#  @nobudgetbabe Nicole Victoria | Money Coach Nicole Victoria, a money coach, is emphasizing the importance of preparing for and leveraging market downturns to build wealth. She encourages viewers to invest wisely, not save their way to wealth, and understand key financial concepts like the rule of [--] and time value of money. Her focus is on educating people on smart financial moves to achieve financial safety and security. ### Engagements: [------] [#](/creator/tiktok::6827842654056416261/interactions)  - [--] Week [-------] -24% - [--] Month [-------] +53% - [--] Months [---------] -51% - [--] Year [----------] -29% ### Mentions: [--] [#](/creator/tiktok::6827842654056416261/posts_active)  - [--] Week [--] -3.30% - [--] Month [---] +10% - [--] Months [---] -7.60% - [--] Year [---] +151% ### Followers: [---------] [#](/creator/tiktok::6827842654056416261/followers)  - [--] Week [---------] -0.03% - [--] Month [---------] -0.24% - [--] Months [---------] +0.23% - [--] Year [---------] +8.20% ### CreatorRank: [-------] [#](/creator/tiktok::6827842654056416261/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) 100% [stocks](/list/stocks) 8.77% [countries](/list/countries) 3.51% [financial services](/list/financial-services) 2.63% [technology brands](/list/technology-brands) 1.75% [fashion brands](/list/fashion-brands) #4072 [social networks](/list/social-networks) 0.88% [cryptocurrencies](/list/cryptocurrencies) 0.88% **Social topic influence** [money](/topic/money) #2819, [debt](/topic/debt) #432, [how to](/topic/how-to) 26.32%, [if you](/topic/if-you) 25.44%, [this is](/topic/this-is) 18.42%, [investment](/topic/investment) #1282, [stocks](/topic/stocks) #2665, [$40k](/topic/$40k) #51, [in the](/topic/in-the) 6.14%, [rich](/topic/rich) #2028 **Top accounts mentioned or mentioned by** [@tiffanycianci](/creator/undefined) [@currentlyunsupervised](/creator/undefined) [@zknityknit](/creator/undefined) **Top assets mentioned** [SPDR S&P [---] ETF Trust (SPY)](/topic/$spy) [Goldman Sachs (GS)](/topic/goldman-sachs) ### Top Social Posts Top posts by engagements in the last [--] hours "Part 2: My Stock Market Portfolio 📊💸 This is part two of my series where Im breaking down exactly what Im invested in as a 34-year-old multimillionaireno gatekeeping. In this video Im walking you through my stock market portfolio: ✔ What ETFs I hold ✔ Why I use an asset-allocation strategy ✔ How I balance long-term growth and dividend income ✔ And how this part of my portfolio fits into my overall financial freedom plan This is the strategy that helped me go from $40K in debt to financially freeand now my investments pay me more than I ever made at a job. If youre ready to start building" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7523992843925425413) 2025-07-06T15:35Z 2.3M followers, 53.2K engagements "I share my portfolio breakdown at the end 👀 But heres what you need to understand first. Most investors have no idea theyre setting themselves up to make less money long term. Fidelity recently confirmed that almost all the growth in the stock market this year came from a few massive tech companies. That means if you own the S&P [---] or QQQ youre probably holding the same names twice like Apple Microsoft NVIDIA and Amazon and youre far more exposed than you realize. Even Vanguard is warning that large cap U.S. stocks are trading above fair value while bonds could actually outperform over the" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7568547518347283730) 2025-11-03T17:09Z 2.3M followers, 125.4K engagements "I went from $40000 in debt to becoming a millionaire by [--] by learning one thing most people miss about investing confidence doesnt come from pretending risk doesnt exist. It comes from protecting your downside so youre ready when opportunity shows up. While everyone argues about whether a crash is coming smart investors focus on positioning. They prepare during calm so they dont have to react emotionally during chaos. The real advantage isnt predicting the exact moment something happens. Its already having systems in place risk managed and capital ready before the crowd realizes whats" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7606883372341693716) 2026-02-15T00:32Z 2.3M followers, 19.2K engagements "People who grew up rich won't tell you this but I had to fight my say here so I'm spilling all the tea. 🍵 If you invest $75 a week starting at [--] years old for [--] years just [--] years out of your entire life you could be financially free before [--]. Meaning you would no longer have to work for money. But how does that work because you would have only put away $39000. Because you invested it and compound interest took over the money grew - to almost $65000 in [--] years. And then over the next few decades it continued to grow until it got to over $1.8M at [--]. Any extra dollar you invested would" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7204492233024736517) 2023-02-26T15:49Z 2.3M followers, 14.2M engagements "If you want to get rich in your 20s then you need to learn from the rich people. I went from $40k debt to a millionaire at [--] and now I'm spilling all my secrets so you can get here too. The first thing rich people don't do is work to pay for the things they want like the houses cars and travel. I just went on the most expensive vacation I've ever taken and I didn't pay for a dollar of it out of my pocket. Instead I focused on buying assets like stocks and real estate that pay me while I sleep and now that cash flow funds my lifestyle. And this is not just "for the rich" you could buy into an" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7239371891100765445) 2023-05-31T15:40Z 2.3M followers, 8.4M engagements "Why I won't be buying more rental properties 👇👇 So here's the scoop Last year I made a jaw-dropping 18% return on one of my REIT investments 📈🤑 And guess what It was totally hands-off 🙌 Unlike managing a rental property which can be time-consuming and requires ongoing maintenance and tenant management my REIT experience was like a breeze 😎 But what exactly is a REIT 🤔 Well think of it as a magical investment vehicle that allows you to invest in real estate without actually owning physical properties. 🌟 Instead we pool our funds together with other investors to buy into a portfolio of" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7250533456671771910) 2023-06-30T17:32Z 2.3M followers, 197.4K engagements "How to overcome a scarcity mindset 👇👇 If you're someone who's always stressed about money even when you have it. Who feels guilt or shame everytime you spend even on things you need - I'm going to share [--] tips that helped me overcome those feelings. Now this is really important because what I just described it a scarcity mindset. This had the same effects on the brain as actually living in poverty as not sleeping for an entire night or as alcoholism. It prevents you from making good decisions for your future because you're so worried about today and this will keep you broke. It becomes a" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7274233349999480070) 2023-09-02T14:20Z 2.3M followers, 68.9K engagements "Today I'm sharing two ETFs that I own that pay me out thousands of dollars a year in dividends. Here's a shot of the dividend payouts from one of my accounts this quarter you can see some of my investments pay me out monthly some quartley. The first investment is ZRE it's a real estate investment trust ETF. Basically it allows me to get paid like a landlord without actually having to be a landlord although I do own a rental property. It pays out over 5% a year and has made me a part owner in [--] REITs who own thousands of properties across industries like retail Healthcare and industrial. A" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7275744178649255174) 2023-09-06T16:03Z 2.3M followers, 273K engagements "How to check your credit report FOR FREE 👇👇👇 This one is for my US Babes 🤍 [--]. Visit AnnualCreditReport.com: Go to the official website AnnualCreditReport.com. This is the only website authorized by the federal government to provide free annual credit reports. Be cautious of other websites that may offer "free" reports but require you to sign up for paid services. [--]. Request Your Credit Report: On the AnnualCreditReport.com homepage click on the "Request your free credit reports" button. [--]. Provide Your Information: You will need to enter personal information such as your name date of" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7279079676000079110) 2023-09-15T15:46Z 2.3M followers, 64.2K engagements ""This is [----] all over again." Thats what @tiffanycianci said in a video that absolutely shook me. And after looking into it I have to admit shes 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 fundsmeaning 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. Heres" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7482943120347319607) 2025-03-18T00:41Z 2.3M followers, 308.6K engagements "How to invest if you dont know where to start. Heres the quick version: ✅ Open a self-directed account (Questrade Wealthsimple Vanguard or Fidelity) ✅ Pick a low-fee diversified fund (like VEQT XGRO or a Target Date Index Fund) ✅ Automate it. Set it. Forget it. Let it grow. Most people were never taught this and thats why theyre stuck. But building wealth doesnt have to be hard. You just need the right strategy. Ive helped millions of people improve their financial situation using the exact methods I used to go from $40000 in debt to millionaire at [--]. And Im not keeping it a secret. Ive got" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7525556961178340614) 2025-07-10T20:44Z [--] followers, 103.2K engagements "REITs need to pay out 90% of their profits to their shareholders (aka YOU) and that's why I love these for passive income. When you're just getting started I would keep REITs to 10% or less of your total portfolio and turn on DRIP to reinvest the dividends to compound your growth even faster (aka make you more money more quickly). Want to learn how to buy your first REIT step by step Check out my free Investing Masterclass on my website under FREEBIES or link in bio ✨ www.nobudgetbabe.com/freebies have REITs or the S&P500 provided higher long term returns 👀 have REITs