You Have Power! Are You Using It?

Good morning!  I just want to take a quick Take Five to share with you.

I was on a prayer call with one of my favorite ministers, Pastor Tyrone Ivy from Greater Hope Church in Phoenix.  Look them up on Facebook.  He does a prayer call every Thursday morning.

And today he put something on my mind because he was talking about the power and authority that we have as believers.  And my question for you today is:  Are you walking in that power?  Are you walking in that authority?  Or have you forgotten about it?  And let fear or circumstances or doubt distract you from it.


You Have Power. Are You Using It?

Posted by Laya Gavin, Author & Professional Speaker on Thursday, July 13, 2017


This is your reminder today!  This is your wake up call!  Stop letting fear drag you down.  Stop letting sad circumstances distract you from the promises of God.  Stop letting bad news from the world dictate how you will live your life.  God has promised many things to His children and He is a Promise Keeper!  He is a Provider!  He is ALL Good, ALL the time.

My mission and my goal right now is to help YOU walk in your power and take your Money Power back!  I want to help you create W.A.M. “Walk Away Money”!

Message me here and we can talk about how to make a new decision to change the game!

Talking Money with Reggie Rogers at PowerJamz and the Wake Up Call Show

Book interview with DJ host, Reggie Rogers from Power Jamz Live.  I was so very fortunate to get to spend some time with long time friend and radio host – we grew up together back in my old Oxnard, CA stomping grounds.

Listen in as Reggie and I get to talk about money challenges that are common to us all, but God is ever faithful.

There is no challenge that you are facing that is too hard for Him.

He is and always will be your heavenly provider.  Trust Him always.


Click here for More about Reggie Rogers and Power Jamz program




Don’t Make The Same Mistake As My Dad

This is not a joke. This is not a meme. There are no dancing cats or cute babies. This is not a game. This is REAL WORLD grownup talk. It’s time out for just getting on line trying to show off our SHINE when we have NOT handled our business.

Don’t be mad because I care enough to tell you the truth.


If this message is talking to you and your situation, you need to run to the phone and call my office. There should be nothing in this world that has you so busy, so tied up, so unavailable right now that you cannot take time out to demonstrate this kind of love for your family.

Think you gotta be rich to need an estate plan?  Think again.  Click here << estate planning is not just for the rich >>

When someone falls ill or passes away, there are too many opportunities for hurt feelings, confusion and pain. Take the opportunity now to establish a Legacy Love Letter to your loved ones and make your wishes clear.  Click here for << common estate planning mistakes >>



* 1300+ blended families growing each day
* 50%+ adults have no legal documents stating their wishes
* 65%+ African Americans have not done any formal estate planning
* 70%+ Hispanics have not done any formal estate planning

YOU can change that!  And I can help.

Call or email my office TODAY to schedule a Complimentary Legacy Check Up (valued at $197)

Call 623-312-2789
Or Email

GO TO for more info


You Can Either Pinch Yourself OR Kick Yourself

A Pinch or Kick?  Which one will it be?  There are certain moments that come up and you have to make the call.  Do you step up and move out of your comfort zone?  Or do you sit back and kick yourself after the moment has passed?

Well here I was sitting in a room learning from one of the top executives in the real estate industry, Mrs. Tami Bonnell.  When I say one of the top executives let me be clear, I don’t just mean one of the top female executives, I mean top executives across the board in all of North America.

She was named President and CEO of EXIT Realty Corp International in 2012.  She has over 30 years in the real estate industry and has been instrumental in building three major real estate brands.  She has been named among the Top 100 Women in Real Estate, the Natl Association of Women in Real Estate Business (NAWRB) honored her with their Roaring Twenty Award, and there have been many others.

She describes herself as a leader who takes on having the tough conversations because it makes everyone better.  She leads by example and she demonstrates her commitment to the success of those around her.

