About the Author

Raya Reaves is the Founder and Finance Coach of City Girl Savings, LLC. She teaches women how to create and stick to realistic budget plans to reach their financial goals. Raya resides in Austin, Texas, with her boyfriend and two Yorkie dogs.

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Reader Interactions


  1. Love this! Inspiring piece!
    My mantra for 2023 is Philippians 4:6- “ be anxious for nothing….!”

  2. Good Morning from Texas

    I enjoyed reading your story and it has helped me in so many ways. I returned to school after raising my three children with my husband. Although, he loves me he has not been the most supportive of me returning to school. Since, returning to school I have maintained a 4.0 GPA and have been inducted into three Honor Societies all with minimal support from my husband but with the full support of our children. I am 55 years young and striving for me dreams and one of them being graduating with my college degree in General Psychology. I love all thing Tyler Perry and his movie and in his movie “The Family That Preys” the question was asked “are you existing or are you living” I have chosen to LIVE MY BEST LIFE. Every day I tell my self “you got this and no one will steal your joy”.

  3. I needed to read this as I’m terrified for going for what I want but will go for it anyway. May God lead because when He does, it always works out for my good. Thank you for this reminder.

  4. Resilient, Unprecarious/Affable, Bold and Affirmed

    I have been stuck, and used many excuses. Now I’m on bed rest so now is the time!

    Thanks for sharing

  5. Thank you for your words.
    I do my upmost best to be kind, polite, respectful, and calming to myself and others.
    Happy New Year!

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