Surplus Stack

#004 - Eduek breaks down the simple money routine that helped her pay off $47,000 of debt, invest $30,000, and build a fully funded emergency fund in under three years. The key is not doing the most, it’s building an efficient money system once, then maintaining it with a routine that can take as little as five minutes.   Key Takeaways Why a consistent money routine is a non-negotiable in 2026 How to build your money system one time (income, expenses, categories) Why you should budget using take-home pay and plan for your lowest month How to categorize spending with the 5S framework (Security, Safety, Survival, Satisfaction, Stewardship or Solvency) How to balance your budget to zero so every dollar has a job Paycheck split and bank account split to avoid overdraft and overspending A simple routine: budget before payday, transfer on payday, track mid-month, adjust as needed   Resources Mentioned Surplus Stack System and  Surplus Stack Society   Connect Instagram: @twosidesofadime, @surplusstacksociety Email: hello@twosidesofadime.com, contact@surplusstacksociety.com 

#003 - Eduek is sharing her full strategy to make $300,000 in 2026. She breaks down how she chose the number by reverse engineering her three-year goals, why 2026 is her rebuild year, and what it is actually going to take to hit that income goal without burning out. You’ll hear how she is setting a non-negotiable get out of bed fee, tightening up her income streams, tying each stream to a specific financial goal, and why she is adding a nine-to-five for stability while she builds stronger cash reserves.   Key Points Why she chose $300,000 and how it connects to her three-year plan How to reverse engineer income based on goals, not current salary The get out of bed fee and why her baseline is $3,000 Why she put all her offers under one umbrella: Surplus Stack Society The five income streams she is focusing on plus one new stream in 2026 Why she is going back to a nine to five and why it is strategic, not a setback How she is pacing her focus by quarter to avoid burnout   Income Streams Mentioned Surplus Stack Society (reinvesting into the business, goal of 300 members in 2026) Brand partnerships (goal $36K, stretch $45K, tied to rebuilding her emergency fund) Speaking engagements (goal $25K, stretch $30K, tied to investing) Licensing her courses to companies (goal $75K by selling three packages) Affiliate income (goal $2.5K as play money) Nine to five (for predictable income, personal bills, debt, and savings)   Resources Mentioned Goal Execution Book (how she tracks targets, action steps, and quarterly focus) Richest Year Challenge (goal mapping and building a realistic 12-month plan with 90-day priorities)   Let’s Stay Connected If this episode resonated with you, share it with a friend who keeps starting over every Monday. And don’t forget to subscribe so you never miss an episode. See you in the next one.

#002 - January is full of resets, challenges, and “go hard or go home” energy. But if you struggle to stick to your goals, another reset is the last thing you need. In this episode, Eduek breaks down why extreme challenges like 75 Hard often backfire, how constantly starting over erodes self-trust, and what actually builds discipline long term. Instead of restarting your goals every Monday or every new month, you’ll learn how to pick up where you left off, rebuild confidence in yourself, and create momentum that actually lasts. This episode is your permission to stop starting from scratch and start building consistency the right way.   Key Takeaways You don’t need another reset. You need to rebuild trust in yourself. Discipline comes from consistency over time, not short bursts of intensity. If a goal isn’t meaningful to you, it won’t stick. Let it go. One focused action beats ten scattered ones every time. Start where you are. Start in the middle. Do not start from scratch.   Resources Mentioned The Richest Year Challenge A 3-day challenge designed to help you map out your financial goals for the year and break them into realistic 90-day actions, with built-in accountability and community support. You can join at any time and watch the replays inside the private community. If goal setting, discipline, or consistency has been a struggle for you, the Richest Year Challenge was created to help you build clarity, focus, and momentum without burnout. Join the Richest Year Challenge.   Let’s Stay Connected If this episode resonated with you, share it with a friend who keeps starting over every Monday. And don’t forget to subscribe so you never miss an episode. See you in the next one.