Laya Gavin with Tami Bonnell, CEO & President of EXIT Realty Corp International

Laya Gavin with Tami Bonnell, CEO & President of EXIT Realty Corp International


So I am sitting in the room, feverishly taking notes as she is training the EXIT Arizona Regional leadership team.  She shared the foundational concepts that lead to longevity and success in the real estate business no matter what cycle the markets are going through.  Here are a few of her leadership insights from that day and when you look at them you see that really apply to ANY business:

  • We all get busy with competing responsibilities (family, work, community, etc) so she plans her life in 6 week action plan segments.  On a Tues/Wed/Thur around the 15th of each month, she takes 4 hour block of time where she says “you have to take this time out to work ON your business instead of IN your business.”  She pulls all of her commitments together onto one calendar and integrates work, family and play all into one.
  • Build your “Dirty Dozen”.  The “Dirty Dozen” is a list of people in your industry or connected fields that you align yourself with to build trusted relationships so that you can keep each other abreast of developments and changes in the marketplace that could affect your business.  It is a give and take of knowledge.
  • Know your marketplace.  Know the street level numbers for your market or industry.  What is happening in sales and revenue for your competitors and how their are serving clients and how you compare.  Be prepared when you walk into a client meeting to educate them on the differences and the unique advantages that you bring to the table.
  • The Power of 120 Seconds.  Before you start running, take 120 seconds and visualize the entire day.  Think through how you want your meetings to go.  Think about how you want people to feel after our time together.  Visualize what you want to create.

So after the meeting, this amazing lady, business leader and industry executive took a few moments before catching her third flight in less than a week’s time and stopped and gave me her full attention.  It was at that moment that we talked about her habit of being a voracious reader.  Long story short, she left that meeting with a copy of my book in her hand and declared that would be reading material for her next flight.

This was an example of gracious leadership.  Tami Bonnell, CEO and President of EXIT Realty Corp. International is #1 in my book.

So I didn’t have to kick myself thinking of the missed opportunity of speaking one on one with this phenomenal lady.  I did walk away having to pinch myself, thinking “did that really just happen?” 🙂

Step out of your comfort zone, because you never know what amazing things could happen.


Get A Free Money Mastery Prayer Journal – It’s Small Business Saturday

It’s Small Business Saturday on November 26th and I want you to be able to take advantage of a jewel of a deal.  Shop small businesses and make a big difference. Recirculate dollars in the local community!



Between now and December 3rd, you can receive a FREE 30 Day Money Mastery Prayer Journal with the purchase of my book, 10 Smart Moves – How To Master Your Money & Make A Difference.  Why the prayer journal?  Have you ever struggled with being able to personalize the Word of God and wonder how it applied to where you are right now?  This prayer journal walks you through a simple system to make sure that every day you get a clear download of what you are reading and what it means for you.


Call me at 623-312-2789 to place your order, or email me at and I will ship your order direct.

Perfect way to start the new year with your money on track. And great gift idea!

Happy Holidays!


Sharon Lechter says “Master Your Money OR It Will Master You!”

Laya Gavin with Sharon Letcher at CEOSpace Conference

Laya Gavin with Sharon Lechter at CEOSpace Conference


I recently had the great privilege and honor of spending time with Sharon Lechter author, speaker, philanthropist, business woman, CPA and just a very nice woman to sit down and have a real conversation with.  If you have been in the business world and paying attention over the last couple of decades, you probably recognize Sharon’s name from her groundbreaking work in bringing the Rich Dad, Poor Dad series of books and games to the marketplace and teaching us the elements of the “Cashflow Quadrant” along with Robert Kiyosaki.  Now, Sharon is on a mission that is near and dear to my heart, and that is educating and empowering women around the subject of finances.  Her latest book is called, Think & Grow Rich for Women, Using Your Power to Create Success and Significance.

In listening to her share her passion about the importance of women taking ownership of their financial futures, I was encouraged to know that I am on the right path in my journey as well.  You know the feeling when you have a dream that won’t let you sleep at night, and then the next day you cross paths with someone and they say something out of the blue that provides confirmation of what you were thinking?  Well that’s how my time with Sharon was.  I told her that I was publishing a book, 10 Smart Money Moves, How to Master Your Money & Make A Difference.   Her immediate reply was “if you don’t master your money, it WILL master you!”

