not to mention that outside of our homes, our vehicle can be one of the largest purchases we make as adults. With all of that in mind, listen in to how Eva approached buying a new vehicle for her family after an unforeseen event caused her free Mercedes SUV to be taken away...
2021-08-031h 01EmpowerYou Financial56. Eva Bought A Car!Depending on which city you are in, having a reliable vehicle to get you around each day can be extremely important. Especially, when you have a family and kids and everyone with their own daily and weekly obligations for school, work, practice, etc. Not to mention that outside of our homes, our vehicle can be one of the largest purchases we make as adults. With all of that in mind, listen in to how Eva approached buying a new vehicle for her family after an unforeseen event caused her free Mercedes SUV to be taken away...
2021-08-031h 01EmpowerYou Financial55. Throwing Down To Level UpStarting your own business can come with a slew of challenges financially, emotionally, and physically. According to data from the U.S. Bureau of Labor Statistics, about 20% of U.S. small businesses fail within the first year. By the end of their fifth year, roughly 50% have faltered. Why is that? Many business owners go into business with a clear vision of their dream outcome. Yet, when the clear vision starts to get muddied, it becomes more and more difficult to see a path forward especially when the path forward requires more time and money. Listen in as Eva shares...
2021-07-2757 minEmpowerYou Financial54. The Power Of Business CreditProperly establishing your business along with leveraging the power of business credit can be a huge wealth building tool. However, many of us have not been exposed to all the advantages business credit can give you. Imagine being able to tap into resources that will allow you to not only start your business but also make investments that could accelerate the growth of your business or support your business when things are slow. Listen in as Eva shares how to get started with business credit and how you can leverage business credit to level up...
2021-07-2046 minEmpowerYou Financial53. Want vs. BeliefWant, by definition, is the desire to possess or do something -- similar to a wish. Belief on the other hand is an acceptance that a statement is true or that something exists -- similar to faith. So what's the difference and why does that matter when it comes to personal finance and personal credit? Well, many of us 'want' to do better financially. We want a house, car, vacations, and savings. We want our kids to have more than what we had and we want to leave a legacy. But, how many of us believe this will actually...
2021-07-1354 minEmpowerYou Financial52. You're Approved!Have you ever applied for a credit card and crossed your fingers and held your breathe because you were not sure whether or not you would be approved? Have you ever applied confidently because you thought you knew the outcome, only to get denied for that credit card leaving you confused and frustrated? You are not alone. Many of us are not aware of exactly what the banks are looking for and what specific criteria they want applicants to meet. But, it doesn't always have to be that way. Listen in as Eva breaks down how she able to...
2021-07-061h 05EmpowerYou Financial51. Fight ClubAs we work hard to improve our personal credit and personal finances we are bound to face challenges along the way. No matter how good of people we are, there will still be times when our application will be denied for reasons that are not consistent with what we expected. So what do we do when that happens? Do we just accept the results that are given to us? Or, do we keep on trying? Sometimes it seems like everything is going against us but we believe we can still win as long as we keep fighting. Listen in...
2021-06-2945 minEmpowerYou Financial50. Is Entrepreneurship For Everybody?To be or not to be an entrepreneur is a question on a lot of people's minds as we come out of the global pandemic and try to adapt to our new normal. Do you have the patience, faith, grit, and discipline required to make your dreams a reality? Do you know what it truly takes each day to create and sustain a profitable business? While it may seem like a trendy thing to do, is entrepreneurship really for everyone? Or, is it possible to get the same benefits you believe entrepreneurship will yield by utilizing a different approach...
2021-06-221h 12EmpowerYou Financial49. Play To Your StrengthsHave you heard the phrase 'jack of all trades but a master at none'? Too often many of us think the best way to level up is to do everything ourselves. At times, doing everything ourselves feels like the only option because we either feel like we can't afford to pay someone for help, paying someone else would be a waste of money, or we don't trust that anyone can do it as well as we can. While all those things seem like good reasons, all of those reasons likely don't outweigh the benefit of saving time, stress, and...
2021-06-1539 minEmpowerYou Financial48. You Deserve ItFor some people, struggling to walk through the door of opportunity is less about the door being open and more about whether or not we feel invited. Some of us are stuck on the outside looking in because we are waiting on permission. We want to be inside, we want more for ourselves but we aren't sure if we are deserving. Whether it be because of how we were raised or the stories we have told ourselves, some of us can't see that the thing we want so badly is literally right in front of us -- we just...
