The 1% Approach to Spending — For Your Version of Wealth

What if the problem isn’t how much you spend, but where you spend it?In this episode, Maya introduces the concept of Money Dials, a powerful framework popularised by Ramit Sethi, and explores how it can help high achievers spend with confidence, clarity, and intention.Rather than obsessing over budgets or cutting back everywhere, Money Dials help you identify the specific areas of life where spending genuinely adds value and where it doesn’t. Once you know your dials, you can turn them up unapologetically and cut back mercilessly on the rest, without guilt or resentment.Maya shares her own biggest money dial (convenience), explains why this framework is especially helpful for high performers, and introduces a coaching twist: combining money dials to get the greatest return on your spending.What You’ll LearnWhat Money Dials are — and why they matter more than budgeting The 10 most common money dials (including convenience, freedom, relationships, and health)Why some spending feels expansive while other spending feels drainingHow your money choices reflect what you truly value (even when you don’t realise it)How combining money dials leads to elite level decisionsThis episode is especially relevant if you often feel conflicted about spending money despite earning well and you want to align your finances with the life you’re building.To find out more about Maya you can connect with her at www.mayagudka.com and https://www.linkedin.com/in/mayagudka/And subscribe to her YouTube Channel https://www.youtube.com/@MayaGudka?sub_confirmation=1

Many high achievers are quietly working towards financial independence, whether they call it FIRE or not. But what happens when the goal becomes escaping work rather than designing a life you actually want to live?In this episode Maya breaks down the FIRE movement (Financial Independence, Retire Early) in a clear, grounded way without hype, extremes, or unrealistic assumptions.We explore what FIRE really is, where it can be helpful, and where it can fall short for ambitious professionals who don’t actually want to stop working,  they want more autonomy, choice, and control.What You’ll LearnWhat FIRE actually means (and what it isn’t)The different types of FIRE: Lean, Fat, Coast, and BaristaHow your savings rate and lifestyle costs shape your freedomThe often-ignored emotional and psychological side of FIREWhy many people feel flat or lost after hitting their “number”To find out more about Maya you can connect with her at www.mayagudka.com and https://www.linkedin.com/in/mayagudka/And subscribe to her YouTube Channel https://www.youtube.com/@MayaGudka?sub_confirmation=1

Do morning routines really work if you’re not naturally disciplined, consistent, or living a perfectly predictable life?In this episode Maya Gudka answers a listener question that captures why so many high achievers opt out of morning routines altogether and shows you a flexible, realistic alternative.Rather than rigid schedules or 5am starts, Maya explains how to design mornings around a few high-impact cornerstones that support your energy, focus, and wellbeing, even if you have young children, variable mornings, or low tolerance for rigidity.This episode reframes morning routines as something that should pull you out of bed, not feel like another performance metric.What You’ll LearnWhy most people give up on morning routinesThe difference between rigid routines and flexible cornerstonesHow mornings support clarity, focus, and reduced overworkWhy cognitively demanding work is best done earlyHow to create a “pull factor” that makes mornings enjoyableTo find out more about Maya you can connect with her at www.mayagudka.com and https://www.linkedin.com/in/mayagudka/And subscribe to her YouTube Channel https://www.youtube.com/@MayaGudka?sub_confirmation=1

By February, the shine of New Year goals has usually worn off.Some things are working. Some things aren’t. And this is the moment where many high achievers either compound progress, or slowly disengage, telling themselves “it’s not working” or “I’m not working.”In this episode Maya Gudka explains why February is one of the most powerful months of the year for progress, and why this is the perfect time to shift your focus from outcomes to small, repeatable processes.You’ll learn the difference between outcome goals and process goals, why “trust the process” isn’t always helpful advice, and how to choose one simple process to commit to for the next 28 days, without burnout, pressure, or overhauling your life.What You’ll LearnWhy February is a critical inflection point for goalsThe difference between outcome goals and process goalsWhy high achievers often over-control outcomesWhy “trust the process” only works if it’s the right processTo find out more about Maya you can connect with her at www.mayagudka.com and https://www.linkedin.com/in/mayagudka/And subscribe to her YouTube Channel https://www.youtube.com/@MayaGudka?sub_confirmation=1

