In honor of International Women’s Day (Zack says month, which maybe it should be), we sit down with Ramat Oyetunji, financial educator, author, and Ceo & founder of The FI Woman, to talk about what it really means to achieve financial independence.

From being laid off at 25 with only $1,000 in the bank to retiring at 44, Ramat shares the mindset shifts, habits, and strategies that helped her take control of her financial future.

We cover:

1. What financial independence actually means (and why it’s different for everyone)
2. The biggest mistakes people make in their 20s and 30s
3. How to start investing — even with little money
4. Why women often outperform men in investing
5. Real estate vs. stock market for building wealth
6. What to do if you feel “too late” to start
7. How to manage debt, rebuild, and move forward with confidence

Whether you're just starting your financial journey or trying to course-correct, this episode is packed with actionable insights and perspective shifts.

Key Takeaway:

Financial freedom isn’t about how much you make, it’s about the decisions you make consistently over time.

Connect with Ramat:

www.thefiwoman.com

Connect with Tabitha:

www.tabithaheit.com

***This episode is for educational and informational purposes only and should not be considered financial or investment advice. Always consult with a qualified financial professional regarding your specific situation.

Real estate isn’t just about square footage and school districts.

It’s about:

• Where you grab your morning coffee

• Where you run on the weekends

• Where your kids play

• Where you meet friends

• And how easy it is to get to Center City, New York, or DC

In this lifestyle-focused episode of Keeping Tabs with Tabitha Heit: Real Talk. Real Help. Real Estate., we’re sharing the local spots we love around Fort Washington, Ambler, Chestnut Hill, and Montgomery County.

From Liberty Kitchen hoagies and Wake Coffee breakfasts to the Wissahickon trails, Ambler Restaurants, and easy train access, this episode highlights what truly makes living here special.

And it's not a cornichon, it's a Kouign-amann (kween-ah-MAHN)!

Because when you buy a home, you’re not just buying a property.

You’re choosing a lifestyle.

If you’re local, you might discover a new favorite spot.

If you’re considering moving here, this is your inside look.

🎧 Listen now and start living local.

The market has shifted, but smart sellers are still winning. In this episode of Keeping Tabs, Tabitha Heit breaks down exactly what sellers should be doing before they list their home to maximize value, reduce stress, and avoid costly mistakes. From curb appeal in winter, to decluttering strategies, to paint, photos, pricing, and buyer psychology, this episode is a practical guide for homeowners thinking about selling in today’s market.

Key Topics Covered

1. Winter curb appeal that still makes a strong first impression
2. How to declutter without feeling overwhelmed
3. What sellers should (and should not) repaint
4. Why garages, closets, and smells matter more than you think
5. Professional photography vs. phone photos
6. Pricing strategy and avoiding dangerous price reductions
7. How buyers actually experience your home
8. Why preparation beats panic every time

Who This Episode Is For

1. Homeowners considering selling in the next 3–12 months
2. Sellers who want top dollar without unnecessary spending
3. Anyone overwhelmed by the idea of “getting their house ready”
4. Buyers who want insight into what great listings do differently

If you’re thinking about selling, or even just exploring your options, now is the time to prepare. Connect with Tabitha Heit (www.tabithaheit.com) to walk through your home, build a smart plan, and position your property to win in today’s market.