2021-06-081h 16EmpowerYou Financial47. Mindset ShiftHow do you feel about having a large sum of money in a savings account? Does it make you proud, happy, or frustrated? Most people would definitely not say frustrated. However, when you consider the fact that the bank gives you a very small percentage of interest in your savings account while other investment vehicles pay considerably more in interest, it makes you wonder (and possibly frustrated). Think about it, if the money sitting in an account can earn 6% interest vs 0.05%, most people would much rather the 6%. However, that 6% option is not always readily available to everyday people. We...
2021-06-011h 01EmpowerYou Financial46. How To Win At The Car GameWhether it be purchasing or refinancing, there's a strategic way to win at the car game. Often times we just think about whether or not we can afford the payment and feel that affording the payment each month means that we are winning. However, there is so much more to consider like: negotiating the vehicle to its lowest cost, locking in the lowest interest with the best terms, and making payments in a strategic way that minimizes the amount of total interest paid. Additionally, when it's time to refinance, being strategic around when to refinance to either increase your...
2021-05-251h 00EmpowerYou Financial45. The Power Of NetworkingMany folks underestimate the power of their personal and professional networks. As we wake each day and just live our lives, we often don't truly think about who we are hanging around and how those relationships impact us. There's a saying that goes, "Tell me with whom you associate, and I will tell you who you are." So, if you are looking to level up, you need to hang out with people who are doing what you want to do and living how you want to live. Listen in as two guests, Nakisha and Clara, from our Lions Club...
2021-05-181h 09
EmpowerYou Financial45. The Power Of NetworkingMany folks underestimate the power of their personal and professional networks. As we wake each day and just live our lives, we often don't truly think about who we are hanging around and how those relationships impact us. There's a saying that goes, "Tell me with whom you associate, and I will tell you who you are." So, if you are looking to level up, you need to hang out with people who are doing what you want to do and living how you want to live. Listen in as two guests, Nakisha and Clara, from our Lions Club...
2021-05-181h 10EmpowerYou Financial44. Living On PurposeWhen good things happen to you, do you believe it was just a random occurrence, a stroke of luck, or an intentional string of choices and actions? Too often, when we look at our personal credit, we bury our head in the sand and hope that one day our credit score will just magically change. Since we may not fully understand how or why our score got to be where it is, we believe that this random score may also randomly increase. But, that can't be further from the truth. Listen in as two guests, Lucy and Enedina, from...
2021-05-111h 12EmpowerYou Financial43. Give To GetSo many of us desire to get to the next level but are reluctant to do what is necessary to get there. Too often we see the things we want but once we learn of the sacrifices it is going to take to get there, we are hesitant and oftentimes we give up. Why is that? The principle of you reap what you sow is not just something for those who read the bible, it's a universal principle that speaks to the way we get the things we want out of life. In order for us to have the...
2021-05-0435 minEmpowerYou Financial42. Quality Of LifeMany of us believe that our lives would be completely different if we only had a million dollars in the bank. While this may be true, a lot of us don't realize that the quality of life we believe we would have once we hit a million dollars, may be obtainable for far less money. For example, if all you needed was $5K to pay all of your bills and live comfortably each month, what would having $10K a month do for you and your family? That amount would be life changing because you would double what is already...
2021-04-2737 minEmpowerYou Financial41. Know Your BanksHow many of us truly have a relationship with the financial institution that we primarily bank with? Many of us don't even consider this a necessity. We deposit money in our accounts via direct deposit, ATM, or an app and spend our money accordingly with most of our transactions being made online, through an app, via a storefront, or writing checks. Rarely, do we actually need to go inside a branch to talk to anyone. But is this how we should view our relationship with our bank? At the end of the day, at some point, we all will...
2021-04-2052 minEmpowerYou Financial40. Love On Your PeopleOne of the most overlooked and least talked about wealth building strategies is leveraging the power of treating the people around you well. Whether we know it or not, the energy we put out is often the same energy we get in return. Although we aspire to quickly level up from our current situations, we cannot underestimate the power of the relationships and opportunities that currently exist at the level we are at. Listen in as Eva shares why she uses the phrase "Love On Your People" so often and why it is so important and foundational to the...
2021-04-1355 minEmpowerYou Financial39. Faithful Over A FewAlong this journey of improving our personal finances and personal credit, it is common for us to feel frustrated with the current level we are on. We often see so many people leveling up on Facebook and Instagram -- buying the house or the car we want, taking the vacation we wish we were on, investing in real estate or stocks, or overall achieving the goals we may have set out for ourselves. But, how often do we stop and consider the fact that where we are may be exactly where we need to be? And, that in order...
