Nicole Victoria | Money Coach

How to Get Rich in 2025—No Gatekeeping What if I told you that getting rich doesn’t have to be complicated? In this video, I’m sharing insights and strategies that helped me go from $40,000 in debt to self-made millionaire by 30. These are the same concepts I teach in my 3-month coaching program, The Makin Money Moves Method. It’s designed to help you shift your money mindset, take control of your finances, and build wealth—without giving up the things you love. As a published author and featured expert in CBC, Fox, Business Insider, and The Financial Times, I’ve helped thousands of students transform their finances. 💡 Start with my free trainings to gain quick wins and momentum toward your goals. Or if you’re ready to change your life in 2025 and looking for more support, apply to work with me as your seven-figure mentor. 📲 Visit my website to get started: nobudgetbabe.com

If this hits home, it’s not because you’re bad with money. Your brain is just doing what it learned to protect you. But you’re safe now—and you can take control. Start rewriting your money story today—link in bio for free tools to help you.

The truth they don’t want you to know about Black Friday deals⬇️⬇️ Black Friday isn’t the massive money-saving event they make it out to be—it’s a carefully planned strategy. Many retailers use a sneaky tactic called price anchoring, where they raise prices weeks before, just so they can slap a 'discount' sticker on it later. That 50% off? It’s often just the original price you could’ve paid last month. The real secret to shopping smarter? Use price trackers like CamelCamelCamel or Honey to see the price history of items before buying. Knowledge is power, babe, and it’s how you can avoid being tricked into buying things you don’t actually need (or saving less than you thought). Ready to save REAL money without giving up your Starbucks, shopping trips, or brunch dates? Join my free 30 Days to 100K training, where I’ll show you how to stop wasting money on what doesn’t matter and start spending on what brings you joy. The link’s in my bio—don’t miss it!

@Sheila🧿 The system isn’t broken—it’s rigged. Growing up riding the poverty line, I thought struggle was just part of life. But now? I see how the rules are stacked against us to keep us trapped in debt, overworked, and chasing someone else’s dream. I went from $40,000 in debt to a millionaire by 30—not by playing their game, but by learning the truth and creating my own rules. If you’re tired of being a pawn in their system, it’s time to take back your power. Start with my free training—because freedom starts with knowing better. Link in bio. Let’s go!

The biggest financial decision you’ll ever make isn’t what to invest in—it’s who you choose to marry. The wrong partner can sabotage your financial goals, drain your energy, and force you to work twice as hard to clean up the mess they leave behind. 👉 Maybe they’re hiding purchases or lying about debt (financial infidelity). 👉 Maybe they disregard your goals, leaving you to take two steps back for every one step forward. 👉 Or maybe they just don’t care about building a shared vision for the future. This isn’t just about money—it’s about respect, teamwork, and alignment. And when you and your partner are not on the same page, it’s almost impossible to build real wealth together. That’s why one of the FIRST things I teach my students in my 3-month coaching program is how to get your partner on board with your goals. We talk about how to: ✨ Start having money dates that actually work. ✨ Align your visions so you’re working together, not against each other. ✨ Build a plan you’re BOTH invested in. And the results? Incredible. 💡 I’ve had students pay off tens of thousands of dollars in debt while building savings with their partner. 💡 Others started investing for the first time as a team. 💡 Many tell me they feel closer and more supported in their relationship than ever before. The truth is, when you’re aligned with your partner, everything becomes easier—your finances, your relationship, your life. So if you’re ready to level up in 2025, this is your sign. My 3-month coaching program The Makin Money Moves Method is open now, but spots are limited. ✔️ Get clear on your goals. ✔️ Align with your partner. ✔️ Build the wealth and life you both deserve. Click the link in my bio to join us now. Let’s make 2025 your breakthrough year—together.