#001 - If you want 2026 to be the year your goals actually happen, this episode is for you. In this episode, I’m breaking down why vision boards alone are not enough and introducing a far more effective approach: the Goal Execution Book. This is a simple, plain notebook that helps you move from intention to execution by walking your goals through every stage instead of just dreaming about the end result. Vision boards focus more on aesthetics and show you the final product. A Goal Execution Book helps you build out your goal from scratch. I explain why most people fall off their goals by February and how focusing on execution, consistency, and accessibility keeps your goals top of mind all year long. You’ll learn how to create your own Goal Execution Book using five clear phases.   Phase 1: Mapping We start by grounding your goals in reality. Learn from the past year Choose your word of the year and a supporting action word Categorize your goals Write 1 to 3 realistic goals per category    Phase 2: Mindset This is where resistance gets addressed before it derails you. Write your why Identify obstacles that could stop you Write down fears tied to each goal Actively talk yourself out of those fears   Phase 3: Execution This phase turns ideas into action. Identify tools and resources you need Create action steps based on obstacles and fears Assign a timeline to each action step by month   Phase 4: Visualization Visualization becomes practical and grounded. Find evidence that your goal is possible using your own life and those in your immediate circle Define what success actually feels like Set milestones and rewards Paste pictures that reflect the in between, not just the finish line Use photos from your camera roll Create a visual board of action steps, not just outcomes Break your goals into a 12-week year Focus on execution one quarter at a time   Phase 5: Seal With a Prayer This is about alignment and intention. Pray over your fears Pray over your action steps Create index cards or a prayer board tied to your goals   Bonus: Use It as a Living Journal Your Goal Execution Book is not static; make sure to interact with it at least once a week. Track challenges Write down wins Capture lessons and notes Add pictures as progress happens Revisit it at least once a week   Reflection Question If you had to abandon every other goal, what is the one non-negotiable goal you would hold on to for 2026? To learn how to execute your financial goals for 2026 and end the year with your richest bank balance yet, join the Richest Year Challenge.   Join the Surplus Stack Society for year-round accountability.

In this conversation, Eduek discusses the various types of surplus blockers that individuals may face in their financial journey. These include spending blockers, income blockers, societal blockers, mindset blockers, and organizational blockers. She emphasizes the importance of identifying these blockers to achieve financial abundance and provides actionable steps to overcome them.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Surplus does not just come from earning more. Identifying spending blockers is crucial for financial growth. Income blockers can prevent you from achieving your ideal lifestyle. Societal barriers can significantly impact financial opportunities. Mindset issues can hinder your ability to earn more. Organizational systems are essential for managing finances effectively. Tracking spending helps in identifying financial leaks. Advocating for oneself is important in overcoming societal barriers. Understanding systemic issues is key to navigating financial challenges. Taking actionable steps can help remove financial blockers.   Chapters 00:00 Identifying Surplus Blockers03:49 Understanding Spending Blockers06:34 Exploring Income Blockers09:43 Addressing Societal Blockers12:56 Mindset and Organizational Blockers13:11 Outro.mp3   Keywords surplus, financial growth, spending habits, income issues, societal barriers, mindset, financial systems, budgeting, financial leaks, financial advice.

In this session, Eduek discusses the importance of calculating your surplus percentage to understand your financial health. The conversation covers how to determine your monthly net income, essential expenses, and ultimately your surplus amount and percentage. Eduek emphasizes the need for adjustments in spending or income to achieve a healthy surplus. Additionally, the session transitions into setting financial goals and creating actionable plans to increase income and savings over time, encouraging listeners to share their progress and goals within the community.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Understanding your surplus percentage is key to financial health. Calculate your monthly net income to assess your surplus. Identify essential expenses to determine your surplus amount. A low surplus percentage indicates a need for income adjustments. Aim for a surplus percentage of at least 30% for financial flexibility. Set aggressive savings goals based on personal aspirations. Break down large financial goals into manageable 90-day tasks. Evaluate your spending habits to find areas for improvement. Engage with the community to share progress and goals. Regularly reassess your financial situation to stay on track.   Chapters 00:00 Understanding Your Surplus Percentage03:37 Calculating Your Surplus Amount and Percentage06:58 Setting Financial Goals and Action Plans09:36 Outro.mp3   Keywords surplus percentage, financial goals, budgeting, income management, savings, investing, financial overflow, money management strategies.