2021-04-0653 minEmpowerYou Financial38. Fastest RouteHow do you determine the fastest route to your destination? Let's say you were driving, would you ask someone for directions? Would you use your experience and knowledge of the roads to plan your route? Would you get a map and eyeball your way based on what you are seeing on paper? Or, would get a GPS that could determine where you are relative to where you are going and outline your fastest route in the context of things like traffic, construction, accidents, etc.? Listen in as Eva shares why she believes in providing her clients with a GPS...
2021-03-3041 minEmpowerYou Financial37. Spending WiselyEach month many of us are faced with the challenge of how to best spend our hard earned money. Some of us are able to make enough just to make ends meet while others may be fortunate enough to have something extra leftover. Regardless of where you are, we all have to think about how to best spend the money we have to first meet our basic needs and then to hopefully improve our situation for the better. Whether it be a consistent income stream or a one-time payment like a stimulus check, we all should take a moment...
2021-03-2352 minEmpowerYou Financial36. PrioritiesWhenever we make one thing more important than something else we are by definition prioritizing. As busy adults, each day we make decisions around which things make it to the top of our to-do list. Sometimes on the weekends or when we are off of work, we put resting and relaxing at the top of our list. But during the week, we may focus on getting ourselves to work on time while also making sure our kids go to school with their homework complete and we put off resting and relaxing until Saturday or Sunday. Whichever way your life...
2021-03-1657 minEmpowerYou Financial35. Comfortable With Being UncomfortableHow do you approach situations that make you uncomfortable? Do you do whatever you can to avoid further discomfort? Or, do you lean into the discomfort and take it as a challenge? Obviously, not every uncomfortable situation should be viewed as a challenge. However, there are many times in life, especially as we seek to grow ourselves personally, professionally, and financially where we will experience discomfort and that discomfort often represents the pathway towards our success. Listen in as Eva shares her approach to overcoming discomfort and why she leans into discomfort and often chooses to be comfortable with...
2021-03-0954 min
EmpowerYou Financial34. Who Are The Right People?If you have you been listening to the podcast you have heard Eva say several times, "get with the right people." But, what does she mean by this? Who are these right people? And, how can you judge whether or not someone is the "right" person? As we seek to improve our personal finances and personal credit we have to take risks and trust people along the way in our journey of leveling up. Listen in as Eva shares her criteria for what she feels makes up the right people and what she has learned from trusting the wrong...
2021-03-0249 minEmpowerYou Financial34. Who Are The Right People?If you have you been listening to the podcast you have heard Eva say several times, "get with the right people." But, what does she mean by this? Who are these right people? And, how can you judge whether or not someone is the "right" person? As we seek to improve our personal finances and personal credit we have to take risks and trust people along the way in our journey of leveling up. Listen in as Eva shares her criteria for what she feels makes up the right people and what she has learned from trusting the wrong...
2021-03-0248 minEmpowerYou Financial33. Estate PlanningNo manner who you are or how old you are, we all have an estate. Believe it or not, this is not something that is exclusive for the wealthy among us. By definition, an estate is the net worth of a person at any point in time alive or dead. It is the sum of a person's assets – legal rights, interests and entitlements to property of any kind – less all liabilities at that time. So, since we all have an estate, shouldn't we work to do what's right by it? Similar to our credit, we all have it, so why...
2021-02-2345 min
EmpowerYou Financial32. Results OrientedAs we continuously seek to improve our personal finances and personal credit we have to be careful about which advise we take heed to along our journey. With so much information available right at our fingertips and marketers constantly vying for our attention, it is easy to fall prey to the shiny and flashy side of personal finance. Despite this, Eva encourages us to look at the results of what we are investing our time and money in. And, if the results are not there, we should cut our losses and move on. Listen in as Eva shares her...
2021-02-1659 minEmpowerYou Financial32. Results OrientedAs we continuously seek to improve our personal finances and personal credit we have to be careful about which advise we take heed to along our journey. With so much information available right at our fingertips and marketers constantly vying for our attention, it is easy to fall prey to the shiny and flashy side of personal finance. Despite this, Eva encourages us to look at the results of what we are investing our time and money in. And, if the results are not there, we should cut our losses and move on. Listen in as Eva shares her...
