The Sugar Daddy Podcast

118: Start 2026 Broke or Building? 5 Must-Do Money Moves

• The Sugar Daddy Podcast • Season 5 • Episode 118

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Start the new year off right with a clear, actionable financial plan. In this episode, Jessica and Brandon walk you through five key money moves to make in January, from setting financial goals and reviewing your budget to building a debt payoff strategy and automating your savings.

Whether you're managing money solo or with a partner, this episode is packed with practical advice to help you take control of your finances and build wealth in 2026.

What You'll Learn:

  • How to set measurable, achievable financial goals
  • Strategies for reviewing and improving your budget
  • The difference between debt snowball and avalanche methods
  • Why automating your savings boosts success
  • How to finally take action and get financial help

Resources Mentioned:

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Money, relationships, and the mindset to master both. Hosted by financial advisor Brandon and his wife Jessica, The Sugar Daddy Podcast breaks down how to build wealth, unpack old money beliefs, and have real conversations about love and finances. Their mission? To help couples and individuals grow rich in every sense of the word: emotionally, relationally and fina...

Jessica:

Happy New Year, everyone. Thanks for joining us. In today's episode, we are going to talk about five things you can do to start the new year off right. We are going to talk about setting financial goals, reviewing your budget, creating a debt payoff plan if that's something you need to do, automating your savings, and taking action. So if you are ready to be in a better place financially, then this episode is for you.

Intro:

Sugar teddy podcast go. Learn how to make them pockets grow. Financial freedoms where we go. Smart investments, money flow.

Brandon:

Hey babe. What are we talking about today?

Jessica:

Happy New Year. We're talking about how to kick off your new year with intentionality and with a plan. Are you excited? How are you feeling?

Brandon:

I feel good.

Jessica:

Yeah?

Brandon:

I do feel good. The idea of this today's episode is to make sure that you're starting the year off on the right foot because we all know that the new year is a time to start anew.

Jessica:

The new year is a time to start anew. Wow, guys.

Brandon:

I'm full of, you know, profound thoughts. It's my new year thing.

Jessica:

Wow. We're going to have to do that.

Brandon:

More of that to come. More of that to come.

Jessica:

Please know. All right. Well, let's get into it. We want to make sure that we are valuing people's time and really sharing great episodes where you can walk away feeling empowered, ready to take action, and take steps to improve your financial goals. Aside from today's episode, we also have some amazing guests coming on the show. So make sure if you have not yet hit that subscribe button that you do that because we are dropping episodes every Wednesday. And you don't want to miss out. I mean, everything from a student loan attorney to entrepreneurs, stay-at-home moms, maximizing their budget. Um, I mean, we've got so many guest recordings that we're so excited to share with you. You just don't want to miss them. So hit subscribe, stay tuned, and make sure you're also subscribed to our newsletter because we have revamped that. We've been working tirelessly around the clock to make sure that things that are hitting your inbox are of value. And again, takeaways, links, partnerships, all sorts of great content there for you as well.

Brandon:

You said it all.

Jessica:

Okay. Well, let's get into today's episode then. How to start the new year off right? We're going to give you five action steps. So what's the first one, babe?

Brandon:

First one is to set financial goals. I mean, everything that starts with intentionality is determining what it is you actually want to accomplish. And we've said it time and time again that unfortunately a lot of people don't actually think through what their specific goals are. They tend to have maybe more generic goals, and they also don't talk about them out loud. And more specifically, they don't talk about them with their partner if you have one.

Jessica:

That's gonna be a whole nother episode because we are working on something really exciting for couples to have conversations with their partners about money. But everything you just said is great. However, I think there's a reflection component, right, that we need.

Brandon:

Well, there is a reflection component. So, you know, you do obviously need to think about, you know, some of the things that have happened in the previous year. But the idea is that new year starting. So you want to sit down and say, hey, what do I want to accomplish in the new year coming up? And you need to be specific and you also need to have measurable goals. Like I said, most people tend to have maybe generic goals, and they aren't necessarily going to be the ones that move the needle when it comes to how you want to live your life. So having those conversations out loud and really talking through it, because I know for me personally, and I would say just as well, is that sometimes you may have an idea of a goal and talking out loud and talking through it helps you have a more clearly defined goal at the end of the conversation.