or the S&P500 provided" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7529889159595511045) 2025-07-22T12:55Z 2.3M followers, 14.1K engagements "Everyone thinks you have to be a landlord to make money in real estate but the rich know better 👀 Theres a real estate loophole thats been quietly beating the biggest US companies for the last [--] years and you can buy into it from your phone just like a stock. No tenants. No repairs. Just cash in your account. Ive been using this strategy for years as part of my portfolio and its helped me go from $40000 in debt to millionaire by [--]. If you want to learn exactly how I invest and the other assets I use to build six figures in passive income grab my free investing masterclass at" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7536990931963186488) 2025-08-10T16:14Z 2.3M followers, 11.4K engagements "Lets talk about how these actually fit together in a real portfolio because this is where most people overthink it. VEQT or VT is the foundation. That is where you are getting exposure to the US and international markets all in one. If you are young and have time on your side you can go all equity. If you are getting closer to needing the money you can add in bonds or choose something like VGRO which already has the mix done for you. VOO or VFV is just the S&P [---]. This is where people get it wrong because the S&P [---] is not a full portfolio. It is only the largest US companies. No" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7552618611324718343) 2025-09-21T18:57Z 2.3M followers, 506.8K engagements "Most people think investing in the S&P [---] is a complete plan. Its not. Yes the S&P [---] is great for long-term growth but its only one piece of a portfolio. Its made up of [---] large U.S. companies which means it is heavily concentrated in one country one market type and one size of company. Fidelity confirmed that almost all of the markets growth this year came from a handful of tech giants. So when people think theyre diversified because they own an index fund theyre often just doubled up on the same companies like Apple Microsoft Amazon and NVIDIA. Thats not diversification. Thats" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7568678421639875858) 2025-11-04T01:37Z 2.3M followers, 61K engagements "5 moves to make the most money over the next decade 👇 Goldman Sachs just predicted the S&P [---] will return only 6.5% a year over the next [--] years. Historically its been closer to 10%. That might not sound like much but over time that gap can mean hundreds of thousands of dollars lost if you do nothing differently. Most people will see that and panic. The wealthy see it and adjust. Because the truth is the market doesnt create wealth. Strategy does. Heres what the wealthy focus on when returns are expected to slow: [--] Lowering fees so they stop losing 1% a year to overpriced advisors. 2" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7571875855450885383) 2025-11-12T16:25Z 2.3M followers, 165K engagements "When a CEO sells millions of dollars of their own shares people assume it means one thing. But insider selling can happen for many reasons. It could be taking profits. It could be diversification. It could be rebalancing. And yes it could mean they think the market is overheated. All of those possibilities can be true at the same time. Tech has been running wild. Investors are overexposed. Companies are spending billions to stay in the AI race. Not every company is going to win and this level of growth never moves in a straight line. So when an executive trims their position it does not" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7574439791236844818) 2025-11-19T14:14Z [--] followers, 69.5K engagements ""More money" wont save you. Psychologists widely believe that by around age [--] weve already started forming our beliefs about money. Not because anyone sat us down and taught us about investing or saving but because we were watching. The tone in the house. The stress. The conversations. The way money showed up or disappeared. So when you make more money as an adult and still feel tense overly careful or like youre bracing for something to go wrong its not random. Your nervous system learned early on that money wasnt something you could relax around. This is why tactics alone dont work. You can" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7586751728045935893) 2025-12-22T18:31Z 2.3M followers, [----] engagements "This is how you get rich in [----] 👇 If youre in your 20s or 30s and feel behind with money this is for you. Hi 👋 If you dont know me Im Nicole Victoria. I went from $40000 in debt to becoming a millionaire by [--] by studying how wealthy people actually build money and then doing the same thing myself. Ive been featured in CBC Fox Business Insider and The Financial Times published a top personal finance book and Ive helped thousands of women ✔ start investing from scratch ✔ pay off debt without giving up their life ✔ increase their income ✔ build real wealth that doesnt rely on hustle or" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7593398068007931154) 2026-01-09T16:22Z [--] followers, [----] engagements "How I became a millionaire at [--] Most people say I want to be rich and then wonder why nothing changes. Thats not a plan thats a wish. Wealth starts when you get specific and decide what youre actually building and how. For me it meant creating a real financial plan investing consistently into simple asset allocation funds and letting time and math do the heavy lifting instead of relying on motivation or luck. The second shift was dropping the victim mindset. I didnt grow up with money. No one taught me this either. But staying stuck in must be nice or I wasnt taught this keeps you broke." [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7599035238731255058) 2026-01-24T20:57Z 2.3M followers, [----] engagements "What this means for you 👇 Most people are stuck asking the wrong question. Is America doomed. Is the S&P going to crash. Should I pull everything out and sit in cash. Thats not how real investors think. When headlines get loud inexperienced investors freeze. Experienced investors zoom out understand the system and position themselves to benefit. I didnt build an eight-figure net worth by guessing what the next decade would look like. I built it by learning how money actually moves how governments behave under pressure and how assets respond when currencies politics and sentiment shift. The" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7600832523354082580) 2026-01-29T17:12Z 2.3M followers, 16.9K engagements "Replying to @currentlyunsupervised Heres how you can start I love this question because it lets me show you how I actually invest as a millionaire. And no you do not need $50000 to do this. The framework is the same whether youre starting with $100 or six figures. The only thing that changes is the number of zeros. Hi Im Nicole Victoria. I went from $40000 in debt to becoming a millionaire in my 30s and I now earn multiple six figures a year in passive income. Ive helped tens of thousands of women learn how to invest build real wealth and stop feeling confused or behind with money. This is" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602040131700149524) 2026-02-01T23:18Z 2.3M followers, [----] engagements "How to make the most money this year Everyones asking what the f is happening in the stock market today and it feels confusing because the real story isnt in the headlines. Markets didnt move because everything is suddenly amazing. They moved because fear backed off. Behind the scenes big money heard okay the world isnt falling apart right now and money started leaving panic mode. Thats why stocks can go up at the same time gold is acting unhinged and everyone still feels anxious. If that already made more sense than anything youve read today keep reading. Im Nicole Victoria. I went from 40k" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602336956734835988) 2026-02-02T18:30Z 2.3M followers, 13.9K engagements "Learn to embrace GSD mode. Get s* done even when it feels scary.** Hi Im Nicole Victoria. I went from forty thousand in debt to millionaire at thirty because I stopped waiting for someone else to make the first move. My first million came from real estate and the stock market but real estate was the biggest jump because of leverage. And now I run one of the top financial literacy companies for women. Ive helped thousands of women change their entire financial trajectory by learning how money actually works. This is the mindset shift that made me a millionaire. I stopped waiting for permission" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602337781414661377) 2026-02-03T21:00Z 2.3M followers, [----] engagements "Its crazy how everything changed when I stopped asking how do I afford this and started asking how do I make more That one mindset shift took me from stressing about bills to building a seven-figure net worth. The rich dont save their way there. They learn how to earn invest and multiply what they already have. If youre ready to stop playing small and start building real wealth grab my free From Broke to Millionaire in [--] Steps training at www.nobudgetbabe.com/freebies 💰" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602338309276224784) 2026-02-04T20:30Z [--] followers, [----] engagements "10/10 recommend letting a slightly neurotic version of you handle your finances early. Truly changed my life" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602338596602924304) 2026-02-05T16:30Z 2.3M followers, [----] engagements "The real cost isnt the money. Its what that $173000 could have done for your life. By your mid-30s thats enough to hit Coast FIRE. Meaning your retirement is essentially funded. You dont have to save another dollar to be okay later. That changes everything. It means you can take a lower-stress job. Work fewer hours. Say no to toxic environments. Build something on the side without panic. Stop making decisions from fear. Thats what opportunity cost actually is. Not missing out on stuff. Missing out on options. One small repeated decision can quietly lock you into stress or quietly buy you" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602338891592437009) 2026-02-05T20:00Z 