2021-02-1659 minEmpowerYou Financial31. Where The Money Reside?People that have access to lots of money often talk about how easy it is to obtain money once you know the rules of the game. For many people that struggle each month, this is a hard pill swallow. It is hard to imagine, especially for folks that feel they work as hard as they can, that money can just be created out of thin air, just from making different decisions than they normally make. As crazy as it sounds, it's actually true. There is an abundance of money out there, money is not scarce. Listen in as Eva...
2021-02-0951 minEmpowerYou Financial30. Settling DebtWhile America had a debt problem prior to COVID, the impact of the global pandemic has put many things related to debt into tailspin. Whether it be car loans or home loans, credit cards or store cards, many things have fallen behind during this unprecedented time in our history. To that end, with debt being so closely tied to everything we do, how do we properly settle the rising tide of debt as we attempt to get our personal finances and personal credit in order? Listen in as Eva shares her approach to settling debt while making sure you...
2021-02-0259 minEmpowerYou Financial29. When To PivotHow many of us have financial commitments that make us feel good but may not be good for our overall finances? Whether it is something as small as a subscription service or a Starbucks habit or something large like a business venture or a loan of some type, how do we know when we should cut that expense off and count our losses? Listen in as Eva shares her advice on when to pivot from something that may not be giving us the return on investment that we deserve...
Listener Perks:
Register for E...
2021-01-2657 minEmpowerYou Financial28. Leveraging A RefiLeveraging the credit game often comes with the opportunity to change the terms of your loan, also known as refinancing. When done correctly, this strategic move can not only lower your monthly payment but also your interest rate which results in a lower amount of interest paid over time. This may not seem like a big deal but when you break down the math, a refinance can be a huge win for your personal finances. Listen in as Eva shares her experience with her recent refi and what ways she can leverage the refi to level up in several...
2021-01-1949 minEmpowerYou Financial26. Delayed, Not DeniedMany of us enter the new year with excitement and expectation as the new year often represents new beginnings and a chance to start over. With 2020 being the crazy year that it was, 2021 in particular, could represent a step in the right direction for us collectively and us personally as we hopefully begin our recovery from the global pandemic. One way to mark this transition, out of the old and into the new, and to stay committed to our change is to create a resolution. Listen in as Eva shares her new year's resolutions for 2021 and how she has...
2021-01-0554 minEmpowerYou Financial25. Stimulus Check?Many of us have heard the news of the second stimulus check coming our way. The amount of this stimulus check, by all accounts, is an insult to say the least in the context of anyone living within the United States. However, beyond of the frustration of such a disingenuous effort from the government, how do we as individuals protect ourselves and weather any financial storm? Is there any way we can create our own stimulus check and bail ourselves out should the need ever arise? Listen in as Eva shares how she is able to give herself her...
2020-12-2958 minEmpowerYou Financial24. Soft Pull, Hard HitThere is a lot of misinformation floating around when it comes to credit report inquiries. Some inquiries are considered hard and some are considered soft. So, what's the difference and how do they each impact your credit score? And, is it true that not all hard inquiries are the same? Listen in as Eva breaks down the difference between a hard and soft credit report inquiry, dispels a few myths, and teaches us how to WIN regardless...
Listener Perks:
Register for Eva's Credit Game Plan Webinar
Download Eva's FREE eBook titled, 5 Ways To...
2020-12-2246 minEmpowerYou Financial23. Leveling UpNo matter where you are on the personal finance spectrum, there is always a next level to achieve. With that said, it may not always be clear how exactly to move up the staircase of financial freedom, especially with so many conflicting messages online coming from so many people. Despite this, what we do know is that leveling up takes a combination of recognizing where you truly are, having a clear and proven game plan that lays out how to achieve your financial goals, receiving support and coaching along the way, and lastly, executing that game plan. Listen in...
2020-12-1537 minEmpowerYou Financial22. Other People's MoneyWhat would you rather have, an 800 credit score or $100K in the bank? While these things may not be exactly equivalent, this question brings up an interesting conversation around leverage and strategy as we look at our personal finances. Could both things be leveraged in a way that allows folks to level up? Sure. But, which one is better? Listen in as Eva shares her answer to this question and why she believes in approaching personal finance in a similar way the wealthy do...
Listener Perks:
Click here to schedule your Credit Game P...
2020-12-0848 minEmpowerYou Financial21. Emotional SpendingEmotional spending sometimes occurs when you buy something you may or may not need, as a result of feeling stressed out, bored, under-appreciated, unhappy, or any number of other emotions. In fact, we also spend emotionally when we are feeling happy and feel like celebrating. For example, what did you buy yourself the last time you got a raise, promotion, or bonus?
