EP 04: The Financial Habits I Built in My 20's That Changed My Life

In this solo episode, I’m sharing the exact habits and mindset shifts that helped me go from earning $500/month at 21 to building multiple income streams, creating a lifestyle-aligned business, and experiencing real financial freedom. If you’re ready to stop feeling overwhelmed and start feeling empowered when it comes to money—this episode is for you.Here’s what you’ll learn:Why tracking your expenses (yes, even the tiny ones) is a game-changerHow no-buy months and $100 fun budgets helped me rewire my spending habitsThe real reason my savings goals used to fall short—and what changedWhy I swear by a high-yield savings account and how I use mineThe easiest way I started investing (with no financial background)How I use credit cards strategically to earn free travel and boost my creditWhy it’s not about how much you make—but what you do with itTune in to hear how the same habits I started with at 21 still shape my financial life today—and how they can work for you too.Ready to build a lifestyle aligned real estate portfolio? Apply for the Rooted in Rentals Mentorship and Interview with Zoey to join the community: https://www.zoeyberghoff.com/rnrmentorshipGet Zoey’s free resources for her listenings and stay in the know with the monthly Rooted Report here: https://www.zoeyberghoff.com/toolsExclusive discounts and free trials from brands Zoey loves for her listeners. Unlock them here: https://www.zoeyberghoff.com/resourcesReady to build a lifestyle aligned real estate portfolio? Apply for the Rooted in Rentals Mentorship and Interview with Zoey to join the community: https://www.zoeyberghoff.com/rnrmentorshipGet Zoey’s free resources for her listenings and stay in the know with the monthly Rooted Report here: https://www.zoeyberghoff.com/toolsExclusive discounts and free trials from brands Zoey loves for her listeners. Unlock them here: https://www.zoeyberghoff.com/resources-