Nicole Victoria | Money Coach

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’ve been deep down the TikTok rabbit hole watching these videos where people are showing you the actual Chinese manufacturers that make the products for all these massive brands—Hermès, Louis Vuitton, even random things like dishwasher pods—and how you can go direct to the supplier and get it for a fraction of the price. And I don’t think it’s a coincidence that all this is blowing up right now—like, the US is slapping China with tariffs, and suddenly TikTok (which China owns, by the way) is flooded with videos showing you how luxury brands are marking up $1,000 bags to $38,000 just for a label. It’s giving: “You want to hit us with tariffs? Cool, we’ll tank your luxury market by showing people the receipts.” And listen, this isn’t me hating on designer. You wanna spend $6K on a bag? Go for it. But I had this exact moment recently where I was looking at a Louis Vuitton bag I loved—$6,000—and I was like… I could totally afford it. But then I thought about my real life. I’ve got two kids. That bag is gonna be full of crushed granola bars and banana peels and water bottles from the park. Like… why am I spending that much on something I’m scared to actually use? So I bought the dupe. And it’s gorgeous. And even if it wasn’t exactly the same, it’s close enough that my happiness didn’t increase by $5,900 with the real thing. Because the truth is: it’s not about the quality. It’s about the feeling they sold you. If spending more money makes you feel better than someone else—it’s not confidence. It’s marketing. They’ve convinced you that your value goes up when your price tag does. And that’s how they keep you broke. This isn’t about judging how you spend your money. It’s just about asking yourself why. Like—could you have gotten more joy by putting that same money into something else? A trip? An experience? An investment that actually pays you? Because money isn’t meant to be hoarded or spent with guilt. It’s meant to make your life better. But only you can define what that looks like. So tell me—what’s the wildest thing you’ve seen on TikTok that was way cheaper when you went straight to the source? I’m nosey and I wanna see what else we’ve all been overpaying for.

The rich want the market to crash. Here’s why you should too: Because if you’re still investing, a down market means one thing—everything’s on sale. More shares for less money = more wealth in the long run. And before anyone comes for me in the comments—YES, the stock market has a 100% recovery rate over time. But individual stocks? They don’t. That’s why I don’t teach stock picking. The goal isn’t to gamble—it’s to grow. And the data shows us: A well-diversified, long-term portfolio is the strategy that actually works. Stop trying to outsmart the market. Start learning how to build wealth with it. Free investing masterclass linked in bio. Go watch it.

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 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.

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.

The market just had its biggest drop since 2020… and today it’s falling even further. I’ve been waiting for this. In this video, I’m breaking down exactly what I’m doing with my opportunity fund, and how I’m making smart, data-informed moves in this market. Important: This strategy does not apply to individual stocks. This is based on historical data for diversified, long-term investors—people investing in things like index funds or all-in-one ETFs. Do not invest money you need in the next 5 years. Long-term investing means long-term money. I’ve got a brand new free training coming out soon called How to Get Rich in a Recession—it’s going to change the way you think about building wealth in a downturn. Make sure you: ✨ Turn on post notifications 📧 Get on my email list 🎓 And in the meantime, go take my free investing masterclass to learn step-by-step how to buy your first stock with confidence. Because when markets drop… wealth gets built. Let’s make money moves.

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.

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 truth is… every rich person I know has done something that looked crazy to everyone else. They invested when it felt risky. They made moves that didn’t make sense to anyone but them. They stopped listening to people who didn’t have what they wanted. Meanwhile, the realistic ones? Still waiting for the right time. Still playing it safe. Still wondering why nothing’s changing. I didn’t build wealth by being practical. I built it by refusing to shrink my vision just to fit in. If you’re ready to stop playing small and start building real wealth—even in a recession— my free masterclass is where you start. It’s called How the Rich Get Rich in a Recession for a reason. Link’s in my bio. Come learn how to play the game like the rich do.

I went from $40,000 in debt to millionaire by 30—not because I cut out lattes, but because I learned how the rich actually grow their money. And spoiler alert: it’s not by hoarding cash in a savings account. If you’re ready to stop playing small and start making your money work for you, I made you a free training: How to Get Rich in a Recession. It’s packed with everything I wish I knew sooner. Because it’s not if a recession hits… it’s when—and the people who win are the ones who prepare. Watch the free class at https://www.nobudgetbabe.com/how-the-rich-make-money or grab your spot through my link in bio 🫶

I wasn’t planning to drop this right now. I wasn’t planning to launch anything. But the market could be a BLOODBATH tomorrow — and I need you to be ready. Most people will panic. They’ll freeze. They’ll sit this one out and miss one of the biggest wealth-building opportunities of the year. Not you, babe. Not on my watch. I just released my brand new free training: How to Get Rich in a Recession. It’s 90 minutes of straight up clarity — no fluff, no fear, just exactly what you need to know to build real wealth (even when everyone else is freaking out). Grab a snack, put your phone on do not disturb, and give this to yourself. Your future self is going to thank you. Link’s in bio. Go get it.

