Shazia Imam is a life coach and the host of Feminine & Fulfilled Podcast.

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Shazia Imam is a life coach who helps women unlock their deepest desires and power so they feel worthy, see their own gifts, and live their purpose. She is also the host of Feminine & Fulfilled, a podcast that features real and raw conversations with female powerhouses. Meant to inspire and spark your inner power, it serves as a weekly reminder that you are brilliant, loving and highly capable. In this episode, Shazia shares tips for embracing an abundance mindset, and why feeling wealthy doesn’t necessary mean having a lot of money in the bank.

Join the Financially Savvy Travelers Facebook group, a hub for travelers and money nerds who want to make informed financial decisions and connect with other budget-conscious travelers.

In this episode we cover:

  1. Ways to engineer your life.
  2. What it means to feel wealthy.
  3. Why you need a millionaire club.
  4. Books to help develop a wealthy mindset.

Resources Mentioned

Abundance Mindset Mantras

  • There is no limit to resources.
  • There is no limit to money.
  • Money grows on trees.

Connect with Shazia Imam

Shazia Imam, Life Coach & Podcaster

Podcast: Feminine & Fulfilled


Facebook: @shaziaTLE

Instagram: @thelifeengineer

Next Listen To:

Episode 25 – How to Earn Passive Income with Denis O’Brien

Episode 34 – Building Wealth and Moving Abroad with Damien Peters

Tips for downsizing your expenses during a recession.

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These are challenging times. During the wake of the pandemic, many are facing economic loss and insecurity. The stock market is plummeting, millions have lost their jobs and many businesses have shut down. If you’re like me, over the last few weeks you’ve found yourself pivoting. Between cancelling trips and readjusting financial goals, I’ve had to make a lot of financial decisions quickly.

In light of the pandemic, if you’re considering downsizing your spending, this episode is for you.

In this episode, I share seven tips for reducing your expenses during times of uncertainly. I also share some simple ways you can gradually increase your savings as well. 

Prefer to watch the video?

No problem, press play and join me on future live steams by following me on Facebook 🙂

Did you enjoy this episode about downsizing your spending? Reach out to me via Twitter @thethoughtcard and let me know which of these tips you plan on implementing.

Listen to this episode next: How to Set Financial Goals That Lead To Success.

Want to get more money saving tips? Get access to my budgeting course Back to Budgeting Basics. In this course, learn how to track your spending and create a simple budget that you can regularly stick to. Get started with my budgeting method here.

Lastly, if you listen to The Thought Card Podcast on Apple Podcasts, please consider leaving me a rating and a review. This not only helps the show get found on search but shows potential listeners that this show is worth listening to. I really appreciate your support!

What is the racial wealth gap in America with Erika and Delina co-hosts of Broke-ish Podcast.

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In this episode we’re joined by Delina and Erika, the co-hosts of Broke-ish, a podcast which discusses how systems, laws and policies which specifically target black folks have kept us from building wealth and achieving the ‘American dream’. Broke-ish explores the duality of being Black in America and shares all the unbelievable ‘ish’ that America has done to hold Black people back. In this episode we chat about the importance of calculating your net worth and the shocking truth about the racial wealth gap in America.

As of 2019, here are the shocking facts:

  • Median household wealth for Black families = $1,700
  • Median household wealth for White families = $116,000
  • The median black family is estimated to have $0 in wealth by the year 2053

Introducing Millennial Wealth Builders, a 12-part audio docuseries highlighting Women of Color building wealth. Expect new episodes the first of the month.

In this episode we cover:

  • How to calculate your net worth
  • Why net worth is a key indicator for building wealth
  • Ways to define middle class
    • Money (economic resources)
    • Milestones (education, career, etc.)
    • Mama’nem (culture, social access, etc.)
  • Why income isn’t enough to classify yourself as middle class
  • What is the racial wealth gap in America (or the racial wealth divide)?
  • Ways we can become more involved and advocate for policy changes

Resources Mentioned

How the Racial Wealth Divide is Hollowing Out America’s Middle Class

Broke-ish: Are You Middle Class?

Equal Pay Day Observances

WOC (Women of Color) Podcasters Community

Connect with Delina and Erika:


Facebook: @brokeishpodcast

Instagram: @brokeishpodcast

Twitter: @broke_ish

If you enjoyed this episode listen to these next:

Building Wealth and Moving Abroad with Damien Peters

Leaving a Legacy Behind with Acquania Escarne

Passive Income Streams with Denis O’Brien

Become an author and start selling eBooks with the Make Money with Ebooks course.