And I am so pleased to say that since my meeting with Sharon, my book is now available for purchase online at:

The universe saw fit for us to cross paths at this unique moment in time.  For all of the dreamers out there like me, take note, there is an appointed time and place already designated for you to cross paths with someone whose words can give you confirmation in your spirit and speak life back into your dream.

Not only did we get to discuss the shared vision of increased financial literacy, but she also took the time to give me guidance.  CEOSpace International, is an organization that thrives on a community of shared ideas, networking and business experts bringing their resources to the table to help the community of entrepreneurs.  This is a special place that believes in cooperation not competition among its membership, and all through the hallways you hear the phrase “brain tithe”, referring to giving back a portion of what you have been blessed with.  And that is what Sharon did for me.  In our conversation she gave me tips on how to move my business forward, on how to improve my speaking skills and where to look for more information about my kraft.  Another example through leadership that in order to move forward, you must constantly continue to be a student of your kraft.  You have to keep learning.  You have to keep growing.  You have to keep giving.

Sharon Lechter, thank you!

Be Blessed!

Laya Gavin

The Borrower Is Slave To The Lender

Debt Free Holiday

This information is too valuable to pass up. It’s helping men & women just like you keep JOY in the holidays…with NO DEBT!


Start off the New Year right!

Listen in to the recording by using the link below.

It’s still FREE and will be posted for a limited time, so don’t delay!

Keep Your Holiday Joy & Join Me for This Free Call – Thur Nov 19th!

Have you seen it yet? You can’t miss it. If you were out buying groceries or even gas, everybody is starting their holiday promotions. They are looking for ways to part you from your hard earned money. They have been planning and plotting.




The question is DO YOU HAVE A PLAN?

Do you have a plan to keep your holiday spending under control?

Imagine what it would feel like to have a STRESS FREE and DEBT FREE holiday this year?

Don’t let holiday spending KILL your JOY!

Join me for this NO COST call on Thursday Nov 19th!
Time: 6pm MST, 8pm EST

Walk away with 5 Survival Strategies to make it through with your mind and your money in tact!

  • Learn how to avoid the major pitfalls that trap most holiday shoppers
  • Learn how a little advance planning can help you keep you sane in the holiday madness
  • Advance tips to keep from losing your RELIGION fighting the Christmas crowds

Don’t be a GRINCH! But don’t be a financial pushover either. Plan your work and work your plan!


Space is limited, so click the link below to register and save your space.

Laya Gavin, Financial Stewardship Champion of is bringing this information to you so that you can experience ACCELERATED ABUNDANCE! God’s way of handling money is better than any hot tip WallStreet has ever come up with.

Laya Gavin

7 Things You Should Know About Your Credit & Credit Score

This is definitely a matter of “what you DON’T know CAN hurt you.” Money matters and conversations about credit and debt can be embarrassing if you feel like you have made mistakes in the past and have not yet forgiven yourself for not knowing what you didn’t know.


I like the idea that when you know better, you can do better. So take this opportunity to get some good information and put it to use to improve yourself, and share it with someone you care about and perhaps help them avoid a pitfall too.
So here is a little real talk about credit, credit scores and where they come from.

1. Who is tracking your credit? There are 3 national credit bureaus – Experian, Equifax and TransUnion


2. Where does the information come from? They compile information received from banks and financial institutions, who send data about any debt or bill that you may have (car loans, credit cards, mortgages, medical bills, student loans, delinquent taxes, and even outstanding balances for that apartment you and your buddies from college were renting together and didn’t clear up). And every time you submit an application for new credit, whether approved or not, it is affects your credit score and is added to your file.
3. Who uses this information? You would be surprised. Utility companies, cell phone providers, landlords, insurance companies and even some potential employers are reviewing your credit history to determine your suitability and financial stability.


