Nicole Victoria | Money Coach

Most people stay broke not because they’re not working hard enough… but because they don’t even realize they’re trapped in a cycle. 💰 Selling tomorrow’s dollars to pay for yesterday’s spending. 💰 Keeping all their money in a savings account while inflation eats it away. 💰 Thinking the only way to make more is to work harder—while the rich make more by investing. I went from $40K in debt to a millionaire at 30 because I learned what the rich actually do with money. And once you see it, you can’t unsee it. Here’s how to break out of Broke-Tok and actually start building wealth: 1️⃣ Change what you consume – If you’re constantly watching shopping hauls & “must-have” trends, you’re training yourself to spend. Wealth starts with what you feed your mind. 2️⃣ The PYF Method (Pay Yourself First) – If all your money is going to your past (debt) and present (bills), how can you ever build your future? The rich invest FIRST, so their money works for them. 3️⃣ Close the knowledge gap – Right now, you don’t know what you don’t know. The rich don’t just save—they invest, multiply, and use money as a tool. I turned $15,000 into $150,000 in 2 years because I learned how to make money work for me. 🚨 If you’re ready to start building wealth, I’m teaching my exact five-step method in my free training, From Broke to Ballin’. This is the exact strategy I used to go from $40K in debt to a millionaire by 30. 🔗 Click the link in my bio to join! Or if you want more support? Apply to work with me as your seven-figure mentor. I’ve helped thousands of women: 💸 Pay off all their debt 📈 Start investing & grow their wealth 🛫 Travel more & enjoy life without financial stress 💍 Pay for their wedding in cash 🏡 Lock in an early retirement Your future self is waiting—let’s make it happen. 🔥

If you want to get rich, you need to learn from rich people. And if you don’t know any—don’t worry, I’ve got you. I went from $40,000 in debt to millionaire by 30 by studying the actual strategies wealthy people use behind closed doors. Not the watered-down stuff. Not the basic advice. The truth is, most people are stuck because they’re following the wrong playbook. They’re budgeting, saving pennies, and playing defense— While the rich are buying income, lowering taxes, and building systems that print money. And right now—with the market as volatile as it is—understanding how to play offense with your money is more important than ever. Because recessions don’t make people poor. They make the rich richer… if they know what they’re doing. I teach you exactly how inside my free How to Get Rich in a Recession masterclass. The strategies, the systems, the mindset—and the math.

I asked ChatGPT what would keep someone broke forever… and the answers were exactly why most people never build wealth. And the truth is, I used to do all of them. I went from $40,000 in debt to millionaire at 30, and now, with over $5 million invested, I never have to trade time for money again. I didn’t come from money—I just learned how to play the game the right way. Most people stay stuck financially because they were never taught how money actually works. But that’s what I do—I teach women how to break out of the paycheck-to-paycheck cycle, start investing, and build multiple income streams so they can live life on their terms. If you’re ready to stop struggling and start building real wealth, check out my free trainings or apply to work with me. Let’s get you unstuck. ⬇️

Went from “what’s a stock?” to “my portfolio pays me more than my 9-5 ever did.” Investing > hustling. Always. Free masterclass in bio if you’re done playing small.

The rich know how to profit from them. Do you? Most people panic when the market dips. They sell at a loss. They wait for things to “get better.” Meanwhile, the wealthy? They stay calm, they invest, and they walk away richer. I know because I've done the same thing. While others were scared, I was making moves that helped me lock in my first million. My returns? Insane. This strategy is why I’ll continue to grow my wealth no matter what happens in the economy. The reality is, recessions are designed to make the rich richer. The only question is… are you playing the game, or are you getting played? If you’re tired of feeling stuck, waiting, and hoping things will change—this is your wake-up call. The people who prepare now will be the ones who come out ahead. Inside my 3-month coaching program, I teach you exactly how to: ✅ Increase your income so you have more to invest ✅ Build a portfolio that makes $$$ ✅ Put the systems in place so you never have to stress about money again The people who learn how to play the game now? They’re the ones who will be thriving while everyone else is struggling. 🔥 If you’re ready to stop sitting on the sidelines and start building wealth the way the rich do, hit the link in my bio and apply now.