2.3M followers, [----] engagements "Everyone needs an FU number. Because sometimes the most professional thing you can say is actually f*** you I quit while sipping an espresso martini in the middle of a Tuesday. Thats what true financial freedom looks like. I hit mine in my thirties because I stopped listening to broke advice and started using the same strategies the rich use to build wealth. Thats how I went from $40k in debt to millionaire by [--]. If you want your money to work harder than you do and start building your own FU money my free training is where you need to be. I walk you through the exact 5-step process I used" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602339419168705808) 2026-02-06T20:00Z 2.3M followers, [----] engagements "Expand the room. Dont guard the door. Hi Im Nicole Victoria. I teach women how to build wealth safety and independence through smarter money decisions and investing without shame or competition. Another woman having something you want isnt a threat. Its proof. Proof its possible. Proof theres a path. Proof you can ask questions instead of shrinking or comparing in silence. Secure women dont compete. They get curious. They collaborate. They learn from the women who already did it and then pull others up behind them. Ive seen women leave abusive relationships buy homes pay off debt and" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602695578455166228) 2026-02-03T17:41Z 2.3M followers, [----] engagements "She Wiped Out Her Student Loans And Is Officially Debt Free 🎉💥 Teaira just hit one of the BIGGEST milestones there is and we are celebrating HARD. 🙌 Heres why this win is massive. ✅ Before the program: Teaira was carrying student loans and credit card balances that felt like theyd always be there. Debt was just part of life. ✅ Why she was stuck: Like so many people payments felt endless and freedom felt far away even though she was doing everything right. ✅ The game changer: Learning how to structure her money with intention and follow a clear payoff strategy instead of just reacting to" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7603033758559702288) 2026-02-04T17:00Z [--] followers, [----] engagements "POV: youre rich but still DIY everything 💅 Because yes I can afford to get it done but why would I pay more for the same thing Its not about not spending money. I love spending money. I just like to be efficient with it. My rule is simple if I can get the same result for less thats more money I can put toward other things that make me happy. Like if I save a few thousand here thats another vacation for me. Yay me. ☀✈ So yeah maybe I just destroyed my face or maybe Im financially efficient. Either way I stand by my WPM (Why Pay More) principle. Also yes those are my towels on the floor in the" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7603036122716900625) 2026-02-04T16:00Z 2.3M followers, [----] engagements "I dropped out of school at [--] so I could move out and work full time to support myself. I was stealing toilet paper from the gym bathroom while people I went to school with had their parents buying them houses and cars. I didnt get generational wealth. I got generational trauma. Ive been in therapy on and off for decades. Not because Im dramatic but because complex PTSD is a real thing. PTSD is like getting hit by a car once. Complex PTSD is like getting hit by a car every single day and being told to calm down. All that hyper-independence people love to judge is exactly why Im good with" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7603125183209409813) 2026-02-04T21:29Z 2.3M followers, [----] engagements "Is this an opportunity 👇 Everyone is freaking out about layoffs hitting levels we havent seen since [----] but almost nobody is explaining whats actually happening beneath the headline. Markets dont wait for recessions to be confirmed. They move when incentives change. Public companies are under constant pressure to increase profits because shareholders expect growth every year. If sales slow or even look uncertain executives have two options: grow revenue or cut costs. And the biggest cost in almost every business is people. Thats why layoffs often show up BEFORE economic slowdowns fully" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7603430894312983828) 2026-02-05T17:15Z 2.3M followers, [----] engagements "Your next move 👇 If everything feels heavier right now youre not imagining it. Were living through a phase where the system rewards ownership differently than effort. Some people feel like money is working for them while others feel like theyre working harder than ever just to stay in place. That tension shows up everywhere right now. In culture. In politics. Even in moments like the Super Bowl. And historically when we reach this stage the system goes through transition. The rules start shifting. And during transition periods most people freeze because uncertainty feels uncomfortable. But" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7604902983138200852) 2026-02-09T16:27Z 2.3M followers, 14.9K engagements "The US is trying to pull off a major power move by banning TikTok and it looks like they're going to go through with it. This is not a joke it's not about social media it's not about the kids or protecting our data it's about freedom of speech. It's about them creating a moral panic to cover up for the fact that they don't want us to be connected in ways they don't control. Let me break it down for you: TikTok has allowed me to connect with over [---] million people and change their lives financially by teaching them things we should have been taught in school. It's not an accident or oversight" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7214140483751136518) 2023-03-24T15:49Z 2.3M followers, 372.6K engagements "Replying to @zknityknit You're not living off of the principle you're living off of the returns the principle provides you. You can change the SWR (safe withdrawal rate) if you're retiring very early (a SWR of 3% has shown a 100% success rate over 50+ year periods) but ultimately most people regardless of age re using some form of the 4% rule (ie. desired annual spend x 25). The theory is that if the stock market goes up by 10% per year and you're only withdrawing 4% then your account balance should actually be going up not down. The stock market does not return the exact same amount each" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7380740735596907781) 2024-06-15T14:43Z 2.3M followers, 377.3K engagements "On the surface capping credit card interest at 10% sounds like a huge win. And in a lot of ways it is. But money decisions at this level always have second and third order effects and thats the part most people miss. If you dont know me hi 👋 Im Nicole Victoria. I went from $40000 in credit card debt to becoming a millionaire by [--]. Not by budgeting harder or shaming myself but by actually learning how the debt system works and how to beat it. Ive helped thousands of women get out of credit card debt lower their interest pay balances off faster and build real wealth after feeling stuck for" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7594572304634350856) 2026-01-12T20:19Z 2.3M followers, 30.4K engagements "If you don't want to work [--] hours a week for the rest of your life here's what you're going to do. I actually did this and went from making 50k a year to becoming work optional in my 30s that means I dont have to work if I don't want to. If you're [--] you're going to put away $500 a month don't have that right now don't worry I've taught our students hacks like how to negotiate a huge baller raise and money saving strategies like paying less for your debt or even your rent so you can save more. The thing here is you're not just going to save this money because saving alone will never change" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7186694295968075013) 2023-01-09T16:44Z 2.3M followers, 469.2K engagements "Investing isn't FOR the rich it's how you GET rich. And it's not only how you get rich but it's the only real way to create financial safety and security for yourself. That's why I've created a new FREE training for you to help you get started. Grab your spot in our Ultimate Investing Masterclass on our website. 💰✅ Let's get you wealthy and paid 🔥 how to buy a stock step-by-step from a self made millionaire how to buy a stock step-by-step from a self made millionaire" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7320303492235562246) 2024-01-04T17:56Z 2.3M followers, 5.9M engagements "👀 sharing some of the income streams that pay me out over [--] figures a year passively 💸 Keep learning with our free trainings Find them on our website under FREEBIES 🤍 start getting paid while you sleep with these passive streams of income open a HYSA open a stock brokerage account target date funds asset allocation funds index funds REITs MICs I make a few hundred dollars a month off mine become a millionaire tax free start getting paid while you sleep with these passive streams of income open a HYSA open a stock brokerage account target date funds asset allocation funds index funds REITs" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7340761176806051078) 2024-02-28T21:02Z 2.3M followers, 1.4M engagements "Money lessons with a self made millionaire 👇 I'm financially free in my 30s which means I never have to work for money again if I don't want to. One of the ways I got here faster was by building up my streams of passive income - the average millionaire actually has [--] streams of income. One of my favorite is REITs or real estate investment trusts. This is where you own a piece of a company that owns and operates real estate and then shares their profits with you. One of the private REITs I own right now is District REIT. In [----] I made about $700 a month in passive income from them and the" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7349216209985867014) 2024-03-22T15:52Z 2.3M followers, 455.3K engagements "Hot girls don't gatekeep here are the [--] different types of investments I have as a financially responsible [--] year old who plans on retiring early. [--]. Public REIT ETFs - a reit is a real estate investment trust and when you own one you become a part owner in a company that owns and operates