If your iPhone camera roll feels overwhelming — too many screenshots, duplicate photos, long videos, and thousands of images you never look at — this episode is for you.In this episode, Maya shares a simple January routine for decluttering photos on your iPhone: a 5-minute daily photo delete habit that makes steady progress without turning into a huge digital clear-out.This isn’t organising for the sake of it. It’s about organising your photos so your memories are usable again, freeing up iPhone storage, and reducing the mental load that comes from digital clutter.Maya explains why digital photos become overwhelming, where to start for the biggest wins (duplicates, selfies, videos, screenshots, and storage-by-size), and how to delete photos without regret — including why starting one year back makes this process much easier.If you’re looking for a calm, sustainable way to declutter your camera roll, clear iPhone storage, and feel more intentional about the photos you keep, this episode will give you a simple place to start.What You’ll LearnHow to declutter photos on your iPhone in just 5 minutes a dayWhy your camera roll feels overwhelming (and how to fix it)The fastest way to free up iPhone storage using videos and duplicatesHow to delete photos without regretA sustainable digital declutter habit for busy professionalsThis episode is part of Maya’s January series helping high achievers build clarity around money, career, and daily routines for 2026.You can find the £33 Vision Unblocked programme here https://www.mayagudka.com/vision-unblocked2024 Year End Review Episode https://open.spotify.com/episode/02TyZAsVS7Qf8FTnudRcv0What is Your Personal Rich Life Vision? Episode https://open.spotify.com/episode/7KC86MbwBZhL6ExiSDGl8kThe Abundance Series - Start with these https://youtu.be/IZJJlI2mw_E?si=8BXyvpkcSb9bh4YU https://youtu.be/L67WF_2I9sk?si=HVDhSj17GN3gzfIv 5 Ways to Effortlessly Achieve Your Goals Episode https://open.spotify.com/episode/4l6zoSOQVzQTcSdxn8GCxZAnd download your free Vision Checklist here https://www.mayagudka.com/vision-checklist Connect with Maya on LinkedIn https://www.linkedin.com/m/in/mayagudkaAnd subscribe to the pod YouTube Channel https://www.youtube.com/@MayaGudka?sub_confirmation=1

January is career-planning season and this year, those conversations are more urgent than ever.In this episode, Maya Gudka shares the three career strategies she is discussing most frequently with her clients right now, particularly in light of growing uncertainty around AI, automation, and the future of knowledge work.What You’ll LearnHow to spot the parts of your work that energise you mostWhy vision matters more when the future feels uncertainHow AI uncertainty can push people into short-term thinkingWhy holding a personal North Star helps you ride change instead of drowning in itThis episode is part of Maya’s January series helping high achievers build clarity around money, career, and daily routines for 2026.You can find the £33 Vision Unblocked programme here https://www.mayagudka.com/vision-unblocked2024 Year End Review Episode https://open.spotify.com/episode/02TyZAsVS7Qf8FTnudRcv0What is Your Personal Rich Life Vision? Episode https://open.spotify.com/episode/7KC86MbwBZhL6ExiSDGl8kThe Abundance Series - Start with these https://youtu.be/IZJJlI2mw_E?si=8BXyvpkcSb9bh4YU https://youtu.be/L67WF_2I9sk?si=HVDhSj17GN3gzfIv 5 Ways to Effortlessly Achieve Your Goals Episode https://open.spotify.com/episode/4l6zoSOQVzQTcSdxn8GCxZAnd download your free Vision Checklist here https://www.mayagudka.com/vision-checklist Connect with Maya on LinkedIn https://www.linkedin.com/m/in/mayagudkaAnd subscribe to the pod YouTube Channel https://www.youtube.com/@MayaGudka?sub_confirmation=1

If money admin sits on your 2026 goals list but fills you with a low-level sense of dread, this episode is for you.In this episode, Maya Gudka shares a calm, sustainable approach to getting on top of your finances, without overwhelm, avoidance, or perfectionism.Rather than treating money as an end goal, Maya reframes it as a powerful enabler: one that shapes your career choices, your risk tolerance, and how quickly you can bring your long-term vision to life. She explains why January is the highest-leverage time of year to get financially organised, and how even a few well-designed systems can quietly transform your sense of control and confidence.Using her Easy, Fun, Fits (EFF) framework, Maya walks you through how to make financial organisation manageable, even if money has historically felt heavy or triggering.What You’ll LearnHow financial clarity directly expands your career optionsWhy January is the perfect window for financial organisationThe difference between housekeeping, daily systems, and long-term investingWhy automation is your biggest ally with moneyHow to connect money to your “rich life” and joy spendsThis episode is part of Maya’s January series helping high achievers build clarity around money, career, and daily routines for 2026.You can find the £33 Vision Unblocked programme here https://www.mayagudka.com/vision-unblocked2024 Year End Review Episode https://open.spotify.com/episode/02TyZAsVS7Qf8FTnudRcv0What is Your Personal Rich Life Vision? Episode https://open.spotify.com/episode/7KC86MbwBZhL6ExiSDGl8kThe Abundance Series - Start with these https://youtu.be/IZJJlI2mw_E?si=8BXyvpkcSb9bh4YU https://youtu.be/L67WF_2I9sk?si=HVDhSj17GN3gzfIv 5 Ways to Effortlessly Achieve Your Goals Episode https://open.spotify.com/episode/4l6zoSOQVzQTcSdxn8GCxZAnd download your free Vision Checklist here https://www.mayagudka.com/vision-checklist Connect with Maya on LinkedIn https://www.linkedin.com/m/in/mayagudkaAnd subscribe to the pod YouTube Channel https://www.youtube.com/@MayaGudka?sub_confirmation=1