You don’t have a budgeting problem. You have a nervous system problem. If you’ve ever avoided checking your bank account, put off paying bills until the last second, or felt paralyzed when making financial decisions—you’re not bad with money. Your brain is just running an old survival pattern. This is what I wish someone had told me when I was struggling. I thought I just needed more self-discipline. I thought if I could just stick to a budget, everything would be fine. But no matter how many times I tried to get my finances together, I would fall right back into old habits. Because I didn’t just have a money problem—I had a money trauma problem. And you can’t out-budget your way out of that. That’s why I don’t just teach my students the million-dollar tactics—like the best investing strategies, the exact accounts to use, and the fastest way to pay off debt. I also teach them the why behind their patterns, so they can finally break free from them. Because if you don’t understand why your brain is sabotaging you, no amount of financial advice will ever stick. When you heal your relationship with money, the tactics become easy. The stress disappears. And you can finally build the wealthy, secure life you’ve been dreaming of. This is exactly what we do inside my 3-month financial coaching program using the tips, tools, and strategies I used to go from $40,000 in debt to millionaire at 30. If you’re ready to stop self-sabotaging and actually get ahead for good—link in bio.

"This is 2008 all over again." That’s what @tiffanycianci said in a video that absolutely shook me. And after looking into it, I have to admit… she’s onto something. Private equity firms are buying up profitable businesses, saddling them with adjustable-rate debt, and then watching them collapse as interest rates rise. The worst part? The banks are bundling up that bad debt and selling it to pension funds—meaning everyday people are the ones who will pay the price. This is exactly why you cannot rely on a pension or the government to secure your future. You have to take control of your money. Here’s how to protect yourself: ✅ Invest for yourself—don’t rely on a company pension alone. ✅ Diversify—own assets that grow over time (stocks, real estate, etc.). ✅ Keep cash reserves—so you’re never forced to sell in a downturn. ✅ Stay informed—because the people making these financial moves are. I’ve made thousands of videos on how to take control of your financial future. Check them out on my page or head to my website for free trainings on how to build real wealth—so no one else gets to decide your financial future.

The market doesn’t wait for the economy to “feel better.” It moves first—and if you don’t understand that, you’re already too late. The wealthy aren’t scared of recessions. They leverage them. Because while most people wait for permission, they’re positioning for growth. If you want freedom, safety, and options—investing is how you buy them. And this video will show you how. Watch it. Save it. Share it. Then get inside my free How to Get Rich in a Recession Masterclass. Link’s in bio.

These are the 5 steps to becoming a millionaire. And no, they don’t include restrictive budgeting, cutting lattes, or depriving yourself of the things that make life fun. This is the Making Money Moves Method—the exact process I used to go from $40,000 in debt to millionaire at 30. It’s also the method I’ve taught thousands of students who have: ✅ Built six-figure investment portfolios ✅ Paid off tens of thousands in debt ✅ Set themselves up to retire early ✅ Bought their first homes ✅ Taken multiple dream vacations a year ✅ Paid for weddings in cash ✅ And finally felt financially secure & free And NONE of it required a budget. I don’t teach budgeting because budgets don’t make you rich. Most people focus on a tactic—'track every dollar,' 'cut back spending,' 'follow a strict plan'—but a tactic is just an action. And your actions come from your beliefs. If you don’t shift the way you see money (and yourself), no amount of planning, saving, or investing will work. You’ll: ❌ Try to 'be good' with money, but constantly feel like you’re failing because you don’t have a real strategy ❌ Start investing, but panic-sell when the market drops because you haven’t built financial confidence ❌ Make more money, but still feel broke because your mindset keeps you in survival mode ❌ Feel guilty for spending instead of learning how to build wealth while enjoying your life That’s why my method starts with mindset first. And that’s why my students don’t just make more money—they actually keep it, grow it, and use it to build their dream lives. If you want to learn how this actually works, drop MONEY in the comments and I’ll DM you a link to our latest coaching call for free. Or, if you’re serious about building wealth and ready to work with me, apply at the link in my bio. Your future self is waiting—let’s go. 🚀

A dollar today is worth more than a dollar tomorrow. That’s called the time value of money—and it’s the reason investing early is a total cheat code. Because when you invest, your money earns money. And then that money earns money. The longer it has to grow, the harder it works. $1 invested at 20 = $72.89 $1 invested at 30 = $28.10 $1 invested at 40 = $10.83 $1 invested at 50 = $4.18 Same dollar. Different outcome. That’s why you need to learn this now. I went from $40,000 in debt to millionaire by 30—not by saving harder, but by getting smarter. And now I teach women how to build wealth without giving up what they love. If you want to learn how to actually grow your money (even if you’re starting small), watch my free masterclass: How to Get Rich in a Recession. Link’s in my bio.