real estate and then shares their profits with you. A REIT ETF is just a collection of different REITs and allows me to invest in many companies with a single click instead of just one. REITs allow you to get the benefits of being a landlord without actually being a landlord. I like them because they're" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7357857936485387525) 2024-04-14T22:46Z 2.3M followers, 679K engagements "Don't get it twisted I still own the S&P500 but it is NOT my total portfolio. Based on the reasons I talked about I feel that this would be "putting my eggs in one basket" - and after seeing what's been happening in the US I don't feel confident doing that. We tend to believe that our experiences (that make up like 0.000001% of what actually happens in the world) represent everything that happens in the world. We believe that just because something has done well it always will. Or because something has been great it always will be. But there are lots of great companies that are not American." [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7375249388089756934) 2024-05-31T19:34Z 2.3M followers, 102.5K engagements "Your money fairy godmother 🧚♀ I teach you how money works so you can make more save more and start investing so you can get paid while you sleep 🫶 FINANCE [---] [--] money lessons to become financially literate FINANCE [---] [--] money lessons to become financially literate" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7377843050912992518) 2024-06-07T19:19Z 2.3M followers, 157.1K engagements "How to Get Rich in 2025No Gatekeeping What if I told you that getting rich doesnt have to be complicated In this video Im sharing insights and strategies that helped me go from $40000 in debt to self-made millionaire by [--]. These are the same concepts I teach in my 3-month coaching program The Makin Money Moves Method. Its designed to help you shift your money mindset take control of your finances and build wealthwithout giving up the things you love. As a published author and featured expert in CBC Fox Business Insider and The Financial Times Ive helped thousands of students transform their" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7454597080103849222) 2024-12-31T15:24Z 2.3M followers, 6.4M engagements "👉 How this works If you invest $10/day from [--] to [--] and stop contributing after that youll have about $60000 at [--]. But thanks to compound interest if you leave it alone it can grow to over $1000000 by [--] Now lets say at [--] you increase your contributions to $25/day. By [--] youd have over $700000. Even if you stopped contributing at [--] that money could still grow to millions by traditional retirement. Every dollar invested earlier buys you freedom faster. Thats the magic of time + compound interest. 🚀 Ready to get started Join my free investing masterclassIll teach you how to buy your first" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7459771562925870342) 2025-01-14T14:03Z 2.3M followers, 171.1K engagements "If you want to get rich you need to learn from rich people. And if you dont know anydont worry Ive got you. I went from $40000 in debt to millionaire by [--] 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 theyre following the wrong playbook. Theyre budgeting saving pennies and playing defense While the rich are buying income lowering taxes and building systems that print money. And right nowwith the market as volatile as it isunderstanding how to play offense with your money" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7499549701759307013) 2025-05-01T18:43Z 2.3M followers, 2M engagements ".Because that is when you are most profitable. They drain you at your [--] to [--] keep you just tired enough to do it all again tomorrow and then sell you the cures for your own exhaustion. The coffee the retail therapy the spa day the subscription you dont even use. Its all one big setup to keep you broke and anxious because that is when you spend the fastest. Here is the truth. The system was never built for you to win. The way out is not grinding harder it is learning how money actually works. I studied the rich. I buy assets that pay me. I understand how to invest how taxes work how to make" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7539916025228184850) 2025-08-18T13:25Z 2.3M followers, 1.9M engagements "I went from $40000 in debt to millionaire by [--]. Now I teach women how to build wealth using the same principles the rich use. The fall of an empire is never obvious while its happening. But if you know what to look for the signs are everywhere. Billionaire investor Ray Dalio mapped out the entire cycle in his book The Changing World Order and the U.S. is checking every box. Ive spent years studying how money power and inflation actually work. Ive built an 8-figure net worth been featured in Business Insider Fox and The Financial Times and Im here to simplify what billionaires already" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7570859513520114951) 2025-11-09T22:41Z 2.3M followers, [----] engagements "If your portfolio is bleeding its because youre overweight in tech or crypto. If youre diversified youre barely feeling this. This is why I teach you to build a portfolio not gamble on one sector and call it investing. Most people panic because they dont understand how the economy actually works. They dont know what manufacturing data means why inflation is still sticky or how rate cut expectations move the market long before the headlines do. Hi Im Nicole Victoria. I went from 40K in debt to millionaire at [--] and built an eight figure net worth by understanding the signals underneath the" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7578932615659490567) 2025-12-01T16:49Z 2.3M followers, 50.5K engagements "This is not fear. It is timing. We are not in a crisis yet but the margin for error with money is shrinking. In environments like this the market does not create problems. It exposes them. The people who feel calm next year will not be luckier or smarter. They will be the ones who got organized before they were forced to. They know their numbers. They have buffers. They have a system instead of just income and hope. This is exactly why I went from $40000 in debt to becoming a millionaire by [--]. Not because I predicted anything but because I built a money system early enough to take advantage" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7590080598153202964) 2025-12-31T17:49Z 2.3M followers, 13.2K engagements "If your money still depends entirely on you showing up to work this matters. Most people wait for clear signs before they move. By the time it feels obvious the opportunity has already passed. Wealth is built by systems not by reacting to headlines. I didnt grow up with money or get lucky. I learned how to make my money work harder than I ever could and thats how I went from $40k in debt to becoming a millionaire by [--]. Hi Im Nicole Victoria. Ive helped thousands of women stop feeling behind overwhelmed or confused about money and start building real wealth with a clear plan. Ive been" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7591909401808620821) 2026-01-05T16:06Z 2.3M followers, 12.3K engagements "The biggest wealth transfers happen during market crashes. Just not in the way most people think. When markets drop fear takes over. The average person panic sells locks in losses and waits on the sidelines hoping things feel safe again. At the same time wealthy investors are doing the opposite. They are buying stocks real estate and businesses at discounted prices while others are exiting. This is not a conspiracy. It is how market cycles work. Every major crash in history has followed the same pattern. The Dot Com Bubble. The [----] financial crisis. COVID. Markets fall fear peaks and then" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7600506480529345813) 2026-01-29T20:00Z 2.3M followers, 18.8K engagements "Lets talk about how these actually fit together in a real portfolio because this is where most people overthink it. VEQT or VT is the foundation. That is where you are getting exposure to the US and international markets all in one. If you are young and have time on your side you can go all equity. If you are getting closer to needing the money you can add in bonds or choose something like VGRO which already has the mix done for you. VOO or VFV is just the S&P [---]. This is where people get it wrong because the S&P [---] is not a full portfolio. It is only the largest US companies. No" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7600846446564232465) 2026-01-30T19:30Z 2.3M followers, 36K engagements "Ive made a ton of money buying the dip. But heres the truth. I dont sit around waiting for dips. I stay invested and I take advantage of opportunities when I see them. If you want to learn how to do that without guessing the market or timing anything I can help you. Im Nicole Victoria the Millionaire Mentor. Ive been featured in Business Insider Fox CBC and The Financial Times. And Ive helped thousands of women go from confused and overwhelmed to confident investors who actually grow wealth. You dont get rich by trying to predict the market. You get rich by knowing what to do when" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7600846804208389392) 2026-02-01T20:05Z 2.3M followers, [----] engagements "How I actually build wealth as a millionaire 👇 Hi Im Nicole Victoria. I went from $40000 in debt to becoming a millionaire by my 30s and I now teach women how to build real wealth by understanding how money actually works. Most people invest based on fear headlines and whatever feels safe in the moment. Thats why they end up panic-buying things like gold sitting in cash too long or constantly second-guessing themselves. Wealth isnt built by reacting. Its built by owning productive assets understanding compounding and having a strategy that works even when the story changes. This is why my" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7601681220765846804) 2026-02-01T00:05Z 2.3M followers, 29.7K engagements "You dont get a soft life by doing soft things. You dont get it by choosing whats comfortable now. You build it by doing the hard sh*t up frontso your life gets easier later. If you keep choosing whats easy today (scrolling avoiding spending saying Ill start Monday) youre signing yourself up for decades of struggle. And most people dont realize theyre doing that until its too late. I knew I didnt want that life. So I did the uncomfortable stuff in my twenties. I built systems. I tracked my money. I made decisions other people werent willing to make. And now I live the soft life people dream" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602340191604428048) 2026-02-08T19:30Z 2.3M followers, [----] engagements "👇 If youre only relying on earned income there will ALWAYS be a ceiling on how much you can make. I keep seeing videos saying two incomes are better than one so tell your man to get two jobs 😂 but hear me out The real goal isnt MORE jobs. The real goal is MORE income streams. Because when your income only comes from working hours your freedom is limited by time energy and someone else deciding your paycheck. When you build multiple streams of income your money starts working whether you are working or not. And yes theres a reason the average millionaire has multiple income streams while" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7604527183784348949) 2026-02-08T16:09Z 2.3M followers, [----] engagements "OMG have you seen this 👀 Bank of America just flagged a shift in the market that Ive been talking about for MONTHS and this is exactly why I keep telling you not to build your entire strategy around whatever has been winning lately. The market moves in seasons. One group leads for a while (hello big tech 👋) then money starts quietly flowing into other areas before most people even notice. And the investors who build real wealth arent the ones chasing hype theyre the ones positioned BEFORE the shift becomes obvious. If youre new here hi 👋 Im Nicole Victoria. I went from $40K in debt to" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7605271580821753108) 2026-02-10T16:18Z 2.3M followers, [----] engagements "Everyones trying to figure out what the latest news means for their money and honestly this is where most people get stuck. They wait for clarity. They wait for confirmation. They wait for the right moment. But markets dont send an all-clear notification. The people actually building wealth arent changing direction every time a new headline drops. They already know how theyre investing when things look strong when things look uncertain and when bigger opportunities show up. Thats the difference. I didnt build my net worth by guessing what happens next. I built it by understanding how money" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7606018371422915860) 2026-02-12T16:35Z 2.3M followers, 12K engagements "Filtered finances are making you feel broke when youre not. I just read an article saying Gen Z is the generation most likely to lie about their finances and honestly after working with influencers and seeing behind the scenes of social media Im not surprised. What youre seeing online is often a highlight reel mixed with debt brand deals leased lifestyles or curated narratives that dont reflect real wealth. And heres the paradox I keep seeing: People are terrified theyll never have enough to retire but also believe saving or investing small amounts isnt worth it. That mindset keeps you stuck." [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7606354286657916180) 2026-02-13T14:19Z 2.3M followers, [----] engagements "Delusional self belief is powerful. But you still need a f****** plan 👀👇 Confidence isnt pretending risk doesnt exist. Its knowing youll be okay even if things go sideways. The internet loves the I forced myself to level up stories. Quit the job. Sign the lease you cant afford. Go all in. Burn the boats. And somehow it magically worked Except what they dont tell you is the safety nets behind the scenes. Savings. Support. Privilege. A backup plan you never saw. Thats not confidence. Thats survivorship bias. Real confidence comes from protecting your downside while still betting on yourself." [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7606779725130009876) 2026-02-14T17:50Z 2.3M followers, [----] engagements "I went from $40000 in debt to millionaire by [--] and heres what most people get wrong about investing 👇 Most people arent avoiding the stock market because theyre lazy. Theyre overwhelmed scared of losing money and tired of feeling like everyone else understands something they dont. Youre told to just start investing while people throw around words like ETFs diversification and market cycles like its common knowledge so you freeze. Meanwhile time keeps passing inflation keeps moving and you feel like youre falling behind. After working with thousands of women I can tell you this isnt an" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7607123503111802132) 2026-02-15T16:04Z 2.3M followers, [----] engagements "I make [--] figures a year without working by putting my money into investments that pay me out monthly. Two of my favorite investments for cash flow are REITs and MICs. REITs are real estate investment trusts and this is where you buy parts of a company that owns and operates real estate - and then shares their profits with you. Depending on your country to remain a REIT they need to distribute between 70-90% of their profits so that can mean great money for the shareholders. REITs are easier to start for beginners because you can get automatic diversification with REIT ETFs (Vanguard has some" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7176699521769016581) 2022-12-13T18:19Z 2.3M followers, 886.6K engagements "In the finance world its known as Dr. Copper because it has a PhD in predicting the economy. And right now Shes getting loud. Copper prices just hit a 2-year high. The last time this happened before a major crash was in [----]. right before the market tanked in [----]. That doesnt mean were guaranteed to crash but it does mean smart investors are paying attention. Because copper moves when companies expect demand to surge or when theyre stockpiling before things get worse. Either way its a warning sign worth understanding. 👉 I break it all down inside my free How to Get Rich in a Recession" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7525116817199648006) 2025-07-09T16:16Z 2.3M followers, 270.3K engagements "I used to think wealthy people were constantly trading stocks picking winners and making complicated bets. Thats actually how I lost money when I first started investing. What surprised me when I studied how wealthy people really invest is that its boring. Simple. Systematic. Theyre not guessing. Theyre not day trading. Theyre not trying to be smarter than the market. They build a structure that does the heavy lifting for them and then they leave it alone. If you look at how real wealth is built long term this pattern shows up again and again. Thats exactly what I break down in my free New" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7594161456170437906) 2026-01-11T17:45Z 2.3M followers, 27.8K engagements "My take as a millionaire If investing feels confusing right now its not because markets are broken. Its because most people are reacting to headlines instead of understanding how money actually moves. I dont teach people to jump from tech to commodities to whatevers next. I teach them how to build portfolios that already work across cycles so they dont need to guess panic or constantly change direction. I went from debt in my twenties to financial independence in my thirties and have reviewed thousands of portfolios along the way. The biggest mistake I see isnt picking the wrong investment." [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7598228544979766536) 2026-01-22T16:47Z 2.3M followers, 19.2K engagements "OMG OF COURSE IT IS 😭😭 The average Canadian millennial thinks they need $2.1 MILLION to retire but the average lifetime earnings are only about $1.7 MILLION. So even if you saved every single dollar you ever made you STILL wouldnt have enough. Which means the problem isnt you. Its the strategy. You were never supposed to save your way to wealth. You were supposed to INVEST your way there. I went from $40K in debt to becoming a millionaire by [--] because I stopped playing the saving game and started making my money work harder than I did. Inside this video Im breaking down: ✨ why saving alone" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7605612990863363349) 2026-02-11T14:22Z 2.3M followers, [----] engagements "oh THIS is why people never start investing 🤯👇 theyre waiting for the perfect moment that never feels safe enough. markets high = scary. markets low = even scarier. crashes dont feel like opportunity when youre living through them. they feel like chaos panic and headlines telling you everything is falling apart. think COVID. everyone says they wouldve bought in hindsight but in real time most people froze. wealthy investors dont wait for certainty. they build systems so they can keep investing no matter what the market is doing. I went from $40K in debt to millionaire by [--] and now generate" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7605645350015143189) 2026-02-11T16:28Z 2.3M followers, [----] engagements "No one wakes up broke. They become broke slowly then all at once. And its not shocking when you understand the pattern. Most people dont lose money because of one dramatic moment. Its quiet decisions repeated over and over. Normalizing debt because everyone else has it. Swiping to relieve stress. Avoiding the numbers because they feel overwhelming. Trading future freedom for temporary relief until one day the math catches up. And then suddenly it looks like a crisis when really it was a slow leak no one taught them how to see. I know this because I went from $40000 in debt to becoming a" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7607164305980574996) 2026-02-15T18:42Z 2.3M followers, [----] engagements "Today I'm going to teach you how to buy a stock. Investing isn't for the rich it's how you get rich and learning how to make money while you sleep is the only way to make sure you don't work until you die. First thing you're going to do is open an account with a brokerage - this is simply a company that gives you access to the stock market. Then you're going to deposit money into the account you can do this by linking your bank account and initiating a transfer. Don't make this mistake The account is not the investment so if your money is just sitting there in cash it's not growing. To buy" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7278375973869866245) 2023-09-13T18:16Z 2.3M followers, 8.1M engagements "🌟 These are [--] investments that pay me out over [--] figures a year in passive income. 