How this works ⬇️⬇️ Most people think you have to be rich to invest. But the truth? Investing is how you get rich. If you front-load your investments early—even just $75/week from age 20 to 30—you can hit millionaire status without investing a single extra dollar after 30. This is called Coast FIRE. And it works because of compound interest. But here’s the catch: the sooner you start, the less you need to invest. Investing doesn’t have to be complicated. You don’t need to day trade, chase hot stocks, or “know what you’re doing.” Simple, boring, globally diversified index funds like VT 🇺🇸 or VEQT 🇨🇦 will do the heavy lifting for you. I went from $40K in debt to millionaire by 30 using these strategies—and now I teach women how to do the same. 👉 Come to my free “How to Get Rich in a Recession” masterclass to learn the exact steps.

The market is crashing again. And honestly? We saw this coming. This week’s rally wasn’t based on data—it was emotion, fueled by a last-minute tariff pause and one viral Truth Social post. Now that reality is setting back in—and the trade war is still very much on—the market is correcting fast. I’m Nicole Victoria—former broke millennial turned millionaire by 30. I teach women how to build real wealth in uncertain times using strategies that actually work. If you’re tired of guessing, panicking, or sitting on the sidelines… Go watch my free training: “How to Get Rich in a Recession.” It’s the first link in my bio. Because fear doesn’t build wealth. Strategy does.

The market just flashed something called a death cross—and while it sounds terrifying, let me break it down for you. It’s a chart pattern that shows up when the market’s short-term trend drops below its long-term trend. Basically: things have been bad recently… and people are starting to get nervous. But here’s the thing—just because it happened doesn’t mean we’re heading for a crash. In 2020, the same pattern showed up right before one of the biggest market rebounds ever. So no, this isn’t a crystal ball. But it is a reminder that you need a plan. I’m Nicole Victoria—former broke millennial turned millionaire by 30. I teach women how to build wealth, even in uncertain markets. If you want to learn how to protect yourself, invest with confidence, and recession-proof your finances, go watch my free training: “How to Get Rich in a Recession.” It’s the first link in my bio. If you have trouble accessing it, email us at support@nobudgetbabe.com and we’ll help you out. Because panic doesn’t build wealth. But strategy does.

The market just had its best streak since 2004… and that might actually be a bad thing. Here’s what nobody’s telling you: When stocks shoot up this fast, it can signal we’re nearing a blow-off top—basically, the calm before a crash. Tom DeMark—who called the 2022 top—is saying we’re almost there. His model shows the market could fall 20% from here. Scary? Only if you don’t understand what this actually means. Because smart investors? They don’t panic when things drop—they prepare. They build cash reserves. They buy when prices are low. They think long-term. After every major market drop in history, we’ve seen massive rebounds. But most people miss them because they’re too scared to invest when things are ugly. If you want to learn how I used this strategy to build a 7-figure portfolio—and how you can too—I’m breaking it all down in my free investing masterclass. Link’s in bio. Go get it.

Maybe. And if it is, you should be excited. Because here’s what most people don’t realize: Some of the best days in the stock market happen during the worst. Literally—data shows that if you miss just a handful of the market’s best days, your long-term returns take a massive hit. And those best days? They often happen right next to the crashes. That’s why wealthy investors don’t run when things dip. They get ready. Because stocks go on sale, and they know how to buy right. Historically, the market rebounds strong after crashes. Average 1-year return after a big drop? Over 35%. 3-year? 58%. 5-year? Over 100%. So yeah, if this is the start of something big—it’s also your biggest opportunity to build wealth. But only if you’re ready. If you’re still living paycheck to paycheck even though you make good money, scared to invest, or unsure where your money’s even going—you won’t be able to take advantage of moments like this. That’s why I created my free How to Get Rich in a Recession Masterclass. Because the market doesn’t wait until you feel ready. But when you learn how to get your finances in order now, you’ll be the one buying when everyone else is panicking—and that’s how people build wealth.

This exact market move has only happened 15 times in the last 75 years. And every single time, the market was significantly higher 5 years later—on average, up 91%. But that doesn’t mean it’s a straight line up. In fact, in many of those cases, a recession hit shortly after. The difference is that wealthy people don’t run from recessions. They use them. If you want to learn how to invest through uncertainty and build real wealth in a shaky economy, I’m breaking it all down in my free masterclass: How to Get Rich in a Recession. No jargon. No fluff. Just the actual strategies I used to go from $40k in debt to millionaire by 30. Click the link in my bio to grab your spot.

Giving you the step-by-step, because panicking isn’t a plan. I’m a financial educator, and this is literally what I do—I teach the stuff we should have learned in school. If you’re freaking out about retirement, no savings, no 401(k)… I got you. You’re not behind because you’re lazy or bad with money. You’re behind because no one ever taught you what to do. But that ends now. If you're ready to close the gap between where you are and where you want to be, head to my website under "Freebies" to get started. We’ve even got a quiz to help you figure out exactly which free training is best for your situation. Because it’s not that you can’t do this—you just need someone to show you how. I’m here to do that.