I went from $40k debt ➡️ millionaire at 30 by learning how money works. Ready to lock in? Check out my website to start your journey from broke girl to rich girl ✨️

Ever notice how the rich never seem shocked by market moves? That’s because they’re not reacting to headlines—they’re reading the signals behind them. And this week? The signals are loud. Trump paused EU tariffs, the market rallied, and bond yields dropped. Most people see green candles and think “we’re back!” But wealthy investors? They see a setup. They know when yields fall, it often means big money is moving to safety—or betting on rate cuts. They know the Fed is quietly preparing for a shift. And they know moments like this are when long-term wealth is built—not when things “feel safe.” If you’ve ever felt confused by market news or wondered what to actually do when the economy is shaky… This is your moment. I break it all down—step by step—in my free “How to Get Rich in a Recession” masterclass. Click the link in bio to start building wealth like the rich do.

I don’t argue with people I’ve already lapped. I built a $5M portfolio—not by playing small, not by waiting until I “felt ready,” and definitely not by taking advice from people who’ve never built what I have. I started with $40K in debt and a deep belief that life could be different. I didn’t grow up wealthy. I wasn’t handed a roadmap. I studied what the rich actually do with their money—and now I teach other women how to do it too. I’m the author of one of the top personal finance books for women. I’ve been featured in Fox, CBC, Financial Times. And I’ve helped thousands of women take control of their money, build wealth, and stop playing small. If you think it’s impossible, it will be—for you. You see limits. I see opportunity. That’s why I’m rich and you're stuck in your mom's basement.

Money lessons from a self-made millionaire you won’t learn in school ⬇️ When the market is shaky, most people panic. The rich? They see opportunity. I went from $40,000 in debt to millionaire status by 30—not by timing the market, but by understanding where to put my money, no matter what’s happening. Here’s how I’m investing before the next crash and why the wealthy are doing the same. Watch now. Want to learn how to build wealth without stressing about the market? My free investing class is the perfect place to start. Find it on my website under FREEBIES 🤍

Before you spiral, read this ⬇️⬇️ Wealthy people don’t panic when the market drops. They take advantage of it. Most people freak out, sell at a loss, and lock in their mistakes. But smart investors? They know that downturns are where wealth is built. ➡️ “So do you only invest when the market is down?” Nope. I still dollar-cost average every month because if you’re investing for decades, that’s the move. But when I see a big dip (aka stocks on sale), I always put more in if I have extra cash. ➡️ “What if the market keeps dropping?” No one can time the bottom perfectly. That’s why I DCA and add extra during dips. Historically, the market has always recovered—and when it does, buying low means you profit even more. ➡️ “I don’t have extra money to invest right now—what should I do?” This is exactly why you need to focus on earning more and managing your money better. If you don’t have cash available to invest, that’s a sign you need a plan to increase your income and free up money—something I help my students with every day. ➡️ “Are all stocks down?” Nope! This is why diversification matters. The S&P 500 is down, but globally diversified funds aren’t dropping the same way. My portfolio isn’t just one thing—I take a total market approach so I’m not fully dependent on U.S. stocks. ➡️ “Isn’t this risky?” Investing always has risks—but not investing is a bigger risk. If you leave your money sitting in cash, inflation is eating away at it. Long-term, investing has been the best way to grow wealth. If this still feels overwhelming, my free Investing Masterclass breaks it all down for you—how to start investing, what to invest in, and how to build wealth while you sleep. Click the link in my bio to watch it now. Or if you’re ready to go all in—saving more, making more, investing more—apply to work with me as your seven-figure mentor. Let’s get your money working for you.

Teaching you the strategies I use to manage my 7-figure portfolio—because investing isn’t just for the rich, it’s how you get rich. 📈✨ Wanna learn how to build wealth? Watch my free investing masterclass (link in bio) or comment MONEY and I’ll DM you a link to my recent money coaching call for free!

