#122: Financial Education vs. Financial Experiences

My degree is in finance, but it wasn’t until I had learned from terrible money experiences that things started to improve.

Seriously, from 18-21, I was going to class every day, learning about money and finance and analysis, but after school, I was out spending money and accumulating debt.

I was not implementing a drop of what I’d learned and in hindsight, I’ve realized that there is so much more to money than knowing what to do with it.

Our thoughts, experiences, influences, and society all play a role.

In this episode, I’m sharing why you don’t need a formal education in finance to become financially independent.

I’m also sharing how financial experiences can mold a life of financial security.

Here’s a glance at this episode:

  • [02:31] Raya shares her early experiences with money as a child and her perspective on how things were covered back then.
  • [04:57] A money belief that Raya absorbed early on was that if you go to work every day you will come home and have what you need.
  • [07:45] The money principles Raya learned before college went out the drain when she got to college and had access to credit cards.
  • [11:25] Raya learned the importance of paying her bills on time but only because she almost faced eviction for failing to pay rent on time.
  • [14:41] 9 years after starting City Girl Savings, most of what Raya learns is through financial experiences compared to financial education.

Rate, Review, & Follow:

Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show!

This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life!

To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode!

Also, please make sure you’re subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!

Resources mentioned in this episode:

Listen to Episode 1 – Big City Spender to City Girl Saver

Learn about Raya’s Financial Focus Coaching Program

Follow City Girl Savings on Instagram, YouTube, and TikTok

Join the City Girl Savings Facebook Group

Subscribe to the City Girl Savings Newsletter!

Watch on YouTube!



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