💸 What's passive income you ask It's money that works for me not the other way around. This income covers my family's expenses and is paving the way for my retirement in my 30s. Retirement isn't just about an age; it's about reaching a financial milestone where you don't have to work anymore. These investments Real Estate Investment Trusts (REITs) and Mortgage Investment Corporations (MICs) are my golden tickets. But that's not all I also own physical real estate and invest in the stock market. Why Because" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7312483732043205894) 2023-12-14T16:11Z 2.3M followers, 195.1K engagements "Stay away from group RESPsthese are plans sold by private companies and unlike individual or family RESPs these plans come with a unique structure pooling resources for a "supposedly more conservative asset mix" and offering "loyalty bonuses." However a recent Quebec class-action lawsuit certified in [----] has thrown these plans into the spotlight. The lawsuit alleges that the upfront sales charge imposed by major providers violates provincial securities regulations and the Quebec civil code. These providers managing a staggering $15.7-billion in assets are facing scrutiny for their practices." [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7326202806996684038) 2024-01-20T15:28Z 2.3M followers, 33.8K engagements "Im giving you the actual investments Id choose not just vague advice. Hi Im Nicole Victoria aka the No Budget Babe. I went from $40000 in debt to millionaire at [--] and now I teach women how to create financial freedom without sacrificing the things they love. Ive helped hundreds of thousands of women through my free and paid programs and I know exactly what works. If you want to start building wealth while you sleep go grab my free trainings at www.nobudgetbabe.com/freebies or apply to work with me as your seven figure mentor. Ill show you how to save more without giving up what you love make" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7545158485223279880) 2025-09-01T16:28Z 2.3M followers, 163.5K engagements "I share my portfolio at the end 👀 But you need to understand this first. Most investors have no idea they are quietly setting themselves up to make less money long term. This year almost all of the stock markets growth came from a handful of massive tech companies. Fidelity confirmed it. If you own the S&P [---] or QQQ you are probably holding the same companies more than once. Apple. Microsoft. NVIDIA. Amazon. It looks diversified. It is not. Even Vanguard is warning that large cap U.S. stocks are trading above fair value. Their forecast shows bonds returning around [--] to [--] percent annually" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7600066238538173717) 2026-01-27T17:00Z 2.3M followers, 10.3K engagements "I share my portfolio at the end 👀 But you need to understand this first. Most investors have no idea they are quietly setting themselves up to make less money long term. This year almost all of the stock markets growth came from a handful of massive tech companies. Fidelity confirmed it. If you own the S&P [---] or QQQ you are probably holding the same companies more than once. Apple. Microsoft. NVIDIA. Amazon. It looks diversified. It is not. Even Vanguard is warning that large cap U.S. stocks are trading above fair value. Their forecast shows bonds returning around [--] to [--] percent annually" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7600845732173581584) 2026-01-30T17:00Z 2.3M followers, [----] engagements "👇 Heres what you can do right now If market drops scare you this part is important. What most people dont realize is that market corrections are not the thing that destroy wealth. Theyre often the thing that creates it. The problem isnt the red day. The problem is not understanding what a red day actually means. When hundreds of billions leave the market it doesnt mean everything is broken. It usually means expectations are being reset and prices are adjusting. Hi Im Nicole Victoria. I went from $40000 in debt to building an eight figure net worth by learning how markets actually work and by" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7601229215861574933) 2026-01-30T18:51Z 2.3M followers, 85.9K engagements "👇 Heres what actually matters This isnt about chasing a random ETF. Its about understanding why money moves the way it does. When you understand market rotation you stop panicking at headlines and stop feeling late or behind. This is how experienced investors think. They dont ask whats hot. They ask where money is flowing right now and why. Im Nicole Victoria. I went from forty thousand dollars in debt to multi millionaire by learning how the market actually works and building a strategy instead of guessing. If you want to invest with clarity instead of confusion start with my free trainings" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602792026983238933) 2026-02-03T23:56Z 2.3M followers, 14.1K engagements "How to get ready If this is the start of the next wealth transfer you want to be positioned not panicking. And if it turns out this isnt the one that doesnt mean another isnt coming. Market corrections and crashes happen regularly. On average every couple of years. Right now theres a lot of shakiness under the surface. Investors are getting nervous. Volatility is picking up. Hype driven parts of the market are being questioned. This is often how bigger shifts begin. And even in the best case scenario where this doesnt turn into a full crash getting your finances together is never a waste." [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7603057248482495764) 2026-02-04T17:05Z 2.3M followers, 18.9K engagements "Heres what you need to know 👇 The economy feels weird right now and thats because it is. Hiring data is starting to slow payroll expectations are coming in lower than forecasted and next weeks job numbers could tell us whether were heading toward a soft landing or something more serious. Heres what most people miss: Markets dont wait for recessions to be confirmed. They move when incentives change. Companies are under pressure to keep profits growing because shareholders expect constant improvement. When sales slow or uncertainty rises executives have two options: increase revenue or cut" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7603802650198674709) 2026-02-06T17:17Z 2.3M followers, [----] engagements "This is how people stay fake rich 👇 Rich people are not using their hard earned income to LOOK rich. They build assets first and let their investments pay for the lifestyle. I know this because I did the opposite of what most people are doing right now. I went from $40000 in debt to millionaire by [--] by focusing on investing compounding and building assets instead of financing status. If you feel like you make good money but still feel financially stuck stressed or like you have nothing to show for it its usually not an income problem. Its a strategy problem. I teach women how to stop" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7604942700084792596) 2026-02-09T19:01Z 2.3M followers, [----] engagements "oh THIS is why people never start investing 🤯👇 theyre waiting for the perfect moment that never feels safe enough. markets high = scary. markets low = even scarier. crashes dont feel like opportunity when youre living through them. they feel like chaos panic and headlines telling you everything is falling apart. think COVID. everyone says they wouldve bought in hindsight but in real time most people froze. wealthy investors dont wait for certainty. they build systems so they can keep investing no matter what the market is doing. I went from $40K in debt to millionaire by [--] and now generate" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7605640715703586069) 2026-02-11T16:10Z 2.3M followers, [----] engagements "Avoidance isnt laziness. Its overwhelm. You dont avoid checking your bank account because youre irresponsible. You avoid it because every time you look it reminds you that you dont feel in control yet. When you dont have a clear system your brain chooses distance over discomfort. So you stop looking. You stop planning. You tell yourself youll deal with it later. I know this because I lived there. I went from $40K in debt to millionaire at [--] and the biggest shift wasnt discipline or restriction. It was building simple systems that made my money feel predictable and safe instead of" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7605982893265046804) 2026-02-12T14:18Z 2.3M followers, 15.7K engagements "Everyone keeps saying inflation is cooling like that automatically means relief is coming. The reality is more nuanced than that. Cooling inflation doesnt mean prices go back to what they used to be. It just means theyre rising more slowly while were still living inside a permanently higher cost environment. Thats why so many people feel disconnected from the headlines right now. And before someone says so we just need prices to fall broad deflation isnt the financial reset people imagine. Historically it shows up alongside weaker hiring fewer raises slower growth and more uncertainty. Lower" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7606382395046038805) 2026-02-13T16:08Z 2.3M followers, [----] engagements "Money doesnt come from ONE place Most people think rich people just earn more. They dont. They build multiple streams that pay them in different ways at different times for different reasons. Some streams pay now. Some grow quietly in the background. Some create freedom long before you realize whats happening. And this is where most people get stuck because no one actually explains how to start building these in real life without overwhelm. You dont need [--] businesses. You dont need to work harder. You need a strategy that turns your income into systems that keep paying you. I went from $40K" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7606750331073989908) 2026-02-14T15:56Z 2.3M followers, [----] engagements "I make six figures a year from real estate without owning buildings. Most people think real estate investing means saving a massive down payment dealing with tenants or taking on huge mortgages. Thats what keeps people stuck watching from the sidelines while wealthy investors quietly use strategies that give them exposure to real estate income without becoming landlords. How to buy an apartment building for $1 isnt clickbait. Its a mindset shift. Because the real secret isnt owning the building. Its owning the income stream. Instead of trying to buy one property and hoping it works you can" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7607478920711064853) 2026-02-16T15:03Z 2.3M followers, [----] engagements "what social media calls hot girl s*** is mostly just consumerism in a cute outfit. real hot girl s*** having an emergency fund so youre not one bad month away from panic. owning assets that pay you while youre at brunch. watching your net worth grow while everyone else is chasing the next trend. being financially independent so no one gets to control your choices. because buying a new bag isnt power. having options is. I went from $40000 in debt to millionaire by [--] by focusing on assets income and strategy instead of aesthetics. and the women who actually feel confident about money arent the" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7607504822824209684) 2026-02-16T16:44Z 2.3M followers, [----] engagements "I cant believe its this easy 😭😭👇 I went from a few thousand dollars to six figures to a seven-figure net worth by [--] and honestly one of the biggest differences wasnt picking the perfect stocks. It was how I set up my investing system from the beginning. Right now people are nervous about the market. Youre seeing AI fears shifting sentiment and the Fear & Greed Index moving into fear territory. Most people think that means wait. Experienced investors think differently. They focus on structure positioning and making sure their accounts are set up so they can take advantage of opportunities" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7607530599389170965) 2026-02-16T18:24Z 2.3M followers, [----] engagements "I cant believe how many people just accept rent increases without realizing they have options 😭 Most people think a rent hike is just something that happens to them. But the women I work with learn how to build financial positioning so they have leverage choices and a plan no matter what the market or a landlord does. I went from $40000 in debt to becoming a millionaire by [--] by learning how to protect my downside understand the system and make strategic money moves instead of emotional ones. And this is exactly what I teach inside my world. Because real financial security isnt just about" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7607660828917042453) 2026-02-17T02:49Z 2.3M followers, [----] engagements "This is how you pay less interest and get out of debt faster. I know no one teaches this stuff and thats exactly why people stay stuck paying 19% 24% even 30% interest thinking its their fault or that theyre bad with money. Youre not. You were just never shown the strategy. For context if youre new here hi Im Nicole. I went from $40000 in debt to becoming a millionaire by [--] without giving up my life or cutting out everything I enjoy. I teach real financial strategy not shame not hustle culture and not vague advice. Ive been featured in CBC Fox Business Insider and The Financial Times for my" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7589310356523126036) 2025-12-29T16:00Z 2.3M followers, [----] engagements "This might make people uncomfortable but it is true Who you marry will have a bigger impact on your financial future than how much you make Two people can earn the same income and end up in completely different places based on Risk tolerance Debt habits Emotional regulation around money Long term thinking If you want wealth that feels safe and not fragile you have to learn how to build it from the inside out With or without a partner I break this down in my free New Year Rich Me training It is where you learn how wealthy people actually think about money and decisions Link in bio" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7590446783000546581) 2026-01-01T17:30Z 2.3M followers, 11.4K engagements "We are not raw dogging the economy in [----]. If the market drops that is a wealth transfer. If it does not congrats you still got your financial life together. There is literally no losing scenario here. Being prepared is not panic. It is not fear. It is not manifesting bad vibes. It is just not being sloppy with your money. I am Nicole Victoria. I went from $40000 in debt to becoming a millionaire by [--] by doing the opposite of the advice most people are given. I have been featured in CBC Fox Business Insider and The Financial Times and I have helped thousands of women stop guessing stop" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7593028334397738247) 2026-01-08T16:28Z 2.3M followers, 25.9K engagements "If you want to learn how to invest in a way that actually works when markets feel uncertain this is exactly what I teach. Heres the nuance that matters. This is not a prediction. I am not saying a sell America moment is guaranteed and I am not saying anyone should panic or pull their money out of the market. What I am saying is that markets react when confidence in how money is governed starts to get questioned. They do not wait for something bad to officially happen. They react when the rules feel less clear. That is how risk works. This is also why I do not teach people to chase hot stocks" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7594520023343861000) 2026-01-12T16:56Z 2.3M followers, 20.2K engagements "Most people get this wrong. They think getting rich in the stock market is about predicting rate cuts timing the Fed or chasing whatevers popular right now. Its not. Its about understanding how the stock market actually works so you can make smart long term decisions no matter what the economy is doing. If youre new here hi 👋🏼 Im Nicole Victoria. I went from $40000 in debt to becoming a self made millionaire by [--] by learning how wealthy people invest and building systems that work over time. Now I teach women how to do the same. Ive helped thousands of women build real investment" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7594886918395923720) 2026-01-13T16:40Z 2.3M followers, [----] engagements "Is this the big crash everyones been worrying about Every time the market goes red people jump straight to worst-case scenarios. And I get it. When you dont understand whats actually driving the move it feels like something is seriously wrong. But most market drops arent about disaster. Theyre about uncertainty getting repriced. Hi Im Nicole Victoria. I went from $40000 in debt to becoming a millionaire by [--] by learning how money actually works not by reacting emotionally to headlines. Since then Ive helped thousands of women stop panicking get confident with investing and build real wealth" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7597478412810210567) 2026-01-20T16:16Z 2.3M followers, 19.6K engagements "The reason debt feels endless Its not because youre bad with money or lacking discipline. Its because most people are reacting to their finances instead of following a plan. I didnt get out of $40000 of debt by cutting out small joys or trying to be perfect. I got out by learning how money actually works choosing a strategy that made sense for me and then sticking to it long enough to see results. Thats why I dont believe theres one magic method that works for everyone. The best plan is the one you actually follow. My vote is still avalanche because it saves the most money but any plan beats" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7600046901899169045) 2026-01-27T14:23Z 2.3M followers, [----] engagements "Most people do not struggle with money because they are lazy or irresponsible. They struggle because they were taught the wrong rules. If you want to build real wealth you have to learn how wealthy people actually think and move with money. Not the advice that sounds responsible but keeps you stuck. I did not grow up rich. I started with $40000 in debt and no insider access. What changed everything was studying what happens behind closed doors. How wealthy people structure their income taxes investments and decisions during uncertain markets. While most people are budgeting harder and pulling" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7600063489863912724) 2026-01-28T14:00Z 2.3M followers, 22.8K engagements "Most people stay broke not because theyre not working hard enough but because they dont even realize theyre trapped in a cycle. 💰 Selling tomorrows dollars to pay for yesterdays spending. 💰 Keeping all their money in a savings account while inflation eats it away. 