How to Avoid Lifestyle Creep and Make Smart Money Choices During Uncertain Times
Tuesday, May 27, 2025
How to Avoid Lifestyle Creep and Make Smart Money Choices During Uncertain Times
This episode originally aired in 2023, but it’s just as relevant—if not more—today. As part of our What to Do During Times of Uncertainty series, we’re revisiting this powerful conversation between CERTIFIED FINANCIAL PLANNER™ professionals Lauryn Williams and Chloé Moore.
In a world full of uncertainty, flashy financial advice, and constant lifestyle upgrades, it’s easy to lose sight of the long-term costs of the choices we make. Whether you’re tempted by a YOLO trip, a new car, or you're navigating a job change, this episode helps you weigh the true impact of your decisions—both financially and emotionally.
You’ll walk away from this conversation with a stronger understanding of how to align your spending with your values and how to avoid the common pitfalls that can quietly sabotage your financial progress.
In this episode, we discuss:
- The opportunity costs behind your everyday decisions
- How to fight lifestyle creep so you can save more with each raise
- Why it’s never too early to start saving for retirement (and the power of compound interest)
- The hidden costs of DIY-ing your financial plan
- How a financial planner can help you save money and optimize your decisions
- Why planning ahead now can help you reshape your next chapter after a layoff or career change
- What to consider as you think through big purchases or major life decisions
Even in uncertain times, you are in control of your choices—and the future you build starts with the ones you make today.
Links & Resources Mentioned
- Download Lauryn’s Free Financial Resource: 5 Must-Ask Questions Before Hiring a Financial Planner
About Lauryn Williams
Lauryn Williams is a Certified Financial Planner, Olympian, and financial educator passionate about helping people take control of their finances. Lauryn also hosts the Welcome to Wealth Retreats, designed to help individuals create actionable financial plans while traveling and experiencing new cultures. Learn more about her speaking services and retreats here.
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Connect with Lauryn on LinkedIn: linkedin.com/in/lauryn-williams
Hi, I'm Lauryn
Certified Financial Planner
Welcome to the Worth Listening podcast and blog where we focus on having positive and productive conversations about money.
Interested in being a guest on our show? Email us today at podcast@worth-listening.com. We'd love to hear from you!
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