Jessica:

Yeah. I mean, definitely talking about it with your partner because having that alignment, especially if your finances are combined, which if you're in the same household, even if your accounts aren't combined, there's an element of combining the finances. So you definitely want to be on the same page. Are you trying to reduce debt, increase your savings, start investing, you know, plan for that house, that baby, whatever it might be, you know, are you on the same page? I think too, writing them down or saying them out loud, you know, I think I don't know the statistic right off the top of my head, but I do know that the research has shown that when you talk about your goals out loud, that you are more likely to achieve them. So as you're going out for brunch and lunch and dinner and meeting up with friends, that's a great opportunity to let your friends know what you're working on because it's a way for them to not only be aware, but also to help support you. You know, if you're saying I want to pay off debt or I want to increase my savings, then they know maybe I don't need to be asking you to go out, you know, every other day to spend money. Maybe we can come up with ways to spend time together that's meaningful without spending additional money. So you want people to also know your goals so that they can help you achieve them.

Brandon:

I mean, that also leads into the whole one of the purposes of this podcast is to have more open conversations about money. And that includes your goals. I mean, I feel as though that if you want to deepen their friendships and the relationships that you have in your life, talk about your goals. I mean, you know, having a shared, I mean, you guys might even have shared goals when you start talking about it and you have new accountability partners.

Jessica:

Yeah, absolutely. So really setting those goals, getting clear on what it is that you're trying to accomplish. And, you know, don't let this be an overwhelming part. Let it be something exciting. Maybe you won't be able to do everything this year, right? It's only 365 days. However, what are the most important things? If you don't have an emergency fund to start off the year, that's something we would definitely recommend you focus on, you know, putting aside X amount of dollars from every paycheck to make sure that you are getting that emergency fund up.

Brandon:

If you, you know, didn't like I say keep the list concise.

Jessica:

Yeah.

Brandon:

I think too often people start to put too many things on their plate, and then a few months in they feel overwhelmed and then they just let everything go. So maybe keep this list initially three to five items for the entire year. I mean, the idea is to be focused and make sure you get them done. And, you know, if you're able to handle those five things this year, maybe you could add a few more to your list the following year. But the idea here is that you want to set goals that are actionable and that you can actually accomplish.

Jessica:

Yeah, absolutely. All right, let's move on to the really big thing, which most of us need to consistently do month over month, week over week, is review your budget.

Brandon:

Yeah. So I always have to start out with the positive. What did you do that was positive? You know, what did you do right in that year when it comes to your budget? I mean, you could obviously once you review some of the things that you're doing right, you want to continue doing those things correctly. Continue doing those things in the new year. Words once again are eluding me. But also we do want to look at what do we need to improve upon? What are some of the things that you set out to do and maybe you didn't accomplish when it comes to your budget?

Jessica:

And why?

Brandon:

And why, yes. The key is the why.

Jessica:

The why.

Brandon:

What hindered you from accomplishing those things when it comes to your budget? And then working on fixing that moving forward. Now, obviously, there is some reflection here, and I don't want you to dwell on the negatives because the reality is that it happened, you can't change it, but you can learn from it and apply what you've learned moving forward so that it doesn't happen again.

Jessica:

I think this is a good opportunity to talk about how you want to budget, because there are people who are going to put a line item for everything, right? They're gonna put a line item for gas, for groceries, for iced coffee, all those things. Um, and then there's people who are gonna say, I'm going to save, I'm gonna invest, I'm gonna save my money, um, pay my bills, and then anything else that's left is left. And so there's other ways to do it. You can track everything, you know, using software or an app, or if you are a paper to pen person and that helps you, then that's a great thing to do as well. But typically what we hear is, I don't know where my money goes. And we've we've felt that way as well. You look up at the end of the month and you're like, where did all my money go? Um, and if you're doing like a zero-based budget where you do what we do, which is you pay your bills, you save and invest, and then whatever's left is left. You know, maybe you aren't tracking and you're like, whoa, this was a really big Amazon month or whatever it might be. But decide how you want to actually track your budget. And we've been honest on this podcast, and we even talked about how in one of our most recent money meetings, we sat down and it was the iced coffee, it was getting a little out of control. And so we pushed back and and pulled back and said, all right, this is our budget for iced coffee. This is our budget for eating out. Here's the money that, you know, quote unquote, I get to spend when I go out with friends. And so it just puts boundaries and parameters on the things that we value. And then we pull back in other areas where, you know, we didn't find value. Um so think about how you want to budget, but most importantly, how are you going to track it? Because if you can't see in black and white where your money is going, you don't have a budget and you don't know.