Sign up for Digit and get $5 towards your next saving goal! 

Money on the Mountain Retreat in Denver Colorado by Michelle Jackson

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Money on the Mountain Retreat is a financial retreat for financially single women. In this episode, I share my takeaways from attending the inaugural retreat hosted by Michelle Jackson in Denver, Colorado. During this retreat I also spoke on affording travel as a financially single woman including why you need a travel fund, having multiple bank accounts, tips for traveling solo and more.

Top Takeaways from Money on the Mountain

Budgeting and Business

“Get pissed off and take action.” – Phylecia Jones from iFind You Close

“Every day ask yourself, who needs to know my name.” – Phylecia Jones from iFind You Close

“Do your money check-ins on the 1st and 15th of the month in the mornings.” – Phylecia Jones from iFind You Close

Debt Repayment

“Debt means you’re paying for your past.” – Melanie Lockert from Dear Debt and Founder of Lola Retreat

“When it comes to paying down your debt, go beyond average if you want to see progress.” – Melanie Lockert from Dear Debt and Founder of Lola Retreat

Real Estate Investing

Jenny Bayless shared how to build wealth through real estate investing with the BRRR method which stands for Buy, Renovate, Rent and Repeat.

“When it comes to rental properties, purchase properties that are undervalued and in need of repair.” – Jenny Bayless

Other Resources Mentioned

Michelle Jackson is the instructor of Make Money with Ebooks course. This course is great for anyone looking to self-publish their own books and add another income stream to their mix.

Also, check out Digit, one of my favorite money-saving apps which helps you save your spare change. Here’s $5 to get started using my referral code.

Building Wealth and Moving Abroad with Damien Peters Founder of Wealth Noir

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The recording of this episode was sponsored by NEFE at #FinCon19.

Damien Peters is a personal finance nerd and former Facebook Product Manager who started Wealth Noir to help others build wealth and gain financial freedom. He actively invests in stocks and enjoys real estate investing. Damien currently lives in Valencia, Spain with his wife and 2-year-old son. In this episode learn how to create a wealthy lifestyle where you travel in a way that makes sense with your wealth goals.

In this episode we cover:

  • What it means to build wealth and why it is important.
  • Why Damien chose to move to Valencia, Spain with his family.
  • The factors he considered when picking a location to move abroad including healthcare, cost of living, average temperature, political economy, safety, and more.
  • How moving abroad has helped him build wealth.
  • Recommended resources for those thinking about moving abroad and becoming an expat.
Damien Peters Founder of Wealth Noir and Danielle Desir Founder of The Thought Card
Live recording with Damien at FinCon!

Resources Mentioned:


M1 Finance


What is a Robo-Advisor and Why I Love Them

Choosing Your Expat Country

Connect with Damien Peters:


Facebook: @wealthnoir

Instagram: @wealthnoir

Instagram (personal): therealmrpeters

Twitter: @wealthnoir

Pinterest: @wealthnoir

If you enjoyed this episode, listen to Episode 12: Emigrating to the USA with Kylie Neuhaus and Episode 22: Moving Abroad after 30 with Frantzces Lys.

Want to visit Iceland? Grab a copy of my Iceland travel guide here!

Denis O'Brien host of Chain of Wealth Passive Income Streams and Side Hustles

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Denis O’Brien is a Chartered Accountant who is passionate about money and personal finance. Along with his wife Katie Welsh, they run Chain of Wealth a personal finance blog and podcast that inspires millennials to openly talk about money and tackle their financial issues. Together Katie and Denis have paid off $200,000 of debt in less than 2 years and they inspire others to reach their financial dreams by creating easy to understand resources. Chain of Wealth has been featured in USA Today, Nerd Wallet, Rockstar Finance and other publications. In this episode, Denis shows us how he has set up different passive income streams to reach his goals and how you can too!

In this episode we cover:

  • What is a side hustle?
  • Why people should consider multiple income streams
  • The difference between side hustles and passive income
  • How to convert an active income stream into passive income
  • How passive income helps build wealth

Resources Mentioned:

Passive Income: Ideas For Setting Up Multiple Streams of Income – Chain of Wealth

Making Sense of Affiliate Marketing Course

The Millionaire Next Door by Thomas J. Stanley and William D. Danko

The Side Hustle Show by Nick Loper

Freelance Friday Podcast by Latasha James

School of Ambition Podcast by Dielle Charon

Do You Even Blog by Pete McPherson

Our Favorite Investment Apps:

Acorns – Acorns helps you invest your spare change automatically. Get $5 by signing up today.