4. How can you find out what they are saying about you? Good question. Any time you apply for credit if you are declined, you will receive a letter in writing from the company notifying you what information was used to make their credit decision and how to request a copy of the credit reporting information obtained so that you can review it and dispute anything that is invalid. Also you have the right to get a FREE copy of your credit report from each of the three credit bureaus annually so that you can see the information and request any corrections, and make sure that no one else is using your identity illegally. Per the FTC (Federal Trade Commission) the ONLY authorized source for your free report is DONT BE FOOLED by copycat websites trying to get your personal data and your money.


5. What is a FICO score? FICO is an abbreviation used to describe the measurement of your credit score. The scoring ranges from about 301 to 850. The way your FICO score is calculated is to take your score from each of the 3 agencies (Experian, Equifax and TransUnion) drop the highest score, drop the lowest score and select the one in the middle, and that is considered your FICO score. It is NOT an average of all 3.


6. What are 3 factors that contribute to my credit score? The length of time that you have had the lines of credit open. Your payment history. And the amount of the credit line used compared to the total amount available.


7. How much of my available credit should I use?  Ideally, NONE! It’s better to owe no one anything. But if you are using them, then the best way is to pay them in full monthly. The 2nd best use, if you are in a position where you cannot pay off in full, then use the Rule of ⅓. The Rule of ⅓ means that you only use ⅓ of your available line of credit. So if your limit on your card is $3000, do NOT carry a balance of more than ⅓ or $1000. This demonstrates to your creditors that you are not maxing out every penny of available credit and you are consistent on making your payments.

Share this information on your Facebook page, forward it to your friends and family – WE NEED MORE WORD! WE NEED MORE VICTORY!


LayaLaya LayaGavin
Your Financial Stewardship Champion


Pearl of Wisdom 22 – Be Content In ALL Things

Pearl # 22 - Content


It never ceases, the slice of human nature to desire that which we don’t have.  The grass always looks greener on the other side.  And the tendency of the human psyche to seek after what we don’t have continues.  As if that will be the answer to all our problems.

Think about it.  People with curly hair want straight.  People with straight hair want curly.  People who grew up as only children, want a big family with a house full of kids.  People who grew up with lots of siblings, typically want a smaller family and a little more peace and quiet in their house.  People who grew up in the country can’t wait to get out and see what city living is like.  People in the city, think that the solitude of country living just might be the ticket.  Singles wishing they were married.  And married people wishing they had waited.

People who grew up with both parents in the house can look at one parent over the other and think how much more connected one seemed to be in the relationship and wish for more equality.  Kids who grew up without their biological parents and were gifted with adoption may feel that gapping hole of missing their biological parents, wondering what they were like and how different life could have been.

So my message today is just about refocusing on being content (content – defined as satisfaction with what one is or has).  

In Phillippians 4:12-13 the Apostle Paul says that he knows what it is like to be abased and to abound (meaning he has struggled and been low; and he has been lifted up and walking in abundance).  And after living through both conditions, Paul’s best practice share technique for the church was to tell us to be content and know that through Christ we can do all things by His strength, not our own.  YOU WILL HAVE GOOD DAYS AND BAD DAYS.  None of us are exempt from struggle.  But remember that God is in control of it all!

So today, just take a deep breath and give thanks for your current state (no matter what it is).  If you have breath in your body, you should give thanks – someone didn’t wake up this morning.  If you have family and friends around you to argue with and get on your nerves, you should give thanks – someone lost a loved one that they wish they could still have a silly fight with over who moved the remote control.  If you live in the USA, you should give thanks – with all its flaws and shortcomings and things that we can improve upon it is still among the richest populations in the world with access to clean water, education, healthcare, and an infrastructure that allows us to speak up and create change.  It’s not perfect – but GIVE THANKS.

Give thanks for the path that the Lord is taking you through.  Your journey is about becoming the person God has ordained you to be.  Every turn, every hurdle, every hurt, every obstacle and every victory has been customized for God’s purpose and plan for your life.  Give thanks!  Be content!  Be blessed!



Laya LayaGavin
Your Financial Stewardship Champion


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