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Happy Birthday Your Money Your Life! A Year In Reflection – Ep. 56

AAh! We officially are 1 year old! Today I’m pulling back the curtain on this year of the podcast – the business behind the scenes, the personal roller coasters, victories, and defeats! Let’s do this!

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Money Roadmap & Black Friday Waitlist:

Q&A Day – Get Your Questions Answered – Text Question to 817-969-4653

Podcast Keypoints:

0:00 – Episode Overview
5:44 – Natalie’s Birth
7:14 – Handling Hospital Bills With No Insurance
10:22 – 2 Week Old Newborn & Appliance Breaks
12:02 – Grace
13:00 – Moving Forward On The Your Money Your Life podcast

Frustrated that you aren’t making the progress that you should within your finances? Create an unshakable money mindset with the Money Mindset Mastery Checklist

Read: Celebrating One Year of Your Money Your Life Podcast

The Money Roadmap

This episode of the Your Money Your Life podcast is brought to you by the Money Roadmap.

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Even if all of this feels out of your control, even if you feel overwhelmed with trying to make this work. And even if you feel like you’re doing all the right things already, and it’s just not working. 

I’m hosting the biggest sale we’ve ever had for Black Friday. This roadmap is just what you need to be prepared for the sale without having to stand in line at the store to grab your deal. You’re going to be ready to save big when this sale goes live on Monday.

All you need to do is go to Download the roadmap If you have any questions, come join me on Instagram this week @aimeecerka. I want to be helping you navigate which choice is right for you all week long. 

Your money your life is officially one year old. So today I’m going to pull back the curtain on this year of the podcast. The business behind the scenes the personal roller coasters victories defeats all the things. 

Welcome to the Your Money Your Life Podcast

Welcome to the Your Money Your Life podcast. I’m your host Aimee Cerka. 

After over 10 years in the personal finance industry and multiple personal financial and medical crisis I was fed up with the lies or being shouted from the rooftops by the Gurus and the media. Now I help you the ambitious woman step into unstoppable finances. 

When you step into unstoppable finances you create financial abundance that aligns with your personal values and goals. Without working 80 hours plus work weeks without pinching pennies, without worrying how you’ll handle the next curveball life throws your way. 

Being married having four kids at home homeschooling being a CEO running the household, I’m kind of busy, and I know that you are too so here we get straight to the point. 

If you’re ready to eliminate fear stress, struggle, frustration and guilt from your finances and all the areas they affect you’re in the right place. Welcome, I’m so glad you’re here.

Welcome back to the Your Money Your Life podcast. I’m your host Aimee Cerka. 

Reflecting on a Year of Growth

We are officially celebrating the Your Money Your Life podcast, being 1 year old talking today about really kind of reflection on this year, lessons that I’ve learned, things that I want to make sure that I point out because I think they’ll be beneficial to you. 

First off, I just love, love, love having the podcast. 

If you are in my world before the podcast was born, I used to do a video show called Money Mastery with Amy every single week. We had that for about a year before we launched the podcast. And I’ve really enjoyed having the podcast. 

So many great nuggets, and great feedback. Honestly, I wasn’t even a huge podcast listener until about six months before launching the show. Which is kind of ironic, right? But definitely making sure that Your Money Your Life is here to stay because I love having it and the feedback that I’ve gotten from y’all is that you love it as well. 

Money Masters Inner Circle Academy

We relaunched Money Masters Inner Circle, it is now Money Masters Inner Circle Academy that was kind of like a crazy experience. It was one of those things like we realized this needed or I realized this needed to be done this needed to happen to almost put a little more structure to it, it’s kind of give you the path. There was a lot of competitiveness that I was teaching inside when it was struggling just the membership model. 

It wasn’t serving everybody in the best way that it could. So that’s definitely a more streamlined direct process. 

Now I take you through the exact path that you need to and able to do more coaching and support. We’ve had more mindset breakthroughs since relaunching the Academy, which is been pretty friggin exciting.

Money Masters Inner Circle Academy now is a 12-month group coaching guided experience like the best of both worlds because I do not take on a lot of private clients. So you can work with me inside the Academy. We can really work closely together, almost like a no brainer pricing and that’s where I want to keep things. 

We relaunched the academy and very excited about that. Part of that was aligning my business and my life to work for where things are at. If you don’t know we had a baby in September, and we’ll talk about that in a second. 

Adapting to Life’s Changes

But there were things that I had to shift things I had to prioritize. 

I have four children, I work from home. We homeschool and being able to shift things and prioritize things and manage my time more effectively which we do talk about inside the academy. 

I give you my whole mastering time management and productivity LIKE A BOSS course inside there as a module I’ve added for you. Making things priorities and even I feel like I’ve talked about this several times, opening the door to the possibility if there’s something that you want to happen. 

I’ve done this with Forest school for the kids and now I’m a leader at Forest school, attending Bible study and having that church to plug into. It starts with opening the door to the possibility if you believe that something won’t happen, it’s not possible for you. The near right, like it’s not going to change. 

You just have to start with a question like, how can I make this happen? And that’s even a lot of the work that we do on q&a calls. It’s like helping people establish — What would they like to happen? What are they looking for? And then how can you make that happen? 

It’s not about like putting pressure on yourself. It’s about opening your idea to the possibility, and then just seeing what shows up because stuff does show up, and it can happen. 

Natalie’s birth was an experience. I mean, every birth is an experience, right? But we had planned a home birth cash paid for home birth. 

At 42 weeks, she had not made her arrival yet and I normally go late. So it wasn’t like a surprise. But that was the latest that I have gone with any of my pregnancies

“And I guess I’ll put a quote notice disclaimer here if there was some trouble with the birth, so if you need to skip over this part, skip over this part.”