Brandon:

I also want you to have a mind shift because I think when most people hear the word budget, they think of restrictions.

Jessica:

Right.

Brandon:

And that's not what we're focused on. We're focused on using our money with intentionality as far as focusing on where our money is going and is it going towards enriching our lives? Because I think often we get too caught up in just spending money on things that, in all honesty, if you just stopped and thought about it, you don't necessarily need and it really isn't adding to your life. So don't think about budgeting as restriction. Think about it as really focusing on knowing where your money is going so that you can create a plan for where you want to be in the future.

Jessica:

Yeah. And I've actually, one thing that I've seen online several times and I just started kind of implementing is I put things in my cart and I just leave them there for a day or two. And you give it 48 hours and then you decide, do I really need this? Do the kids really need this? What am I going to use it for? How long is this going to last? And, you know, I'm not talking about the laundry detergent and the kids' vitamins, but, you know, that extra sweater or that cute pair of shoes that was on sale, you know, is this something that was already on your list, or is it something that you're buying because it was on sale? You know, we just kind of came off of that Black Friday, Gray Thursday, Cyber Monday.

Brandon:

I mean, like Gray Thursday, is that a thing?

Jessica:

Yes, it's a thing. I mean, it's, you know, it's all the excuses to shop. And so why are we buying things? Are we buying things just because it's there and it's on sale, or is it because we actually wanted it? And I know for us, one of the things that we're being very intentional about is our travel, right? We spend most of our money on travel. We've got a big trip coming up. We're already planning on going out of the country again for Christmas. We don't have any plans yet for our summer beach trip. We need to do that, you know. But what we really value is travel together, travel with our children. Um, and so that's where the bulk of our money goes. But again, intentionality.

Brandon:

And that ties into, you know, when you're reviewing your budget, that you are taking into account the goals that you want to accomplish for incorporating that into your new budget. You know, any major expenses you may be having. So, for example, like we were talking about some of the trips that we're taking, we're booting that into our budget for the year. So that's the idea of doing the review.

Jessica:

Absolutely. All right. Moving on from budgeting, um, most of us, in some capacity, need to also look at our debts. So, you know, for anybody new that's listening, we are not debt-free. Um, that's not something we've ever claimed. It's also not something that is a goal of ours. We have a mortgage, we don't plan on paying it off, we have a car payment. Um, and, you know, we're talking about those consumer debts. We're talking about, you know, getting our student loans down, things like that, personal loans.

Brandon:

More specifically, you know, if you have credit card debt.

Jessica:

Right. So if you do have debt and it's been weighing on you, um, not only is that something that you could work with Brandon on developing a plan and a payoff, you know, a payoff plan for, but it's something that you need to look at. So it's a great time at the start of the year to look at all of your debts, write them out. Where are they? What are the amounts? And then what are the interest rates? And there's a couple of schools of thought about how to pay off debt. Um, some people will say, write out all of your debts, the amounts, and then the interest rates, and start with the highest interest rate first. Um, but there's other people who want those small wins along the way. So maybe you pay off a credit card that has a smaller balance with a smaller interest rate, but you get that endorphin boost because you've paid it off much quicker. And then you roll that payment that you were making onto the smaller card into the larger cards.

Brandon:

Yeah, that's the difference between the two strategies known as like the avalanche versus the snowball. Where with the avalanche, you're focusing on the Avalanche? Avalanche.

Jessica:

There we go.

Brandon:

That's what I said. But with Avalanche, you have you're focusing on paying off the debt that has the highest interest rate first. So you're obviously paying the minimums on all the debts that you have, but then any excess money that you have after you reviewed your budget would be going towards your high interest, the card or you know, whatever debt has the highest interest. As compared to with the snowball method, is that any extra money that you have to put towards debt payments, now you're going to put that towards your lowest balance instead of the one with the highest interest rate. And the idea behind that, like she said, is some people need to get those small wins in order to continue on.