Growing up, my parents did the best they could. My mom stayed home with me and my sister for 10 years, and when she re-entered the workforce, she was underemployed. My dad fought cancer and a workplace injury that forced him to sell his belongings just to make ends meet. I thought struggle was normal. That money would always disappear. So in my 20s, when I started making money, I didn’t feel safe with it. I spent it as soon as I got it, avoided my bank account, and felt guilty for everything. I thought I was bad with money. But here’s what I’ve learned: being good with money isn’t about how much you make—it’s about what you believe about money. Most personal finance advice only gives you tactics—“stop spending,” “budget better,” “invest your money.” And while those things matter, they don’t fix the real problem. ✨ Overspending. ✨ Living paycheck to paycheck. ✨ Feeling like you’ll never have enough. These are just symptoms. Symptoms of a deeper issue—fear, scarcity, and beliefs you didn’t even realize you were carrying. That’s why the way I teach is different. Yes, I’ll teach you the million-dollar tactics—how to invest, where to put your money, and how to grow it. But I’ll also teach you why you’re doing what you’re doing—and how to stop. Because you can’t fix your finances without healing your relationship with money. 🧠 That’s why we have a therapist on staff to help our students heal those beliefs. 📈 And why we teach mindset, self-love, and investing—because you can’t build wealth if you don’t feel worthy of it. I’ve been where you are. I went from growing up riding the poverty line to becoming a millionaire by 30. I broke the cycle. And I can show you how to do the same. You’re not bad with money. You just haven’t been given the tools to change. If you’re ready to stop treating the symptoms and start fixing the real problem, check out my website 🫶

The wealthy don’t save their way to wealth—they grow it 👇 When I was in my 20s, I thought saving every penny was the answer to building wealth. Spoiler alert: it’s not. Saving alone won’t make you rich—it just keeps your money sitting still. I didn’t save my way to a million dollars. I grew my way there. I learned how to invest, let compounding do the work, and by 30, I was a millionaire. The best part? You don’t need to be a finance expert or have a huge paycheck to start growing your money. I’ll show you how in my free investing masterclass. Let’s grow your wealth, babe. You’ve got this!

I teach you how to stop living paycheck to paycheck and start making your money work FOR you 👇 As I was filming this, I didn’t even make it to the other side of my bathroom before the video ended. And here’s the wild part—my bathroom now is bigger than the bedroom I grew up in. But let me tell you, it wasn’t always like this. In my 20s, I was $40,000 in debt, living paycheck to paycheck, and felt like I was drowning. Then I learned the secret: the rich don’t just save money—they grow it. I started investing, building passive income, and by 30, I was a millionaire. Now, I’m here to teach you how to do the same—so you can grow your wealth and create the freedom you’ve always dreamed of. Ready to take the first step? Join my free investing masterclass and let’s get started. Grab your spot on my website under FREEBIES 🤍

You’ve probably heard this BS before. I used to believe it too. Growing up broke, I thought happiness came from learning to live with less. But here’s the truth no one tells you: money is the ultimate cheat code. Because now that I’ve built wealth, I can: ✔️ Hire help when I need it. ✔️ Pay for private healthcare without waiting for months. ✔️ Travel without stressing about money or time off. ✔️ Go to the spa if I’m overwhelmed or burnt out. ✔️ Treat myself and my family without guilt. Money didn’t change who I am. But it solved 95% of the problems that used to make me unhappy. It gave me freedom. The freedom to focus on what actually matters—living a life I love. That’s why I created The Making Money Moves Method, my 3-month coaching program designed to help you take control of your finances and start building real wealth. I teach you what the rich know but never share: 🔑 How to make your money work for you. 🔑 How to grow wealth through investing. 🔑 How to break free from paycheck-to-paycheck stress. These are the same strategies I used to go from $40k in debt to millionaire status by 30—and I didn’t have to give up my Starbucks or live on rice and beans to get here. But it’s not just my story. My students have: 🔥 Paid off tens of thousands in debt. 🔥 Negotiated five-figure raises. 🔥 Built five-figure emergency funds. 🔥 Started investing for the first time. This could be you, too. Wealth isn’t reserved for “other people.” It’s waiting for you if you’re ready to take the first step. Click the link in my bio to apply for my program and join the hundreds of women who have already transformed their lives. Your dream life isn’t out of reach. You just need the right plan. Let’s make it happen together.

You don’t need a finance degree to start investing—what you need is a proven strategy that works. If you’ve ever thought, “Investing seems too complicated,” or “What if I lose everything?”—let me stop you right there. You’ve been lied to. The stock market isn’t just for “rich people.” It’s how people like YOU build wealth, break free from paycheck-to-paycheck stress, and create the kind of life where you can finally breathe easy. Imagine this: Your money growing while you sleep, your future self thanking you for every smart choice you made in 2025—and it all starts with understanding how to make your money work for you. In my FREE Investing Masterclass, I break it down step-by-step: 💸 No fluff. No intimidation. 📈 The exact strategies I learned on my journey to millionaire status in my 30s. ✅ How to grow your money, even if you’ve never invested before. Why wait until “someday”? The longer you wait, the more you lose out on potential growth. Let 2025 be the year you take control. Learn how to invest confidently, build wealth, and set your future self up for the financial freedom you deserve. 🔗 Ready to learn? Click the link in bio and sign up now—it’s FREE, and your future self will be obsessed with the life you’re building. Because wealth? It’s not just for “other people.” It’s for YOU. Let’s freaking go!

