AAR18 - Having a Budgeting Breakthrough with Kathy Tomes

AAR18 - Having a Budgeting Breakthrough with Kathy Tomes

Author: By Andrew Sather, Stephen Morris, and Evan Raidt | Stock Market Guide to Buying Stocks October 7, 2025 Duration: 45:21
The Investing for Beginners Podcast - Your Path to Financial Freedom
BusinessInvesting
You can find Evan's custom spreadsheet by going to ⁠http://Einvestingforbeginners.com/homebuying On this episode of 'At Any Rate,' host Evan Raidt welcomes Kathy Tomes, creator and host of 'Budgeting Breakthrough.' They discuss making sustainable financial changes, Kathy’s personal financial awakenings, and the development of her Budgeting Breakthrough system. Key topics include the importance of financial planning, emotional aspects of money management, the power of automation, and tips for maintaining financial discipline. Kathy also shares insights into using her budgeting tool for achieving various financial goals and why investing in financial tools can outweigh their costs. The episode emphasizes the concept of financial freedom through consistent and mindful financial habits. 00:00 Welcome and Introduction 00:06 Meet Kathy Tomes: Budgeting Expert 00:41 Kathy's Financial Awakening 03:03 The Birth of Budget Breakthrough 04:41 Automation and Financial Beliefs 05:47 Prioritizing Financial Freedom 10:06 Sustainable Financial Changes 12:04 The Origin of Budget Breakthrough 17:30 Using Budget Breakthrough for Various Goals 19:13 Client's Retirement Lifestyle Shift 20:27 Personal Financial Rituals 21:10 Vision Budgeting and Manifesting 24:40 Budgeting Tools and Techniques 30:57 Credit Card Management Strategies 34:22 Investing in Financial Tools 37:23 Conclusion and Resources Timestamps are generated by artificial intelligence, and are not 100% accurate depending on the platform used for listening. Unlock the habits and tools for real financial transformation—start your today with Kathy at budgetbreakthrough.com! Today’s show is sponsored by: Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SHOPIFY.COM/beginners⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to start selling with Shopify today. Squeeze the most out of your Summer with Liquid I.V. Tear. Pour. Live More. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LIQUID-IV DOT COM⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and get 20% off your first order with code INVESTING at checkout. Leesa has a lineup of beautifully crafted mattresses tailored to how you sleep – without the luxury price tag. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leesa.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, promo code INVESTING for 25% off mattresses PLUS an extra $50 off. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Go to ⁠⁠⁠⁠tesbros.com⁠⁠⁠⁠ and use code POD15 for 15% off your first order. For our EXCLUSIVE GIVEAWAY, and your chance to win a DIY PPF Full Body Wrap kit tailored to your ride, simply go to this link: ⁠⁠⁠https://station.page/tesbros/contest/theinvestingfor⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Have questions? Send them to Evan at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠evan@einvestingforbeginners.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices

Navigating the stock market can feel like deciphering a foreign language, but it doesn't have to. The Investing for Beginners Podcast-Your Path to Financial Freedom, hosted by Andrew Sather, Stephen Morris, and Evan Raidt, exists to translate that complexity into clear, actionable understanding. This isn't about get-rich-quick schemes; it's a practical guide built on foundational principles. Each episode breaks down how successful, long-term strategies actually work, focusing on core approaches like value investing and dividend growth investing. You'll also hear how elements of growth investing and trend following can fit into a thoughtful plan. The hosts delve into the psychological side of the market, discussing how to recognize and potentially benefit from the emotional swings that drive prices, rather than being driven by them. Tuning into this podcast provides a structured education in buying stocks with confidence, moving from uncertainty to a place where you can make your own informed decisions. It’s a steady resource for anyone building their financial literacy from the ground up, aiming to turn the intimidating world of investing into a manageable part of their journey toward greater independence.
Author: Language: English Episodes: 100

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The Investing for Beginners Podcast - Your Path to Financial Freedom
Podcast Episodes
AAR23 - How to Get the Best Deal on a House [not-audio_url] [/not-audio_url]

Duration: 44:23
You can find Evan’s home buying calculator at einvestingforbeginners.com/home. In this episode, Evan Raidt is joined by Andrew Sather to answer a listener’s question about how Evan was able to secure a 4% mortgage rate i…
Stock Market Nerd’s Guide to Investing [not-audio_url] [/not-audio_url]

Duration: 1:01:29
In this episode of the Investing for Beginners Podcast, Brad Freeman from Stock Market Nerd joins the discussion to provide his insights on various investment strategies and the importance of understanding financial stat…
Some of the Biggest "Lightbulb Moments" of Our Investing Journey [not-audio_url] [/not-audio_url]

Duration: 41:05
In this episode of the pod, Andrew and Dave discuss pivotal 'light bulb moments' from their investment journeys. They explore essential insights including company growth's impact on valuation, the importance of understan…
AAR22 - Renting vs. Owning: No Easy Answer [not-audio_url] [/not-audio_url]

Duration: 48:09
You can find Evan’s home buying calculator at einvestingforbeginners.com/home. In this episode, Evan Raidt and Dave Ahern tackle the classic debate of renting vs. owning a home. They break down the numbers behind home af…
Financials Demystified: Understanding Current Assets for Beginners [not-audio_url] [/not-audio_url]

Duration: 41:08
Welcome to the Investing for Beginners podcast! In this episode of 'Financials Demystified,' we dive into the world of current assets, focusing primarily on current assets and their importance in investment strategies. L…
Investing in Yourself: Skills, Mindsets, and Tools for Stock Pickers [not-audio_url] [/not-audio_url]

Duration: 48:37
In this episode, Andrew and Dave dive into the crucial yet often overlooked investment of self-improvement. The discussion covers various topics, including the significant ROI of investing in your own skills, the importa…
AAR21 - 5 Ratios to Understand Your Financial Situation [not-audio_url] [/not-audio_url]

Duration: 51:23
You can find Evan's custom home buying spreadsheet by going to ⁠⁠⁠⁠http://Einvestingforbeginners.com/homebuying In this episode, Evan Raidt and returning guest Dave Ahern dive deep into essential financial ratios crucial…
The Truth Behind the Most Famous Slogans on Wall Street [not-audio_url] [/not-audio_url]

Duration: 41:11
In this episode of the podcast, Andrew and Dave dive into the truth behind some of Wall Street's most famous slogans. They discuss the deeper meanings and practical implications of slogans like 'Greed is good,' 'Buy low,…
AAR20 - New Job? How to Handle Finances During a Job Change [not-audio_url] [/not-audio_url]

Duration: 37:56
You can find Evan's custom home buying spreadsheet by going to ⁠⁠⁠http://Einvestingforbeginners.com/homebuying In this episode, host Evan Raidt is joined by Andrew Sather to offer practical advice on managing finances du…

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