If January already feels noisy, overwhelming, or full of other people’s goals  this is the episode for you.In this episode Maya Gudka shares a more strategic way to orient yourself at the start of the year, whether you already have goals, are still deliberating, or feel completely stuck.Rather than rushing into action, Maya explains why January is a unique window for reflection, organisation, and laying foundations  and why this season is not about launching or pushing hard.You’ll be guided through choosing a Word of the Year, visualising where you want to be one year from now, and using the Easy, Fun, Fits (EFF) framework to design goals that actually work in real life.This episode kicks off a January series focused on money, career, and daily routines, designed specifically for high achievers who want clarity without burnout.You can find the £33 Vision Unblocked programme here https://www.mayagudka.com/vision-unblocked2024 Year End Review Episode https://open.spotify.com/episode/02TyZAsVS7Qf8FTnudRcv0What is Your Personal Rich Life Vision? Episode https://open.spotify.com/episode/7KC86MbwBZhL6ExiSDGl8kThe Abundance Series - Start with these https://youtu.be/IZJJlI2mw_E?si=8BXyvpkcSb9bh4YU https://youtu.be/L67WF_2I9sk?si=HVDhSj17GN3gzfIv 5 Ways to Effortlessly Achieve Your Goals Episode https://open.spotify.com/episode/4l6zoSOQVzQTcSdxn8GCxZAnd download your free Vision Checklist here https://www.mayagudka.com/vision-checklist Connect with Maya on LinkedIn https://www.linkedin.com/m/in/mayagudkaAnd subscribe to the pod YouTube Channel https://www.youtube.com/@MayaGudka?sub_confirmation=1

Most high achievers assume they fail at their goals because they didn’t push hard enough or weren’t disciplined enough.But after working with thousands of leaders, Maya Gudka knows that’s almost never the real issue.In this episode, Maya shares the goal-setting method she’s using for 2026 - a simple but powerful approach designed to make your biggest goals inevitable, not exhausting.Instead of relying on short bursts of motivation or unrealistic “perfect week” plans, this method focuses on designing how you pursue your goals so that it’s easy, fun, and fits your real life, even in your hardest weeks.This episode is essential listening for high achievers who want ambition and joy, progress without burnout, and goals that finally stick. What You’ll LearnWhy most goals fail (and it’s not lack of discipline)The hidden flaw in traditional goal-setting for high achieversWhy big goals require regularity over time, not intensityThe Easy, Fun, Fits (EFF) Method for sustainable successMaya’s Word of the Year for 2026 and how to choose yoursYou can find the Vision Unblocked programme here https://www.mayagudka.com/vision-unblockedThe Vision Code programme here https://www.mayagudka.com/vision-codeAnd download your Vision Checklist here https://www.mayagudka.com/vision-checklistYou can also connect with Maya on LinkedIn https://www.linkedin.com/m/in/mayagudkaAnd subscribe to her YouTube Channel https://www.youtube.com/@MayaGudka?sub_confirmation=1

In this solo episode, Maya takes you behind the scenes of her own 2025 year in review  and shares an easy, data-informed method you can borrow for your own reflection.Instead of relying on fuzzy memory or end-of-year recency bias, Maya uses a monthly “Ta Da List” (a done list), Apple Notes, and a touch of AI support to create a much more accurate picture of what actually happened this year: in work, life, family, health, money, and more.She also shares what surprised her most when looking at the honest ‘data’If you’re a high achiever who tends to underestimate what you’ve done (and rush on to the next thing), this episode will help you slow down, take stock, and see just how much your effort has really created💡 You’ll LearnA simple monthly reflection method (the “Ta Da! List”) you can start nowHow to use notes + tech to make your year-end review more accurateWhy we underestimate our progress when we only review at the end of the yearHow seeing the full picture of your year shapes your 2026 goals for what’s nextYou can connect and find out more about Maya on her website www.mayagudka.com or LinkedIn https://www.linkedin.com/m/in/mayagudkaPlus find her on Youtube https://www.youtube.com/channel/UCE8JBk-eQ0dA8zv1eWJZelA/