Jessica:

It's a mental shift.

Brandon:

Yeah. And there's no wrong or right way. Now, mathematically, paying the higher interest, putting the additional money towards that one would make more sense mathematically. But as you know here, we're not all about just the math because everyone has an emotional attachment to their money. But the idea is that you discuss a payoff strategy and you implement it, whatever it may be.

Jessica:

Right. And you know what's really nice is if you're looking at your credit card statements, which you should be doing on a monthly basis, even if you're paying off your cards every month, even if you have things automated, you should still be looking at your statements just to make sure everything's correct, that all of the charges are actually your charges. Um, but what's really nice is that most of the statements now will actually give you almost like a schedule of if it takes you this long, you know, this is how much you're actually gonna pay on this bill. It'll also tell you how much extra you're gonna be spending, you know, in interest payments. And so that could be pretty motivating to look at because obviously the higher the interest rate, the longer it's gonna take you to pay it off, and the more you're gonna pay in interest if you're only making those minimum payments. So that's something to take a look at. They've done the math for you, and you know, we want to get that consumer debt paid off as quickly as possible.

Brandon:

Yeah, I always use a debt calculator with, you know, my clients I'm working with because it shows them, you know, with the current method that they're using and how much they're putting towards that debt, how long it will take for the pay it off. And then say we add an additional $50 a month to that payment and it shows them how much quicker they could take it off, um, pay it off. And a lot of people are really surprised at how much a little bit of money actually goes a long way when it comes to debt payments as far as how quickly, you know, a debt that maybe was going to take you 24 months, you had another $50 a month towards the payment, could end up reducing it by, you know, six or eight months, and you pay it off sooner. Um, we can also definitely link, I can link the one in the show notes that I often use with um clients because it's a really easy one to use.

Jessica:

Perfect. We'll link that in the show notes. Next, we want to talk about going from you know your debt reduction to your savings, because we not only want to have that emergency fund, but we also want to, you know, save for our future selves for retirement. What's your suggestion there?

Brandon:

So first and foremost, you need to look at how much are you currently saving? The idea is to get an I the idea is to figure out what your current savings rate is. How much are you saving on a monthly slash annual basis? And that can include how much is going to you know a high yellow savings account, how much you're putting towards your retirement accounts, whatever it may be, but how much of your income are you saving? Now, once you know that amount, maybe you can look at, hey, can I increase that amount? So let's say hypothetically your savings rate is 10%, which is great. If you're already doing that, pat yourself on the back. But we always want to work towards improvement. So maybe you can do 12%, 13%, and see what that looks like. Now, once you've determined what your savings rate is and what you want it to be, automate it. Automate it, automate it, automate it. Make it much easier for yourself rather than having do all this stuff manually. And it's also been shown statistically that those who automate their savings are much better savers than those who try to do it on a monthly basis manually.

Jessica:

Well, because let's be serious, if you're not automating it, the likelihood is you're gonna pay your bills, you're gonna spend your money, and then you're gonna be like, oop, I need to save, and you're gonna say, Oh, I don't have enough.

Brandon:

And the thing is too, is for those individuals that are maybe working jobs where your monthly income fluctuates and you're a little bit worried about, you know, choosing an amount to automate, automate a lower amount so that it's automatically happening, you know, base it off of your lowest month of what you brought in. Choose that amount and automate that. And then you can always add that additional amount manually on top of that. The idea is that we want to make sure something is going in.

Jessica:

Yeah. And one nice thing that you could also look into, especially if you are working, you know, a corporate nine to five type job, um, a lot of times your payroll will allow you to add additional bank accounts. So you have your direct deposit into your checking, but then you could also, in some cases, you'll have to do your research, but in some cases, you can also automate that a portion of your paycheck goes directly into savings. I know for me, if I don't see it, I don't miss it. So even if it's $25, $50, $100 getting taken out immediately from that paycheck, just like your health insurance and your 401k and your taxes and all the things, if you don't see it, you don't miss it. So get that out of there as quickly as possible and you know, flow it into one of your other accounts. A high yield savings account would be great, by the way. Yes.

