My Philosophy

Everyone has the potential to become wealthy (no matter where they are at today) and live the life of their dreams. The secret to achieving this boils down to two things:

Planning & Self-control.

If you can master budgeting and stick to it, there is no limit to the kind of life you can live!


My Mission

Through this blog it is my mission to end financial stress and self-doubt.

I know you can become financially confident, gain self-control, pay off debt, and become wealthy. How do I know you are capable of this? Because I am you.

In 2015 I was scared about my future, I felt physically ill about the amount of debt I was in, and I lacked belief in myself that I could ever learn how to budget (and stick with it!).

I know what it takes to get control of your money, and I know the struggles you are going to face throughout the process. It is my calling to help you achieve whatever your financial goals are starting with the very basic skill of budgeting and progressing to becoming the ultimate money planner. I will share all my tips and tricks, become your biggest cheerleader and provide accountability along the way.

Your new tomorrow starts today!

My History

Hi there!  I’m Rachel, and do I have a story for you!

When people asked 10-year-old me what I wanted to be when I grew up.  I knew. I mean I KNEW in my core that I was meant to be a veterinarian.  I never wavered from this dream of mine and fought my way into vet school by overcoming a few tough obstacles.  The day that I graduated should have been one of the happiest days for me, but it was tainted by this feeling of regret that I had done something bad, and I couldn’t undo it.

I now had this title of “doctor,” but it came at a very high price.  Yes, I’m talking about student loan debt.  My veterinary education, my dream, had cost me $270,000.  I knew the debt I was accruing while going to school, but I convinced myself it was necessary, everyone else was doing it and I could easily pay it back afterward.  What I didn’t think about was how much veterinarians actually get paid, all the additional expenses that come with life that would inhibit debt payoff and the impact it would have on my marriage.

“Normal” people tend to have ~$30,000 of debt,

which is about what my husband had.  Outside of my vet school debt, I also had some additional loans from undergrad. Our total debt load in 2015 was $320,000.  My profession that I was so in love with put me in chains to my debt.

Once the gravity of our debt situation hit me, I became desperate for a way out.  I had been ignoring my finances the entire time I was in school because I didn’t want to face the truth.   Ignoring my debt was easier than admitting I made a mistake and now I had to fix it.

I have never felt so helpless as I did when explaining to my husband how we were in so much debt.  We were at a pivotal moment in our marriage where we could unite to conquer this, or we could let it tear us apart.  We decided to face it head on and fight for financial freedom.

Since then, we haven’t looked back.  Over the last few years, we have radically changed the way we think about and handle our money.  I guess you could say we grew up and learned to tell ourselves “no.” I became a borderline obsessive budgeter, figured out ways to cut our spending, made a debt payoff plan, figured out how to stick with it and we are still going strong today!

By focusing on our goal to be debt free, we have been able to put $70,000 toward paying off debt and cash flowed 2 children (only 16 months apart!).  This journey is not impossible, but we know it is a marathon given our total debt amount.

I don’t ever want to feel trapped by debt ever again.  I know what desperate feels like and I want you to know, it doesn’t have to stay that way.  You can get out of debt!

I went from burying my head in the sand to

taking complete control of my finances.

I can teach you to do the same and I can cheer you on along the way!

Let me take the work out of it for you.  I have been through this from the beginning, and I know what you need help planning for.  Unexpected expenses don’t exist in our home because I have prepared for everything. Take the worry out of your everyday life with a plan.

If you are looking for a way to get out of debt in a day with no effort, this is not the place for you.  I will tell you exactly what works, but you have to put in the work on your end.  I will be here to support you every step of the way, but you have to be committed to helping yourself.

If you are motivated to take control of your money, start budgeting, pay off debt and plan for the life of your dreams, you are in the right place.

Start with some of these posts to see what this is all about.

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