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Eduek Brooks is the founder of Two Sides of a Dime, which is a financial literacy platform focusing on making personal finance easy to digest and seamless to implement. I met Eduek in the Trauma of Money program and hired her to help me with my own personal finance journey. I love the way she combines practical advice and tools with the psychology behind money habits. Eduek has had an incredible impact on my relationship with money and I am so excited to introduce her to you today!\nIn this conversation, we talk about the ways that our financial systems here in North America are designed to encourage and incentivize us to acquire more debt. Eduek shares her own journey with debt and some of the ways she was able to pay off $47,000 in 20 months! She also gives some insights into patterns that may stem from childhood, and how awareness is the key to intentional spending. Follow her on Instagram @twosidesofadime to learn more about the resources she has to offer.\n\xa0\nConnect with Eduek\nEduek is an Engineer, Financial Educator, Trauma of Money Certified Coach and Founder of Two Sides of a Dime, a Financial Literacy platform dedicated to making personal finance easy to digest and seamless to implement.\n\xa0\nEduek is passionate about equipping women with the tools they need to achieve financial freedom and build long-lasting wealth without giving up on the things they enjoy.\n\xa0\nInstagram: www.instagram.com/twosidesofadime/\nWebsite: https://www.stackmydime.com/\n\nSpirit School Links\nThe Initiation Spring 2023 (Register until May 18!): https://www.squamishmedium.com/mediumship-foundations\nThe Initiation 2.0: Advancing Mediumship Development: https://www.squamishmedium.com/mediumship-advancement\nSpirit School Collective: https://www.squamishmedium.com/spiritschoolcollective\nJoin us on the FREE Spirit School platform: https://myspiritschoolcollective.com/plans/\nVisit Spirit School at https://www.squamishmedium.com/ for all courses and upcoming programs\nView full transcripts of podcast episodes at https://www.squamishmedium.com/blog\n\xa0\nIn this episode:\nEduek\u2019s journey began with paying off $47000 of personal debt as an immigrant to Canada\nIt was difficult to find consistent information about credit that applied to Canadian finances\nEduek is passionate about making this information easy to understand and implement\nHer financial philosophy is to balance security with enjoying your life\nShe always wanted to be a teacher but knew it didn\u2019t pay well so she chose engineering\nTeaching is one of Eduek\u2019s strongest gifts and people have always asked her for help\nClients say that their financial advisors haven\u2019t broken things down as well as her\nEduek leveraged her engineering background and love for teaching and financial literacy\nIn Nigeria, the culture was that people worked to build their homes and it took time to save cash\nComing here, the culture of incurring debt instantly for cars and houses was surprising\nAll of her personal debt came from being here in Canada\nOther countries don\u2019t use credit as much and loans are based on income\nThe finance industry is the strongest industry in Canada and we\u2019re incentivized to borrow\nCredit cards give a false sense of security and small purchases over budget add up\nWe get used to using our credit card as part of our income\nThe system makes it so easy for you to have access to money, and live above your means\nYou make irrational decisions with money when you\u2019re stressed out about debt\nWe cannot fathom not getting the things we want because of instant gratification\nStores make money off of their credit cards and financing\nGrowing up, Eduek had what was needed and what there was money for\nPeople want more than they grew up with, but before they can afford it\nWe either mirror what our parents did or do the opposite\nAfter not being able to use cash in the pandemic, we started using credit cards again\nCustomers also now pay for credit card processing fees instead of the store\nWe don\u2019t question what we\u2019re cha