Brandon:

If you have not opened up your high yield savings account, please go pause this episode and do that. It literally takes a few minutes. That is it.

Jessica:

Yes. We've made over a thousand dollars last year um in off of one of our savings accounts. And that is, I mean, the definition of free money.

Brandon:

And the thing is too, is in America, people have a hard time saving in comparison to other first world countries. We are, you know, kind of statistically the worst at saving. So it is a habit that you have to work on. And once you've established that good habit of savings, everything else is so much easier. Whenever I meet with a new potential client and I can see they already have that habit of savings, I'm like, thank you, Lord, because this person is gonna be so much easier to work with.

Jessica:

Yeah, because it really is like a muscle that you have to train, you know, to hey, every month or every paycheck or however many times you get paid, X amount of dollars goes here, you know?

Brandon:

And also stress that any amount saved is better than nothing. Yeah. So like you don't if you can't save $100, that's fine. Save $75, save $50, save $25. Save five. I would rather see you saving five than zero. Right. So don't get caught up on the amount being a large number, just save something.

Jessica:

Yeah. Even, I mean, and that goes for investing as well, right? Build the muscle, build the habit of investing ten dollars every month. You know, if you don't have 500, if you don't have a thousand, if you don't have five thousand, that's okay. But because of compound interest, the Time is the most important part, not the amount. So if you're starting with $5 and you're, you know, listening to this and you're in your late teens, early 20s, that's great. You know, start building that muscle. And then as your salary increases, your savings rate can increase and then your investments will continue to go up. Because I know if I was investing the way I do now in my early 20s, you know, I started teaching when I was 22. And yeah, I had the 403B, but I wasn't doing anything with it. I didn't, you know, have the knowledge that I have now. And man, am I kicking myself? Yeah. All right. What is the last thing you want people to do?

Brandon:

Schedule a meeting with me. Or some other financial advisor. I'll settle for that, but I think you should reach out to me first, obviously.

Jessica:

Yeah. I Oh, go ahead.

Brandon:

Oh no, go ahead.

Jessica:

Well, I was gonna say, I think what we've talked about consistently, people are well-intentioned, right? We know if you're listening to this podcast, you are trying to improve something about your finances. You're trying to learn something new, gain a new perspective, do something better, different, faster, more efficient, whatever it is. You're not just listening to us because you like our voices, you're trying to get something out of it. And so with that intentionality, that's great, but that's only one portion, right? You have to take action. If you've listened to us say you should have a high yield savings account and it's been a year and you still have an open one, that is in action. If you've been talking about, oh, well, I think I need to do something with my 401k, but I don't know what, and you still haven't scheduled a meeting with Brandon, that is in action. If you haven't started investing for your retirement, you know, we are not as lucky as our parents. We're we don't have the pensions. We're probably not going to have the social security. We have to be really intentional about what our future is going to look like and we have to plan for our future now. And you know, if you've been listening for a while, we want you to live a great life right now while also planning for the future. And if you don't know how to do that on your own, or you don't have the desire to spend hours and hours learning how to do it, then schedule the free consult with Brandon. Because at this point, if you've been listening and you like what you hear and you've gotten to know Brandon and you're still not, you know, scheduling a call with him, you're j just wasting time.

Brandon:

And the thing is too, is that this might be, you know, an extreme take, but I don't think most people can handle their personal fine personal finances on their own. And that's not due to a lack of ability. It's due to a lack of action. So most people can figure out from an intelligence standpoint what they need to know in some aspect. But consuming information is great, but it's not the end goal. The end goal is the action. And I feel as though most people lack the ability to hold themselves accountable to commit to the actions. And it's not due to them not wanting to improve their life, it's that you have a thousand other things that are right in front of your face that you know take your time away from doing everything else.

Intro:

Right.

Brandon:

So, like I said, it's not a lack of ability, it's a lack of action. And think about how much time you've already wasted saying, I'm gonna do this, I'm gonna do that, I'm gonna do this, I'm gonna get to that, I'm gonna get to that. And it hasn't happened. When you work with me, I can guarantee you the one thing that's gonna happen is action because I'm going to make you do things.

