107. The 4-Part Wealth Plan: Budget, Debt, Goals, and Retirement

Erika Aviña of Prosperity Planning breaks down what a “wealth plan” actually is—beyond just budgeting—and how to build financial confidence even if you feel behind. We talk money mindset, common blind spots (subscriptions, variable spending, uninvested retirement accounts), and practical steps you can take this week to create more peace and options.Key takeawaysMost people were never taught money basics—so feeling unsure is common (and fixable).Start with awareness: know what comes in, what goes out, and where variable spending is sneaking in.A wealth plan includes budgeting + debt strategy + goals + retirement planning.Canceling subscriptions and renegotiating bills can free up real cash quickly.Minimum payments + high interest rates keep you stuck—breaking the cycle requires a plan and new habits.Retirement is a number, not an age—knowing your “number” creates flexibility.Teaching kids money skills early (spend/save/invest/give) helps break generational patterns.Connect with ErikaErika Aviña is the founder of Prosperity Planning and creator of the Prosperity Wealth Method™. She helps busy moms and women entrepreneurs eliminate debt, optimize cash flow, and build long-term wealth with clarity and confidence—without shame or finance jargon.Instagram: prosperity.planningEmail: [email protected] 7-Day Financial Reset: mybudgetbestie.kit.com/free-budget-templateWebsite / Prosperity List: mybudgetbestie.kit.com/the-prosperity-listIf this episode helped you, share it with a friend and tag us so we can thank you—then take 10 minutes today to look at your subscriptions and last week’s spending.Thank you for listening to Creating Sunshine! Your support means the world to me, and I'm so grateful you're part of this community.If this episode resonated with you, I'd love it if you could take a moment to rate and review the show on your favorite podcast platform. Your reviews help other listeners discover Creating Sunshine and find the encouragement they need on their own journeys.Don't forget to hit that follow button so you never miss an episode- there's so much more sunshine to create together!Let's stay connected:Your Next Chapter (1:1 Mindset Coaching)Follow me on InstagramShop my cups on InstagramJoin my email listMindset Reset ChallengeGet your free Sunshine Moments downloadRemember, even in the darkest moments, there's always a way to create a little sunshine. Until next time, keep shining bright!