In this session, the focus is on calculating your surplus number, which is essential for understanding how much money you need beyond essential expenses to live comfortably. Eduek guides listeners through identifying core living expenses and surplus lifestyle expenses, emphasizing the importance of knowing exact financial needs to set realistic income and savings goals. The conversation transitions into setting actionable financial goals and planning steps to achieve the desired surplus lifestyle.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Your surplus number defines your financial comfort zone. Understanding your expenses is crucial for financial planning. Negotiating salaries requires knowing your financial needs. Itemizing lifestyle costs helps clarify financial goals. Many desired lifestyles are more affordable than perceived. Calculating your surplus number helps identify income gaps. Setting financial goals requires actionable steps. Optimizing spending is key to achieving financial surplus. Reflecting on income needs can guide job negotiations. Immediate actions can lead to a surplus lifestyle.   Chapters 00:00 Defining Your Surplus Number03:32 Calculating Living Expenses and Goals06:50 Bridging the Gap to Your Surplus Lifestyle08:02 Outro.mp3   Keywords financial surplus, budgeting, lifestyle expenses, income goals, financial planning

In this conversation, Eduek discusses the concept of 'surplus style' and how it relates to financial abundance. She emphasizes the importance of defining personal financial goals that align with individual values rather than societal expectations. The discussion covers various aspects of financial abundance, including security, freedom, generosity, and enjoyment, encouraging listeners to reflect on their unique definitions of success and fulfillment.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Understanding your surplus style helps define financial success. Financial abundance looks different for everyone. Surplus should reflect personal values and priorities. Avoid societal pressures when defining financial goals. Wealth is about designing a life that feels abundant. Identify what makes you feel financially secure. Journal about your financial overflow and priorities. Imagine your perfect day with financial abundance. Align financial goals with what truly excites you. Let go of financial goals that feel like a chore.   Chapters 00:00 Defining Your Surplus Style03:57 Understanding Financial Abundance06:44 Aligning Financial Goals with Personal Values08:53 Outro.mp3   Keywords financial abundance, surplus style, personal finance, financial goals, mindset, intentional spending, wealth, financial security, life design, personal values.

In this conversation, Eduek discusses the importance of embracing an abundance mindset to overcome limiting financial beliefs. She explores how societal conditioning can lead to guilt and self-sabotage regarding financial success. The speaker emphasizes that abundance is not solely about money but encompasses various aspects of life, including opportunities, resources, and relationships. They encourage listeners to give themselves permission to prosper and to recognize the positive impact of wealth on their ability to help others. Practical exercises are provided to help shift mindset and embrace financial abundance.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Many people struggle to accept financial abundance due to limiting beliefs. Guilt and self-sabotage can hinder financial success. Abundance is a mindset that applies to all areas of life. Recognizing discomfort with money is the first step to change. Abundance includes opportunities, resources, and connections. You are allowed to enjoy money beyond mere survival. The more you have, the more you can give back. Accepting help is a part of opening yourself to abundance. Celebrating financial gains can shift your mindset positively. Living a surplus lifestyle is achievable and fulfilling.   Chapters 00:00 Embracing Abundance: Overcoming Financial Limiting Beliefs03:33 Understanding Abundance Beyond Money: A Holistic Approach06:58 Permission to Prosper: Accepting Wealth and Freedom10:42 Outro.mp3   Keywords abundance mindset, financial beliefs, wealth acceptance, money management, personal growth, financial security, mindset shift, prosperity, self-sabotage, financial freedom.

In this session, Eduek discusses the importance of reframing limiting beliefs about money to foster financial growth. The conversation emphasizes identifying negative beliefs, questioning their validity, and replacing them with empowering affirmations. She encourages listeners to actively challenge their beliefs and to support others in doing the same, ultimately promoting a mindset conducive to financial abundance.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Many money beliefs are subconsciously inherited. Reframing beliefs can support financial abundance. Identifying limiting beliefs is the first step. Question the validity of your beliefs. Look for evidence that contradicts limiting beliefs. Surround yourself with examples of success. Replace limiting beliefs with empowering statements. Practice affirmations to reinforce positive beliefs. Support friends in challenging their limiting beliefs. Speaking affirmations out loud can manifest change.   Chapters 00:00 Reframing Money Beliefs03:58 Challenging Limiting Beliefs06:46 Empowering Financial Mindset10:59 Outro.mp3   Keywords money beliefs, financial growth, limiting beliefs, reframing, empowerment, financial abundance, money management, affirmations, mindset, personal finance