Here’s the deal: when you invest, your money doesn’t just grow—it starts working for you. This magic is called compounding. Your money earns returns, then those returns earn returns, and it keeps snowballing. That’s why starting early is so powerful—your money has more time to grow. Here’s an example: If you start at 20 and invest $5,000 a year for just 10 years, you could have $1 million by 60. But if you wait until 30, you’d have to invest for 30 years just to end up with less. Time is the secret weapon of building wealth. But listen, if you didn’t start early, it’s NOT too late. There’s no shame, no blame—because we can’t change the past, but we CAN change the future. Even starting now with whatever you have will make a difference. Something is always better than nothing. You deserve to feel financially free, and it starts with taking that first step. Ready? Let’s freaking go: grab your spot on my website under FREEBIES 🤍

They’ve been lying to you your whole life, babe. The system isn’t broken—it’s rigged to keep you stuck. They sold you the American Dream: work hard, get a good job, buy a house, and save for retirement. But here’s the truth: ✨ Jobs only pay you enough to keep you coming back. ✨ Debt keeps you in a cycle of payments. ✨ Saving isn’t enough—inflation is eating away at your money. The rich don’t play this game. They invest, build assets, and let their money work for them. If you’re tired of playing by their rules, it’s time to learn how money actually works. Start investing. Start building assets. Start creating freedom for yourself. The system isn’t going to change—but you can. Let’s freaking go!

Recessions Make Millionaires 💅 Some analysts are predicting that both Canada and the US could be heading into a recession—and there are signs all around us that suggest change is coming. Anecdotally, I've noticed shifts in the content people post on social media, conversations people are having, and even the types of applications coming into my programs. One major red flag? Walmart reportedly ordered 80% less inventory for the holidays this year—an alarming sign of caution from one of the largest retailers in the world. We're also seeing changes in which businesses are thriving and which are struggling. When stock prices fall, most people panic—but this is exactly where opportunities lie. If you want to come out ahead, start preparing now. ✅ Build your emergency fund ✅ Pay off high-interest debt ✅ Negotiate a raise ✅ Reduce unnecessary expenses so you can save more If you're financially prepared when a recession hits, it can actually be a positive, not a negative. During stock market pullbacks, I’ve invested more, and that strategy has exponentially increased my returns. This doesn’t mean I stop investing consistently over time, but if I see the market pull back by 10% or more, I’ll take advantage by investing extra if I have the funds. The lesson? Preparation beats panic every time. Start building your financial safety net now so you can seize opportunities when they arise. Want to learn how to set yourself up for success? Join my free investing masterclass today and take the first step. Let's get you prepared to thrive!

🎅🏼 Babe, what if I told you locking in your millionaire status in 2025 could be as easy as transferring $10 a day into your investing account? Let me break it down for you (because your future rich self deserves this): 1️⃣ Start by automating $10/day: It’s the price of a Starbucks run or a quick Uber Eats delivery—but instead of sipping lattes, you're building your future wealth. Automating this makes it effortless—out of sight, out of mind, but still growing. 2️⃣ Where to invest: Wealthsimple, Questrade, Fidelity, or Vanguard: These are platforms (a.k.a. brokerages) where your money can actually start working for you. Think of them as the tools to turn your cash into long-term growth. (P.S. They’re super beginner-friendly!) 3️⃣ What to invest in: Asset Allocation Funds or Target Date Index Funds: These are like pre-packaged little money machines. They’re diversified (spread your money around to reduce risk) and super simple to set up. Just pick one based on your goals and timeline, and let it do its thing. 4️⃣ Why $10/day matters: At 10% annual growth (average return of the stock market), $10 a day can grow into over $1 MILLION by the time you retire. The earlier you start, the bigger the results, thanks to the magic of compounding—aka, making money off your money. So yeah, this is your Christmas present to future you. 🎁 Invest $10/day, and you’re locking in financial freedom, babe. Because while everyone else is out here overspending on holiday sales, you’re making moves that’ll pay off for decades. 🎄 Want to learn more about how to make your money work for YOU? My free investing masterclass breaks it all down step by step—no confusing jargon, just results. Hit the link in my bio to grab your seat. Let’s make 2025 the year you start building your legacy! YESS, LET'S FREAKING GOOOO!!! 🎉