Jessica:

Yeah.

Brandon:

And that's the most important thing is are you doing what you need to do?

Jessica:

Yeah. Well, and too, I mean, we've talked about getting a will, getting a trust, setting up, you know, your beneficiaries, updating your beneficiaries, getting the high yield savings account, opening this kind of account, da-da-da-da-da. If you've heard of us say all of those things and you've thought to yourself, oh, I need to do that. Oh, I'm gonna add that to my list. And now it's 2025 and you're listening to this and you still haven't done it, somebody needs to help you hold your hand.

Brandon:

And the real and the thing is too, is that, you know, I've come to this conclusion over years of being in financial services that I've seen this firsthand. And our friends out there that listen to our podcasts can contest to the attest to this, that they're in my circle of friends. I talk about these things all the time. So, like they're kind of getting some quote unquote free advice by just being around me and hearing me talk about this, and they're still not doing it.

Jessica:

Right.

Brandon:

So it's not a matter of the information because they have the information, it's the action. I mean, I do have one friend out there who knows exactly who he is if he's listening. And this was a couple years ago. I literally was doing this as an experiment for myself. I gave him the plan verbatim of what I would do. Step by step, everything that I would do. And years later, he's still not implemented it.

Jessica:

And think about the money that he's he could have grown, the money that he's wasted, the money that's not being maximized. I mean, it's just sad, you know, that inaction.

Brandon:

And he's still not working with me if he knows who he is.

Jessica:

Does he listen to the podcast?

Brandon:

I don't know. Maybe we'll find out.

Jessica:

Yeah. Well, and another call out, you know, if you have any questions about what Brandon can do, just reach out, slide in our DM, shoot us an email. We've gotten lots of messages about what about this kind of insurance? And I'm like, you know that Brandon can do your life insurance, your disability insurance, he can move all of your old 401ks that you've neglected into an IRA. You know, there are things that he can do that, again, you might be putting off or just are unaware of what he can do.

Brandon:

Here's the if you have a question about anything that revolves around your finances, reach out and ask. If it's not an area that I am well versed in or something that I do, I might know someone that can help you so I can provide you with a referral. But if it's something that I can do, then we can have a conversation to see if it makes sense. I'm not about pushing everyone to work with me because it does have to make sense from both ends. I have to, you know, as it makes sense from my end, like, are you the type of client that I can work with successfully? And on your end, am I the type of advisor that you trust and would be open with so that we can be successful together?

Jessica:

Yeah. So take action, schedule the meeting, ask the questions, get your answers.

Brandon:

And here's one more thing. If I'm not possibly the advisor for you, I do also provide you a list of questions that I would recommend you asking other advisors that you may be interviewing.

Jessica:

Perfect. Yes. And we have episodes on that as well. Red flags and how to DIY your finances. Can you DIY your finances? Go into those files. We've talked about all of these things extensively. Yeah.

Brandon:

I'd love you guys to work with me, but obviously I at the end of the day, I want you to find someone that works for you so that you can be successful.

Jessica:

Yeah. Perfect. All right. Well, I hope your year is off to a great start, and we are here to help in any way we can. We'll talk to you soon. Don't forget, Benjamin Franklin said, an investment in knowledge pays the best interest. You just got paid. Until next time.

Intro:

Sugar Daddy Podcast go. Learn how to make the pockets grow. Finance of freedoms where we go. Smart investments, money flow.

Jessica:

Thanks for listening to today's episode. We are so glad to have you as part of our Sugar Daddy community. If you learned something today, please remember to subscribe, rate, review, and share this episode with your friends, family, and extended network. Don't forget to connect with us on social media at the Sugar Daddy Podcast. You can also email us your questions you want us to answer for our past the sugar segments at thesugardaddypodcast at gmail.com or leave us a voicemail through our Instagram.

Brandon:

Our content is intended to be used and must be used for informational purposes public. It is very important to do your own analysis before making any investment based upon your own personal circumstances. We should take independent financial advice from a license professional in connection with or infinitely research and verify any information you find in our podcast and which you rely upon, whether for the purpose of making an investment decision or otherwise.

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Brandon Norwood

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Jessica Norwood

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