We ended up transferring to the hospital to have a hospital birth instead. Baby looks fine, but my amniotic fluid level was getting a little low. So it was like, Okay, it’s time to have a baby ended up having an emergency C-section, she was fine. 

While we were laboring, we broke my water. Three hours later, her heart rate de salt in the middle of the contraction. And I was rushed back for an emergency C-section, under general anesthesia. 

My husband was not able to be in there and there were also complications with myself during that process. 

We don’t have insurance. So we’re cash paying and billed for all of that. It wasn’t until I was talking with a coaching client later that I realized what a big deal it is that I’m not worried about it. 

We’ve already gotten the bills in the mail sorted and taken care of it. 

I know how to do this been there done that. I’m working on putting together for the Academy because we’ve gone through several medical crises already. Like I know how to work with the hospital’s set up the payment plans, what we have to do, what we don’t have to do, what a scare tactic was not a scare tactic, what resources are available? 

We’re taking care of it and honestly, it’s not as expensive as people would think. Because they give you a discount when you’re cash paying versus what the insurance is paying. 

The last bill that I got was last week, I think it was the discount they gave me for being a self-pay person is 50% because prices are so inflated like what they can literally do? And that’s before you do anything else. That’s just the initial bill that they send you is 50% off. 

It’s also one of those things that hopefully by now you know that I don’t preach, get out of debt, you got to be debt free, you got to be debt free

So for me the fact that we have more debt, it is what it is, we’re still going yes, our net worth took a hit. And that kind of sucks, but we’re making up for it. 

We’re still going to win, we’re still moving forward. It’s not a big deal because we are unsolvable in our finances. That’s the whole goal, right?

Top it off, of course, our fridge went out shoes, what two weeks old? I think we had gotten home like two weeks old, we had a fridge go out. 

So when you have a C-section, like in general, you can’t lift well. A lot of people, a lot of providers will say even after you have like a baby in general, you’re not supposed to lift things because of the womb that you have from the placenta and all those things. 

But that’s the same, it’s definitely the case when you have a C-section and when you have complications during your C-section, right? So we get afraid to go out, which was crazy, trying to move stuff around here only with things. 

Thankfully, I have kids and I’ve had help. And that was great! 

The reason I want to mention this portion is things don’t always show up the way that we’re expecting them to. Oftentimes, we’ll set a goal and we’re like, I want to see $2,000 raise at work or $2,000 come in through the business like we get set on that. 

But then we like to put blinders on and we missed things that come in from other ways. You know how many gift cards we received. It’s still a monetary blessing because we can still use that and things that we were given, like tangible gifts, fridge, gift cards and things that were given because people want to give to us. 

Grace and Celebrating Victories

If I had been set on how I was expecting things to show up, I would have missed it

And if you know Natalie’s middle name is Grace. I wanted and pick that out because I feel the last year before the podcast launched, there was a lot of learning and accepting to have grace with myself. I feel like I really focused on embracing that over the last year, as well. 

That’s been so crucial throughout the podcast and gigs, you know, things don’t always happen the way that we expect them to. So learning to ride those waves and not spending the time beating yourself up having grace

That’s why I tell clients to write down the five things that they’re celebrating each and every day and finding those victories to celebrate, instead of focusing on what we don’t accomplish and learning to have that grace with ourselves. 

Engage with Me on Instagram

That’s really the key things that I wanted to touch on today on our anniversary episode. But I want to hear from you, so I want to know what you want to hear more of. If you are not getting text messages for me, I’m going to offer q&a days I used to do an Ask Me Anything on Thursdays on Instagram

We’re gonna do that on text, my personal number 817-969-4653. If you send me the word “question”, I’ll make sure that you get signed that we’re going to do regular q&a days. I haven’t decided how frequently yet, but it’ll be at least once a month you can ask me a question. I will text back and forth and get you the answer and get you moving forward into momentum. 

Black Friday Specials

Then, of course, Black Friday is coming up. I’ve got special offers coming in new programs being released really cool deals. So if you’re not already on the waitlist, make sure to go to

I’m having a lot of fun creating this roadmap. So you can help figure out where you need to be and what you’re missing to move forward. So I think it’s going to be exciting. 

Stay Connected and Support the Podcast

I want to hear from you. What do you want to hear more of, what would be helpful for you just making things a no brainer. 

I want to know what kind of questions you have. What kind of things are you looking for? That would just make the podcast next level for you so that you can create those unstoppable finances that you’re looking for. So that is it for now, until next week. We’ll see you then.

Thank you so much for listening to the Your Money Your Life podcast. My favorite place to hang out is on Instagram, you can find me @aimeecerka. Send me a message or post a screenshot and then tag me! I love hearing from podcast listeners. 

Your Unique Financial Journey

After all, your finances are unique and your support should be too. Ultimately, we’ll create a customized plan to ditch financial struggle for good that works for you. Your goals, your priorities, your life. 

Go to to get started with one of our most popular programs. Or you can book a q&a call with me and we’ll figure out what your next step should be.

If you love today’s episode, make sure to subscribe wherever you like to listen to podcasts. That way you will receive new episodes right when they are released, then leave a rating and review. It helps amazing people just like you find the show faster. We’ll see you next week!

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Aimee Cerka
Aimee Cerka

The Money Confidence Coach - She helps motivated women, like you create the happiness, family life, financial security, and long-term wealth they deserve. Create unstoppable finances so that when the next curveball is thrown your way... You're prepared. Click Here to Learn More

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