Trust, there's nothing wrong with buying yourself or your loved ones nice things from time to time, as long as you can afford it and your finances are in order. However, if you're spending more t...
2020-12-0139 min
EmpowerYou Financial20. GratitudeIn a special episode this week, Eva invites guests from the EmpowerYou community to listen in on a LIVE recording of the podcast. In the spirit of Thanksgiving, six awesome women joined the podcast as we talked about the attitude of gratitude and how being gracious positively impacts our personal finances. Listen in as Eva and our guests share the positive impact the EmpowerYou community has had on their lives...
Listener Perks:
Click here to schedule your Credit Game Plan session with Eva
Download Eva's FREE eBook titled, 5 Ways To Boost Your Cr...
2020-11-2457 minEmpowerYou Financial20. GratitudeIn a special episode this week, Eva invites guests from the EmpowerYou community to listen in on a LIVE recording of the podcast. In the spirit of Thanksgiving, six awesome women joined the podcast as we talked about the attitude of gratitude and how being gracious positively impacts our personal finances. Listen in as Eva and our guests share the positive impact the EmpowerYou community has had on their lives...
Listener Perks:
Click here to schedule your Credit Game Plan session with Eva
Download Eva's FREE eBook titled, 5 Ways To Boost Your Cr...
2020-11-2457 minEmpowerYou Financial19. What's An Investment Worth?An investment by definition is the act or process of investing money for the purpose of profit or material result. But, is money the only type of investment worth making? Along this road of improving our personal finances there many types of investments we should be looking to make. Investing in individual people, your network, information, education, and your future, in addition to things like real estate, are all great investments that will often yield you more money. And, most importantly, more time. Listen in as Eva shares her definition of investing, all the ways she looks to invest...
2020-11-171h 02EmpowerYou Financial18. Who Handles The Finances?Personal finance is typically not something we are taught in grade school. Usually, the lessons we learn around personal finance are taught to us by our parents and we are often thrust into the role of being our own personal finance manager as adults after we starting earning a living. Naturally, it would seem that since we are making the money we should also be the ones managing it, right? But, how often do we stop and reflect on whether or not we are the best person for that role? Should it be our partner? Should we hire someone...
2020-11-1037 minEmpowerYou Financial17. J.O.B.Are you currently employed and feel drawn towards entrepreneurship? Are you a current business owner but really feel like life would be much easier if you had a 9 to 5? No matter which category you fall in, we often believe that grass is greener on the other side. However, truth be told, how you earn an income does not matter as much as how you handle your personal finances. Listen in as Eva shares the pros and cons of being employed and being self-employed and how to win in the personal finance game no matter what...
2020-11-0354 min
EmpowerYou Financial16. Upside DownAs much as we love our vehicles it is generally understood that cars are depreciating assets and not particularly great investments. However, even with that knowledge, we find ourselves stuck in a lease or finance contract because we need to find a way to get from A to B. With that said, despite these realities, is there still a way we can when at this car game? Do we always have to be "upside down", which means to owe the finance company more than the car is worth? Listen in as Eva shares her car buying experiences and how...
2020-10-2748 minEmpowerYou Financial16. Upside DownAs much as we love our vehicles it is generally understood that cars are depreciating assets and not particularly great investments. However, even with that knowledge, we find ourselves stuck in a lease or finance contract because we need to find a way to get from A to B. With that said, despite these realities, is there still a way we can when at this car game? Do we always have to be "upside down", which means to owe the finance company more than the car is worth? Listen in as Eva shares her car buying experiences and how...
2020-10-2748 minEmpowerYou Financial15. Vacation Vacation VacationA vacation by definition is 'an extended period of leisure and recreation, especially one spent away from home or in traveling'. Despite the limitations of COVID, it is important for us to still find time for ourselves and our families to get away and unplug. While some may prefer a 'staycation' and those certainly can be rewarding, we believe there also is great value in the collective experience of traveling for leisure and taking in all the wonderful things to come with visiting places that are outside of our hometown. Listen in as we share our vacation experiences and...
2020-10-2059 min
EmpowerYou Financial15. Vacation Vacation VacationA vacation by definition is 'an extended period of leisure and recreation, especially one spent away from home or in traveling'. Despite the limitations of COVID, it is important for us to still find time for ourselves and our families to get away and unplug. While some may prefer a 'staycation' and those certainly can be rewarding, we believe there also is great value in the collective experience of traveling for leisure and taking in all the wonderful things to come with visiting places that are outside of our hometown. Listen in as we share our vacation experiences and...
