Nicole Victoria | Money Coach

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. ⬇️

The biggest wealth transfers happen during market crashes—but not in the way most people think. When the economy takes a hit, fear sets in, and the average person panic sells their investments, locking in losses. Meanwhile, the wealthy are doing the opposite—buying up stocks, real estate, and businesses at a discount while everyone else is running for the exits. This isn’t a conspiracy—it’s how market cycles work. Markets go through booms and busts, and every major crash in history (think 2008, COVID-19, Dot-Com Bubble) has been followed by a recovery where those who bought low saw massive gains. So how can YOU take advantage of this instead of being one of the people who loses money? ✅ Have an emergency fund—so you don’t have to sell investments at a loss when things get tough. ✅ Pay down high-interest debt—so you’re not drowning in payments when opportunity knocks. ✅ Increase your savings rate—so you have cash ready to invest when the market is down. ✅ Stay invested—so you actually benefit from the recovery instead of missing out. The rich aren’t panicking—they’re preparing. And you can too. 👏 #WealthBuilding #StockMarket #MarketCycles #Investing101 #FinancialFreedom

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.

Espresso martinis just taste better when your money is making more money in the background. The girlies who get it… get it. But if you’re not there yet, don’t worry—I’ve got you. I went from $40K in debt to a millionaire by 30 by learning how to make my money work for me, and now I teach women just like you how to do the same. Want in? Start with my free investing masterclass—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.

And this could mean over $1.1 million added to your net worth—just from one decision. If you’re making $60,000 a year and negotiate a raise (which typically increases your salary by 10-15%), that’s an extra $6,000 a year. That’s $500 more every month. Now, here’s where it gets wild: if you invest that $500 every month over 30 years with a 10% return, you’ll have over $1.1 million. That’s millionaire status—just from one raise. Now imagine if you negotiate multiple times, stacking those increases and funneling the extra income into your investment account. You’ll shorten the timeline to hit millionaire status and reach financial freedom even faster. This is why I teach my students not just how to negotiate effectively, but also how to grow their wealth through smart investing. Want to learn how money works? I’m hosting a free live coaching call on Wednesday, February 26th where I’ll break it all down and show you strategies to build wealth and escape the paycheck-to-paycheck cycle. I went from $40,000 in debt to becoming a millionaire by 30—and I’ve helped thousands of women start investing, negotiate their salaries, and build financial independence. My students have secured 5-figure raises, maxed out their Roth IRAs, and built emergency funds for the first time in their lives. Ready to start? Sign up for the free live call now and take the first step toward your financial freedom. Link in bio 🤍💸

Market crashes make millionaires ⬇️⬇️ But only for those who understand how to tune out the noise and jump on opportunity without emotion. When the markets were crashing during Covid, people panicked and pulled out. But I did the opposite—I invested into assets while prices were down. Now? My returns have been insane because I played the game the wealthy have mastered for decades. This isn’t luck. It’s strategy. And it’s the same strategy no one teaches you in school. When you learn that market corrections are NORMAL (one happens on avg once every two years), that markets move in CYCLES (they swing from really good to really bad, not spending a lot of time in the middle), and that when prices are down this is actually a time to put in MORE (not take yours out, because then you're locking in your losses) you can use downswings to build a lot of wealth. I help people like you learn how to invest, build wealth, and get ahead financially—no cutting back on Starbucks required. I’ll be hosting a free coaching call soon where I’ll be answering YOUR questions using the ssme strategies I used to go from $40,000 in debt to millionaire by 30. 💸 Grab your spot through our link in bio. I'll see you next Wednesday 😍

Spending on others feels easy. Spending on yourself feels selfish. Sound familiar? Women are raised to believe that our value comes from giving. So we overextend, say yes when we should say no, and struggle to keep money for ourselves. But real financial freedom means putting yourself first—without guilt. If you’re ready to start saving, investing, and building wealth on your terms, my free training will change everything. Grab it at the link in my bio.

WHY THIS HAPPENS ⬇️⬇️ I used to avoid checking my bank account because I was scared of what I’d see. The balance was never ‘enough,’ so I thought ignoring it would make me feel better. Spoiler: It never did. The second I started looking at my money daily—even when it scared me—was the second I started actually building wealth. Avoidance keeps you broke. Facing the numbers changes everything. You can know exactly what to do with your money—how to invest, which debt to pay off first, the best accounts to use—but if you don’t change the thoughts and behaviors that created your current financial situation, you’ll keep falling back into the same patterns. Being good with money is 80% mindset and behavior, and only 20% tactic. But most people focus ONLY on the tactic. They look for a quick fix, a budgeting hack, or the “best” investment—without realizing that their beliefs about money are what keep them stuck. If you don’t address the belief, the behavior won’t change. You’ll just keep putting a Band-Aid on the problem, wondering why nothing is actually working. This is why I don’t just teach the million-dollar tactic—how to invest, which accounts to use, the best ways to pay down debt—I also teach you how to change your money mindset and the habits that have kept you stuck. We’re diving deep into both on our free live coaching call on February 26th. Have you grabbed your spot yet? Because this is one you don’t want to miss.

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. 🚀

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.

Replying to @user5706918830554 The biggest risk isn’t investing—it’s not investing. Because if you don’t invest, you will never be able to stop working. 📉 The stock market moves in cycles—sometimes it goes down, sometimes it goes up, but over time, it has always grown. Corrections (drops of 10%) happen every ~2 years, bear markets (20%+ drops) happen every ~5-6 years. But here’s what most people don’t realize… over any 20-year period in history, the market has NEVER produced a negative return. 💸 That means the real risk isn’t a market crash—it’s sitting on the sidelines and letting inflation eat away at your savings while you work for money instead of making your money work for you. 🔥 When the market crashed during COVID, my returns were insane because I bought when everyone else was panicking. Imagine buying a house in 2008 when prices were at rock bottom—that’s how the rich get richer. ⏳ If you only have one income stream (your 9-5), that’s why you feel stuck. You make your money on the buy. If you wait until the market is at all-time highs, you’re paying full price. But if you buy when assets are on sale—that’s the fastest way to build wealth. 🚀 Not investing is actually the bigger risk, because without investments, you will always have to trade time for money. And if you don’t start making your money work for you, you’ll be working forever. Your fav store has a 20% off sale? You stock up. Stocks work the same way. Learn the game or keep sitting on the sidelines. 💸 Check out my website to start your journey.

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!

Spilling the secrets of the rich so you can get here too 🫶 Start your financial baddie journey on our website. Teaching you the tips, tools and strategies I learned going from $40k debt to millionaire at 30.

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 ✨️

📉 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! 🚀

Money moves like chess, not checkers—& the rich know the game. I stopped following middle-class advice and became a millionaire by 30. Ready to learn the secrets? Start your journey at NoBudgetBabe.com

Fix your finances in 7 minutes! If you’ve ever felt like you’re making good money but still have nothing to show for it, this is for you. I’m breaking down a financial audit method I’ve used to help people identify gaps in their money and start making smarter financial moves. ✔️ Spot where your money is actually going ✔️ Cut unnecessary spending without giving up what you love ✔️ Start building wealth with simple, actionable strategies No restrictive budgets. No guilt. Just a clear path to financial confidence. Ready to take control of your money? Start your financial journey today—work with me and check out my website for more! 💸✨