📉 The market is dropping… here’s what the wealthy don’t want you to know 👇 Most people see red in their portfolios and panic. They think, “Maybe I should wait until things feel safer before I invest.” But that’s exactly why most people never build real wealth. The rich? They know downturns are when the biggest opportunities happen. Historically, the market always recovers—and those who invest when prices are low see the biggest gains. 📊 Here’s what the data says: ✅ The 2008 crash? If you invested, you’d be up 150% in 5 years and 300% in 10 years. ✅ The 2020 crash? Those who bought in are up 90% in just 5 years. ✅ The 2022 dip? Recovery is happening, and based on past trends, long-term investors could see major gains. (2020s 10 yr and 2022’s 5/10-year returns are projections based on historical market rebounds.) The biggest mistake isn’t investing at the wrong time—it’s never investing at all. If you’re waiting for the “perfect moment,” you’ll miss out while the wealthy continue getting richer. Want to learn how to invest like the wealthy? I’ll teach you exactly how to get started inside my FREE Investing Masterclass. Click the link in my bio to watch now! 🚀

What I’m doing as a self-made millionaire to prepare for what’s coming ↓ Recessions aren’t just something you survive—they’re something you prepare for. The rich know this, and that’s why they don’t panic. They make moves. Here’s what I’m doing right now (and what you should be doing too): 1️⃣ Increase cash flow – Cutting back alone won’t save you. You need more money coming in. This could mean negotiating a raise, freelancing, or building a second income stream. More cash = more options. My student Sonia did exactly this with our strategies—she negotiated a $25K raise and completely changed her financial future. 2️⃣ Cut unnecessary expenses – Go through your bank statements and see what’s draining your money. Those “small” charges add up fast. Freeing up extra cash now gives you a buffer before things get tight. 3️⃣ Negotiate your bills – Call your internet, insurance, and subscription providers. These companies expect you to negotiate, but most people don’t. A five-minute phone call can save you hundreds. 4️⃣ If interest rates drop, refinance – High-interest debt will suffocate you in a downturn. If rates go down, refinancing could lower your payments and free up cash flow. My student Meg used our strategies to pay off $35k debt and keep it off. 5️⃣ Keep investing when others are scared – The market will dip. People will panic-sell. The rich? They buy when assets are on sale. Annie followed this exact strategy—she went from feeling stuck financially to building a six-figure portfolio because she learned how to take action instead of letting fear hold her back. 🚨 Here’s the truth: most people won’t take action. They’ll wait until it’s too late, and by then, they’ll be stuck. My students? They’re already getting ahead. 💡 If you want to actually thrive in this economy instead of getting hurt by it, you need to learn how to play the game. That’s exactly what I teach in my 3-month coaching program. ✅ You’ll learn how to increase your income, invest for the future, and set up your finances so you never have to stress about money again. My students are already winning. The question is—will you be one of them? 🔥 Spots are limited. Hit the link in my bio to apply.

What other trends have you noticed lately that feel like lowkey recession clues? Princess nails, quiet luxury, everyone suddenly into “clean girl” vibes… it’s not random. These trends don’t just appear—they signal something deeper. As a self-made millionaire who built wealth by studying what the rich do differently (especially in downturns), I’ve learned to read between the lines. Beauty, fashion, lifestyle—they all whisper the same thing if you know what to listen for. If you want to learn how to build real wealth in a recession instead of getting crushed by it… I’ll teach you exactly how in my free masterclass. First link in my bio or www.nobudgetbabe.com/freebies

⬇️ The stock market is STILL dropping—here’s what I’m doing about it. Most people panic when the market drops. I see opportunity. Because here’s what I’ve learned from building a seven-figure portfolio: the people who make the most money in the market play the long game. Now, let me answer some questions before y’all start freaking out in the comments: ➡️ “So do you only invest when the market is down?” Nope. I dollar-cost average every month no matter what. But when I see a big dip (aka stocks on sale), I put in extra if I have the cash available. ➡️ “What if the market keeps dropping?” No one can time the bottom perfectly. That’s why I DCA consistently AND buy more during big dips—because the market has always recovered over time. ➡️ “I don’t have extra money to invest—what should I do?” That’s exactly why you need a plan to make more and manage your money better. If you don’t have cash available to invest, that’s a sign you need to start earning more, cutting unnecessary expenses, and freeing up money for wealth-building moves. ➡️ “Are all stocks down?” No! This is why diversification is key. The S&P 500 is down, but globally diversified funds, bonds, and real estate aren’t dropping the same way. I don’t just bet on one thing—I take a total portfolio approach so my money isn’t tied to just the U.S. ➡️ “Isn’t investing risky?” Not investing is way riskier. Leaving your money in cash means inflation is eating away at it. The wealthy use investing to build wealth while they sleep—and you should too. 💡 Not sure how to start investing? I break it all down in my FREE Investing Masterclass—what to invest in, how to diversify, and how to build wealth long-term. Click the link in my bio to watch it now. Or if you’re ready to go all in—saving more, making more, and investing like the wealthy—apply to work with me as your seven-figure mentor.