How I Paid Off $47K in 20 Months with Eduek Brooks

Jul 28, 2025

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This week on Yo Quiero Dinero, Jannese is joined by the brilliant and unfiltered Eduek Brooks, a Canadian financial educator and founder of Two Sides of a Dime. Sis does not play when it comes to money — and in this episode, she gets real about how she paid off $47,000 of debt in just 20 months, turned her financial rock bottom into a thriving business, and created the Surplus Method — a roadmap that’s helping women all over reclaim their money power.

If you’ve ever felt like traditional personal finance advice wasn’t built with you in mind, this episode is your antidote. Eduek throws out the cookie-cutter advice and breaks down why building wealth as a woman of color requires a whole new approach — one rooted in mindset, community, and actual surplus (aka: MONEY LEFT OVER after your bills are paid!).

What We Cover:

The exact moment Eduek decided she was DONE being broke
Why she still invested while paying off debt (and how it paid off big)
Her no-fluff guide to building a plan you can actually stick to
Celebrating small wins & avoiding burnout on your debt-free journey
The truth about high earners still living paycheck to paycheck
A breakdown of the Surplus Method (S.U.R.P.L.U.S.) and how to use it
How Eduek knew it was time to quit her 9-5 and go full-time in her biz
Canadian investment accounts 101 (hello, tax-free savings!)
Why mini-retirements are part of her wealth strategy

Quote:

“Your income builds wealth, but your surplus is what gets you to your goals.”

👑 Meet Our Guest:

Eduek Brooks is a financial educator and the powerhouse behind Two Sides of a Dime. Through her membership community, Surplus Stack Society, she helps women ditch debt, build savings, and invest confidently — without sacrificing the joy of living. She’s not here to make you feel guilty about Starbucks. She’s here to help you stack, save, and spend with intention.

📲 Follow Eduek:

Instagram: @twosidesofadime
Join the Surplus Stack Society: surplusstacksociety.com