This conversation explores the deep-rooted beliefs and influences that shape our relationship with money. It delves into how upbringing, personal experiences, cultural norms, and social environments contribute to our financial mindset. The speaker emphasizes the importance of understanding these influences to reframe our beliefs and improve our financial reality.   Resources: Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Your relationship with money is shaped from childhood. Subconscious beliefs drive financial decisions. Upbringing significantly impacts money handling. Financial trauma can lead to fear of instability. Cultural norms dictate our financial behaviors. Gender roles influence financial confidence and discussions. Your social circle affects your financial mindset. Surrounding yourself with ambitious people expands potential. Reflecting on money beliefs can lead to positive change. Awareness of financial habits is crucial for growth.   Chapters 00:00 Confronting Your Money Beliefs05:44 The Impact of Upbringing on Financial Mindset10:26 Personal Experiences and Financial Trauma14:26 Cultural and Societal Influences on Money Management14:53 Outro.mp3   Keywords money beliefs, financial mindset, upbringing, personal experiences, cultural influences, societal conditioning, financial trauma, environment, money management, financial success, money mindset, limiting beliefs, money trauma.  

In this episode, Eduek introduces the concept of the Surplus Season, a structured roadmap designed to guide individuals on their financial journey from survival to freedom. The discussion breaks down the different 'seasons' of financial milestones, emphasizing the importance of focusing on one key area at a time to avoid overwhelm. Each season is tailored to specific financial goals, such as building an emergency fund, paying off debt, and investing, ultimately leading to financial independence and the ability to give back to the community.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways The Surplus Season helps individuals focus on one financial milestone at a time. Understanding your current financial situation is crucial for progress. The Debutante Season focuses on achieving 30% disposable income. Building an emergency fund is essential in the Baroness Season. Investing becomes a priority in the Viscountess Season. Financial freedom is achieved in the Duchess Season. Community support is vital for accountability and motivation. Generosity should be a goal once financial stability is reached. Each season has specific goals to guide financial growth. Consistency is key to maintaining financial progress.   Chapters 00:00 Introduction to Surplus Season02:46 Understanding the Debutante Season05:33 Exploring the Baroness Season07:54 The Viscountess Season: Investing and Growth09:41 Achieving Financial Freedom in the Duchess Season12:32 Recap and Community Engagement   Keywords financial advice, surplus season, financial freedom, money mindset, emergency fund, debt management, investing, financial milestones, personal finance, community support

In this episode of the Surplus Stack podcast, Eduek discusses the core philosophies that guide the teachings inside The Surplus Stack Society. Emphasizing that money is a tool meant to serve individuals, the conversation explores the importance of proactive money management, the spiritual aspect of money, and the role of debt as a wealth-building tool. She encourages listeners to view their financial journey as a marathon, celebrating milestones along the way, and emphasizes the importance of enjoying money while building wealth. The episode also highlights the significance of mindset in financial management, the necessity of investing, and the belief that wealth is a right for everyone.   Resources Join the Surplus Stack Society Get your FREE Sprint to Surplus Journal and Surplus Calculator   Takeaways Money is a tool that allows you to create the life you want. Your money should always be aligned with your values and goals. Money should be a source of ease and not stress. Debt is a tool that can help you build wealth when used wisely. Building wealth is a marathon, not a sprint. Celebrate every financial milestone, no matter how small. Wealth isn't about putting your life on hold until you hit a goal. Money is never truly lost; it just moves and circulates. Money management is 80% psychology and 20% math. We all deserve to build wealth and financial abundance.   Chapters00:00 Introduction to Surplus Stack Society Philosophies01:05 Money as a Tool for Freedom and Security02:15 The Spirit of Money and Mindset03:43 Understanding Debt as a Tool06:08 The Marathon of Financial Journey08:56 Celebrating Financial Milestones11:47 Enjoying Money Today13:10 The Flow of Money: Circulation vs. Loss14:55 Psychology of Money Management17:10 Creating Financial Stability19:32 Taking Control of Your Finances22:11 Money Management as a Learnable Skill23:57 The Importance of Investing25:58 Wealth is a Right for Everyone