2020-10-2059 min
EmpowerYou Financial14. FICO 10Have you ever applied to purchase a car or home and was told by the lenders that your credit score was not what you believed it to be? Whether you are using Experian.com or Credit Karma, it sometimes feels like we as consumers are looking at a set of scores and the lenders are looking at something entirely different. Why is that? Listen in as Eva breaks down the different FICO Credit Scoring Models that exist with consumers and lenders and how to prepare yourself to win regardless of the FICO Credit Scoring Model being used.
A...
2020-10-1344 minEmpowerYou Financial14. FICO 10Have you ever applied to purchase a car or home and was told by the lenders that your credit score was not what you believed it to be? Whether you are using Experian.com or Credit Karma, it sometimes feels like we as consumers are looking at a set of scores and the lenders are looking at something entirely different. Why is that? Listen in as Eva breaks down the different FICO Credit Scoring Models that exist with consumers and lenders and how to prepare yourself to win regardless of the FICO Credit Scoring Model being used.
A...
2020-10-1344 min
EmpowerYou Financial13. Side HustleOne lesson that many of us have learned from the global pandemic is that nothing is promised. Before March, who could have ever imagined a time where everyone, literally everyone, was told to stay home from work? In the beginning, many of us welcomed the time to stay home and relax. However, after days became weeks and weeks became months and our income started to become uncertain, many of us were faced with the hard truth of needing to figure out how to make ends meet despite COVID. Listen in to hear how Eva has survived the pandemic and...
2020-10-0644 minEmpowerYou Financial13. Side HustleOne lesson that many of us have learned from the global pandemic is that nothing is promised. Before March, who could have ever imagined a time where everyone, literally everyone, was told to stay home from work? In the beginning, many of us welcomed the time to stay home and relax. However, after days became weeks and weeks became months and our income started to become uncertain, many of us were faced with the hard truth of needing to figure out how to make ends meet despite COVID. Listen in to hear how Eva has survived the pandemic and...
2020-10-0644 minEmpowerYou Financial12. Couples & CreditSo, at what point should couples start discussing topics like personal finance and credit? And, once things get serious in the relationship, which accounts should be shared and which accounts should be separate? Are there best practices? Without approaching this topic the right way and being strategic, one could find themselves at a disadvantage if the relationship goes left. Listen in as Eva shares some surprising tips and tricks and reveals how she manages this topic within her household...
Listener Perks:
Click here to schedule your Credit Game Plan session with Eva
Download Eva's FREE e...
2020-09-2943 minEmpowerYou Financial11. Rebuilding After HardshipFor many of us, the last six months have been challenging. Whether we were impacted directly or indirectly by COVID, we have all had to take a second look at our personal finances and credit. Some of us may have experienced setbacks and are actively rebuilding what may have been lost. To that end, how do you most effectively rebuild? We understand that rebuilding is sometimes a part of our journey of growing and getting stronger, but is there a way to works best when it comes to rebuilding our credit? Listen in as Eva breaks down the best...
2020-09-2248 minEmpowerYou Financial10. Credit Card RewardsThe relationship with credit cards usually goes something like this -- you get something you want now in exchange for you paying for that thing you want plus interest later. That's how it typically works. But, did you know that there are situations where credit cards pay you? In other words, as a reward for using certain credit cards to make specific your purchases, credit card companies give you various forms of cash back. These reward programs often result in free money that, if used correctly, can discount future purchases and improve your quality of life. Listen in as E...
2020-09-1545 min
EmpowerYou Financial01. Introducing EvaThis is the first official episode of EmpowerYou Financial with Eva Palacios! We are super excited to get this podcast started and we look forward to providing great content for our listeners! In this episode, we learn about Eva's backstory and what experiences have made her into the personal finance expert that she is today. This is just the beginning... Enjoy!
The EmpowerYou Financial Podcast is available on all other major platforms!
2020-07-2954 minEmpowerYou Financial01. Introducing EvaThis is the first official episode of EmpowerYou Financial with Eva Palacios! We are super excited to get this podcast started and we look forward to providing great content for our listeners! In this episode, we learn about Eva's backstory and what experiences have made her into the personal finance expert that she is today. This is just the beginning... Enjoy!
The EmpowerYou Financial Podcast is available on all other major platforms!
2020-07-2954 min