Robinhood – Invest in stocks, ETFs, cryptocurrencies commission-free right from your phone or desktop.

Stash Invest – A micro investing app which helps you learn, save and invest.

ChangEd – Analyzes your spending, collects your spare change and puts it towards your student loans.

Connect with Denis O’Brien:

Facebook: @chainofwealth

Facebook Group: Chain of Wealth – Invest in Your Future

Twitter: @chainofwealth

Be sure to rate and review the show, and if you’d like a shout out on the next episode, screenshot your review and tag me on social media @thethoughtcard!

Tips for things to do after reaching your emergency fund goal.
I hit my savings goal…now what?

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So you’ve stashed a significant amount of money away in your emergency fund. Congratulations! But now that you’ve accomplished your savings goal, you might be wondering, what’s next? In this mini episode, I share ideas for what you can do after you’ve reached your emergency fund savings goal.

Don’t forget to join me live every Sunday over at The Thought Card on Facebook!

Why have an emergency fund?

One of my favorite sayings that you can apply to your personal finances is “When you stay ready, you never have to get ready.”

An emergency fund is important because just in case something happens, you have money set aside for unexpected expenses. It can also save you from going into debt.

For example, if you lose your job, at least you have money to cover your expenses for a few months.

More Resources:

Read >> Emergency Fund Dos and Don’ts

Listen >> Episode 21: How to Set Yourself Up for Financial Success by Setting Financial Goals

How much should you have in your emergency fund?

It really depends on how much you think you’ll need. Everyone’s savings target will be different.

However, conventional wisdom says that you should have anywhere between 3-12 months of expenses saved in your emergency fund.

How did I do it?

I started my emergency fund by saving $1,000.

This is actually what personal finance guru Dave Ramsey suggests as well. In Baby Step 1, Dave Ramsey suggests saving $1,000 in your starter emergency fund for when something unexpected comes up.

After you’ve saved $1,000 now what?

My Top Emergency Fund Milestones:

  • Save $1,000 in emergency fund
  • Save $5,000 in emergency fund
  • Have a $500 to $2,000 buffer in my main checking account. This pot of money serves as the first line of defense and gives me some leeway to spend without having to dip into my emergency fund.

Found this episode informative?

Share your thoughts by leaving a review on Apple Podcasts!

This episode of The Thought Card is sponsored by my brand new course Back to Budgeting Basics. In this fundamental budgeting course, I teach you how to create a goal centric budget that helps you accomplish your short and long term financial goals faster. I also teach you how to track where your money is going every month, organize your banking and create a simple money routine.

How to set financial goals. Best practices for setting financial goals.

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Goals are important because they allow you to create your future today. Although a lot of people set financial goals every year, most people don’t actually end up sticking with them because they get distracted along the way. So how do you set financial goals that you will achieve? In this episode, I share easy ways to set yourself up for financial success by setting financial goals that are a good fit for your life right now.

Sign up for my Setting Financial Goals Workshop where you’ll learn:

  • Why goal setting is so important
  • How to reverse engineer your goals
  • Mistakes holding you back from reaching your potential and more

Also, don’t forget to check out my Back to Budgeting Basics course. In this course we debunk the myths that budgeting is “hard” and I help you manage your money so you can quickly achieve your financial goals.

A special thank you to my supporters on Patreon.

Things to Consider When Setting Financial Goals

1. Assess your current situation.

When you’re setting financial goals, what you’re really doing is assessing where you are right now and determining where you want to be in the future.

To do this, ask yourself:

  • Where am I right now?
  • What do I want to accomplish?

Helpful Tip: Money serves different purposes. You can spend money, save, pay off debt, invest or give money to charity.

Typically financial goals will fall into one of these major categories.

2. Is your goal too hard?

You are less likely to achieve goals that are too difficult.

Truth is, the best goals are realistic but not too over the top.

3. Check yourself.

Are these goals for you or are they based on what others want for you?

Set financial goals based on what you want for yourself not what you think others want for you.

4. Create an emotional connection.

Can you visualize yourself achieving your goal?

What sort of emotions will you feel when you accomplish your goal?

Will you feel excited? Calm? Relaxed?

Remember, it’s easier to achieve goals that you are emotionally connected to.

5. Bridge the gap.

To bridge the gap, break down your goals into smaller more manageable tasks or mini bite-sized goals. You can do this by setting monthly, weekly or daily goals.

6. Celebrate milestones.

Lastly, be sure to celebrate any big milestones or money wins. This will give you the motivation to keep going.