I know this because I’ve done it. In my early twenties, I was $40,000 in debt with no idea how to handle money. But instead of staying stuck, I decided to learn how money works. That knowledge completely changed my life—by 30, I became a self-made millionaire. Here’s how it works: If you invest $200/month into the stock market (think the S&P 500, which has averaged a 10% return over the last century), compound growth could make you a millionaire by the traditional age of retirement. Want to get there faster? Start earlier, invest more, or utilize other strategies like real estate or leverage ✨️ My success was fast-tracked because I also leveraged real estate alongside investing in the stock market. While stock market investing is a no-brainer for 99% of people, real estate is another powerful way to grow wealth—though it does have some barriers to entry. I teach my students how to use both strategies to accelerate their financial freedom. If you’re ready to stop feeling stuck and start building wealth, I created a FREE Investing Masterclass to show you exactly how I did it—and how you can too. 🎯 Click the link in my bio to watch it now!

Replying to @kleo1207 Comments like this 👀❤️ This is exactly why I do what I do. Babe, if she could pay off $40,000 in debt just from my free content and is now focused on building wealth in 2024, imagine what you could achieve if we worked together. I went from $40,000 in debt to millionaire at 30 because I studied the rich and applied their strategies to my life. And now? I’ve helped thousands of students do the same. Wins like... 💸 Paying off tens of thousands in debt 📈 Building six-figure investment portfolios 💼 Negotiating massive raises (like $20k+!) ✨ Creating lives they’re obsessed with—without giving up what they love And the best part? The path to success doesn’t have to feel impossible. When you have the roadmap laid out for you, it’s simple. I’ve already made all the mistakes, so you don’t have to. My entire account is about teaching you what you should have learned in school—the things that actually matter and help you get ahead. I have 4 free money trainings available right now that can help you take your first steps toward financial freedom. Let me show you how to stop feeling stuck and start building the life of your dreams. Because if I can do it, you can too. Let’s freaking go!!! [Link in bio to get started with my free trainings!]

Make 2025 the year you take control of your finances. Here's the truth: I started my journey to becoming a millionaire while making $50,000 a year. The key? Financial literacy, saving smarter, and investing strategically. Now, I teach my students the exact step-by-step methodology I used to build wealth without sacrificing their lifestyle. If you're tired of feeling stuck and ready to start building real financial freedom, my FREE Investing Masterclass is the perfect place to start. Don’t wait—your future self will thank you. 💸

The key to financial freedom isn’t about depriving yourself—it’s about making intentional choices that align with your bigger goals. 💸 As someone who went from $40,000 in debt to building a seven-figure net worth, I can tell you this: every ‘no’ today is building the foundation for a ‘hell yes’ tomorrow. Your money should work as hard for you as you do. What’s one goal you’re prioritizing right now? Let me know 👇

⏬ What they don’t tell you about choosing the right investment... Most people think the highest return automatically means the best option—but that’s not true, babe. Imagine this: You put your money in stocks hoping for that 10% return, but then the market drops right when you need it. Now what? If you’ve got short-term goals, you need guaranteed returns—like GICs/CDs. But for long-term goals? Playing it safe with 1-5% could mean you’re losing money to inflation and missing out on major growth. The best investment isn’t about chasing the highest return—it’s about finding what fits YOUR timeline, goals, and tolerance for risk. Want to learn how to build a portfolio that works for you and actually grow your money? 🎓 Sign up for my FREE investing masterclass—because guessing isn’t a strategy. 👉 grab your spot on my website under FREEBIES 🤍

You’re losing money every single day you don’t invest.👇 Here’s the truth: I went from $40,000 in debt to millionaire by 30—and it wasn’t because I worked harder or made more sacrifices. I learned how to make my money work for me through investing. The best part? You don’t need to be rich to start. In fact, investing is how you get rich. I know it sounds overwhelming, but it doesn’t have to be. That’s why I created a free 90-minute investing masterclass to teach you: ✅ How to get started, even if you have no experience ✅ The exact investments you should focus on (no confusing jargon) ✅ How to make your money grow without sacrificing your lifestyle Whether you’re living paycheck to paycheck or you just want to build wealth faster, this is the year to take control of your financial future. Click the link in my bio to join the free masterclass and learn the strategies that changed my life forever. Your future self will thank you.💸