AAR18 - Having a Budgeting Breakthrough with Kathy Tomes

The Investing for Beginners Podcast - Your Path to Financial Freedom

Andrew Sather & Glassbox Media

Business, Investing

4.2 • 1.5K Ratings

🗓️ 7 October 2025

⏱️ 42 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

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 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SUBSCRIBE TO THE SHOW ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tunein Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0	Say hello to the next generation of Zendesk AI agents, built to deliver resolutions for everyone.
0:05.3	Loved by over 10,000 companies, Zendesk AI agents easily deploy in minutes to resolve 30% of interactions instantly.
0:11.9	That's the Zendesk AI effect. Find out more at Zendesst.com. Good, everyone, and welcome back to at any rate.
0:28.3	My name is Evan Ray, and we are here to help you make sustainable financial changes
0:31.7	without breaking a sweat.
0:33.1	And today we actually have an exciting new guest that I know is exactly the perfect kind
0:36.5	of guest to resonate with this audience. Her name is Kathy Tomes. She is the creator and host of the budgeting breakthrough. Good morning, Kathy. How are you doing? Good morning, Evan. I'm good. How are you? I'm doing very well, especially now that we've gotten through those technical difficulties that we had. Yeah, we passed with flying colors. 100%. And it feels like we've already put in plenty of work for this morning. So I think we're all set. Yeah. We passed with flying colors. 100%.
0:54.5	It feels like we've already put in plenty of work for this morning. So I think we're all set. Yes. Yeah. It's going to be easy, smooth sailing from now. Easy. There we go. Positive manifesting. Okay. So the first question I love to ask guests, I think it dives into a lot of interesting concepts, is when would you say
1:12.2	was your financial awakening, when you just came around and quote unquote woke up one day and
1:17.1	said, oh, crap, finance is something I personally need to pay attention to. Let me start learning
1:21.5	about this. Well, I have answered this question in my head a number of times listening to the
1:26.7	podcast, and I think,
1:27.8	oh my gosh, what? That's cheating. How would I answer that? And sadly, I don't have,
1:32.8	everyone always has like one little short answer. And I'm not a short answer person. So I'm going to
1:38.8	make, people say to make a long story short, I make a long story longer. I'm here for it. So I think when my husband and I first
1:49.6	wanted to buy a house, no, before that, I think it was my first job. So right out of college,
1:55.5	I worked in the corporate world, but pretty small businesses.
2:07.8	And I remember, like, the, you know, the company, the corporate investment person coming in,
2:11.8	like wanting us to invest in the 401k that they offered.
2:13.6	And I had a pension there. So they're just giving new employees the spiel.
2:20.9	And that's where I first learned about compounding interest. And I remember him drawing it on a whiteboard behind him. And so I have gone
2:28.5	through four years of high school. I was a pretty good student. I'd gone through four years of
	...

Please login to see the full transcript.

Previous episode | Next episode

Disclaimer: The podcast and artwork embedded on this page are from Andrew Sather & Glassbox Media, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Andrew Sather & Glassbox Media and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.