Did you find this episode informative? For more on how to set the right financial goals for a brighter future, join my goal setting workshop here.

Take a screenshot of you listening to the show and tag me @thethoughtcard on Twitter, Facebook or Instagram so I can personally say thank you!

Be sure to check out Episode 17 where I share my biggest lessons learned in 2018.

And catch the next episode where we chat with Frantzces from Chronicles Abroad about living, working and traveling abroad.

Brandon Neth from is an entrepreneur, real estate investor and travel enthusiast.
How to take advantage of points and miles, side hustles, and leverage real estate to build wealth.

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Brandon Neth left the U.S. for the first time in 2008 destined to teach English in Thailand. Him and his wife left with only $3,500 to their name. Twenty-two months later they returned home addicted to travel.

During their time abroad, Brandon taught English in China and India and worked in Australia for a year where he made some serious cash. Knowing he wanted to continue his nomadic lifestyle, Brandon tried a little bit of everything, however, when he discovered points and miles, it all came together.

Combining entrepreneurship, side hustles, investing and real estate, Brandon continues his nomadic lifestyle by diversifying his income streams.

Sixty-four countries later, Brandon and his wife travel six months out of the year. In addition to owning several real estate properties, Brandon works at, a personal finance site that provides valuable and entertaining content about personal finance and travel. 

In this episode we chat about:

  • Why using credit cards is a good idea if you want to travel more
  • Brandon’s favorite credit cards for travel rewards
  • What to look out for when getting a new credit card
  • How Brandon saved $100,000 working in Austraulia on the working holiday visa
  • Examples of side hustles that work
  • What digital nomads should look for when picking to live in a new destination including: internet speed, friendly locals, affordable standards of living, easy local laws and delicious food.
  • How to get started house hacking and leveraging real estate
  • Investing in ETFs and index funds

Resources Mentioned

Connect with Brandon Neth:


Instagram: @financebuzztravel

Pinterest: @financebuzzoffical

Thanks again for listening to the show!

Ratings help this show get more easily found in search, so don’t forget to rate, review and subscribe to the show. By subscribing you’ll automatically get notified as soon as new episodes come out every other Thursday.

Interested in sharpening your budgeting skills?

Join us over at Back to Budgeting Basics, the course where I teach you how to create a budget that helps you save more money every month!

2018 Year in Review The Thought Card by Danielle Desir

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Happy New Year! I can’t believe that we are already a week into the new year.

I experienced a lot this year. Many great things happened and I learned a lot of important lessons along the way.

Throughout 2018 I was bold.

I got a promotion (which I negotiated), I started this podcast (with no experience), spoke at a podcasting conference and I even found love.

In this episode I share what worked in 2018, what didn’t work and the most important lessons I learned. I also share my top goals for 2019 and why “committed” is my word for the new year.

Year End Review Resources Mentioned

Back to Budgeting Basics Course

What Worked in 2018

  1. Got a promotion at work. I’m now a Grants Manager.
  2. Launched The Thought Card podcast with over 500 downloads in the first month.
  3. Created WOC Podcasters (Women of Color) an inclusive podcasting community for learning, networking and sharing resources.
  4. Presented at Podcast Movement in Philadelphia, the world’s largest podcasting conference.
  5. Became an editorial board member of Podcast Business Journal.
  6. Participated in my first panel discussion in New York City with A.I.M. Unlimited.
  7. Went on lots of short trips in 2018 including trips to Ireland, Chicago, Oslo, Iceland, Puerto Rico, the Finger Lakes (New York), Orlando and Toronto.
  8. Attended FinCon and TBEX North America – Listen to Episode 8 where Yasmine and I share tips for attending FinCon for the first time.
  9. Got featured on lots of podcasts including Chronicles Abroad, Comfortably Excluded, WTF?! IDK Podcast and Travel Fuels Life.
  10. As a freelance writer, I also contributed 5 articles to Go Banking Rates, a leading personal finance banking website.
Tips for paying off credit card debt and student loans faster.

What Didn’t Work in 2018

  1. Overworked myself and got really sick.
  2. House hacking and having roommates was challenging – don’t worry, they moved out!
  3. I didn’t finish working on my book. 
  4. Planned too many trips, too far in advance and had to cancel.

Lessons Learned in 2018

  1. Health is wealth. 
  2. Budgeting is still very important

What are your goals for 2019?

Leave me voicemail or join the conversation over at Financially Savvy Travelers and share your top travel or money goals for the new year! Happy New Year!