💰 Thinking the only way to make more is to work harderwhile the rich make more by investing. I went from $40K in debt to a millionaire at [--] because I learned what the rich actually do with money. And once you see it you cant unsee it. Heres how to break out of Broke-Tok and actually start building wealth: [--] Change what you" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7600063897109794068) 2026-01-28T08:00Z 2.3M followers, 15K engagements "Same strategy Ive used for years. The numbers just keep getting bigger 💅 Hi Im Nicole Victoria. I went from $40000 in debt to an eight-figure net worth by actually understanding how money works instead of guessing or gambling in the stock market. Ive been featured in CBC Fox Business Insider and The Financial Times and I teach women how to build real wealth through investing without day trading panic selling or trying to pick the perfect stock. This is what rich people do differently. They understand how money is made through capital gains and income. They buy assets when theyre on sale." [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7600074733085904149) 2026-01-27T16:11Z 2.3M followers, [----] engagements "If youre not here yet I can help you get there. Because most people were never taught how to set up their money the wealthy way. Hi Im Nicole Victoria. I went from forty thousand dollars in debt to millionaire by thirty and now I teach women how to finally get ahead with money without budgeting or restriction. Ive been featured in CBC Fox Business Insider and The Financial Times. Ive helped thousands of women build wealth pay off debt increase their income and finally feel in control. If you want to learn the strategy that actually works start with my free training. Link in bio" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602337390006373648) 2026-02-03T19:00Z 2.3M followers, [----] engagements "This is the part nobody tells you Its not about the $40 sweater or the $20 takeout order. Its about what that money could have grown into if you invested it instead of spending it. It's called OPPORTUNITY COST. aka if you are putting it in one place what is the cost of a missed opportunity you could have had by putting it somewhere else The key here is figuring out which option truly brings you the most long-term happiness. Spending money isn't the enemy but spending out of alignment with our values and our goals is. we want to put our money in places where we will extract the most happiness" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602339150070680848) 2026-02-06T16:00Z 2.3M followers, 19.4K engagements "Babe this is the trap. You work your life away to pay for a house you barely see a car you only drive to your job and a couple days off you are too exhausted to enjoy. You save scraps that shrink with inflation then treat yourself so you can pretend it is freedom. That is not wealth. That is a hamster wheel dressed up as a lifestyle and the system needs you to keep running in circles. The rich do not play this game. They own assets. They buy freedom. They make money while they sleep. If you are ready to get off the wheel and finally learn the game the rich are playing start with my free" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602339627642490128) 2026-02-07T18:00Z 2.3M followers, [----] engagements "Join my free masterclass to start investing.even if you feel clueless or late to the game. I went from $40k in debt to a millionaire by [--]. Now Im teaching you the exact steps that changed everything. Click the link in my bio to start building real wealth TODAY 💕💕" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602339800452009217) 2026-02-07T20:30Z 2.3M followers, [----] engagements "Passive income isnt a vibe. Its a f*cking strategy. You dont manifest money that works while you sleepyou build it. You want freedom Cool. Then stop scrolling and start acting like someone who wants it. You think the wealthy are just lucky No they engineered their income to never stop. You want what they have Learn what they do. I teach it for free. But you have to show up. 👉 Watch my free How to Get Rich in a Recession Masterclass. Link in bio" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7602339981344001296) 2026-02-08T16:00Z 2.3M followers, [----] engagements "I teach you how 💸 👀" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7086254553108090117) 2022-04-14T00:46Z 2.3M followers, 29.9K engagements "How to check your credit score for FREE Checking your credit score is a boring but super important part of being good with money and thats because your credit score will directly impact how much money you pay for things like your mortgage car loans and sometimes even your car insurance. People with a higher credit score will qualify for lower rates and will pay less for the exact same thing. Having good credit is a super easy way to save money without changing your lifestyle. In Canada you can check your credit report for free by contacting one of the two major credit bureaus: Equifax and" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7282789230525353222) 2023-09-25T15:41Z 2.3M followers, 32.4K engagements "Im teaching you how to grow your money instead of letting it fly out of your life. If youve gotten an inheritance maybe a big bonus at work or even won the lottery - basically coming into a larger lump sum of money and you want to make sure youre smart with it this video is for you. In part one I talked about your Financial Set Point and how that needs to be the first step you take to make sure you dont lose money. Now I know everyone wants to skip right ahead to investing because its sexy I get it - who doesnt want to make money while they sleep The thing is investing is NOT the first step" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7311409033980677382) 2023-12-11T18:41Z 2.3M followers, 16.1K engagements "The best way to get rich is to invest. This is because you make more money without working harder. When you invest in real estate you use leverage (aka loans) which can help you make more with less. Real estate is awesome but it requires more of your time/effort than stocks will. When you invest in stocks it's truly passive income. Buying a stock makes you a part owner in companies that can share their profits with you (called dividends) and you make money when they do well. The easiest way to start is by buying things like asset allocation funds target date index funds or index funds/ETFs." [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7374952052788612357) 2024-05-31T00:20Z 2.3M followers, 49.5K engagements "Want to know how the rich build wealth faster They use leverage. ✨ They leverage systems to automate their success. ✨ They leverage people by delegating tasks so they can focus on earning more. ✨ They leverage money to make their money work for them through investing. ✨ They leverage mentors to skip the trial and error and fast-track their progress. Leverage isnt just for millionairesits for YOU too babe. Whether it's automating savings negotiating a raise or learning from someone who's already done it you can start building wealth faster TODAY. In Part [--] Im showing you how to pull all these" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7459144368851717381) 2025-01-12T21:29Z 2.3M followers, [----] engagements "Most people stay broke not because theyre not working hard enough but because they dont even realize theyre trapped in a cycle. 💰 Selling tomorrows dollars to pay for yesterdays spending. 💰 Keeping all their money in a savings account while inflation eats it away. 💰 Thinking the only way to make more is to work harderwhile the rich make more by investing. I went from $40K in debt to a millionaire at [--] because I learned what the rich actually do with money. And once you see it you cant unsee it. Heres how to break out of Broke-Tok and actually start building wealth: [--] Change what you" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7488007777470663991) 2025-03-31T16:14Z 2.3M followers, 1.8M engagements "You ever wonder what a multi-millionaire is actually invested in Im breaking down my portfolio in my latest series. What I hold. Why I hold it. And how I use it to generate $150K+ a year in passive income without touching my stocks. If you want the blueprint Im handing it overno gatekeeping. Watch the series + grab the free trainings at www.nobudgetbabe.com/freebies 💅 Im [--] with a $10M net worth. $8M+ is invested. $150K+ a year in passive incomewithout selling a single stock. No trust fund. No rich husband. No magic windfall. Just smart money moves that actually work. I break it all down in" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7526224322227178758) 2025-07-12T15:54Z 2.3M followers, 161.1K engagements "There is SO much bad investing advice on this app.and even worse Good advice getting twisted into straight-up garbage. Just buy the S&P [---]. Go all-in on international. No The S&P [---] only covers the biggest U.S. companies. youre missing small-cap mid-cap and international entirely. And markets move in cycles. Different areas lead at different times. If your whole strategy is based on whats trending on TikTok youre not investing. Youre reacting. I teach you how to build a portfolio that actually grows no matter what happens. 🎓 Free masterclass for beginners in my bio or apply to work with me" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7529599440353578245) 2025-07-21T18:11Z 2.3M followers, 17.4K engagements "Everyones saying the economy is strong because unemployment is low and job growth looks stable But the numbers have been quietly revised Long-term unemployment is rising High earners are falling behind And the Fed is preparing rate cuts not because things are good but because things are breaking Youre not supposed to see this part But Im showing you anyway If you want to learn how to protect yourself and build real wealth while the headlines lie Take my free masterclass How to Get Rich in a Recession Link in bio Everyone says the economys fine. Im going to show you why thats a lie. Everyone" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7535153261653806392) 2025-08-05T17:23Z 2.3M followers, 80.9K engagements "Its wild because so many of us are still trying to build a life using rules that were written for an economy that no longer exists. And then we wonder why we feel stuck. Why everything feels harder than it should be. Why were doing everything right and nothing is adding up. But heres the truth most people avoid. One plus one doesnt equal two anymore. The inputs changed. The math changed. The cost of living changed. The paths our parents walked arent open to us in the same way. And that doesnt mean youre failing. It means youre using an old equation in a new world. The moment you let that land" [TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7577416890725780743) 2025-11-27T14:47Z 2.3M followers, [----] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@nobudgetbabe Nicole Victoria | Money Coach
Nicole Victoria, a money coach, is emphasizing the importance of preparing for and leveraging market downturns to build wealth. She encourages viewers to invest wisely, not save their way to wealth, and understand key financial concepts like the rule of [--] and time value of money. Her focus is on educating people on smart financial moves to achieve financial safety and security.
Engagements: [------] #
- [--] Week [-------] -24%
- [--] Month [-------] +53%
- [--] Months [---------] -51%
- [--] Year [----------] -29%
Mentions: [--] #
- [--] Week [--] -3.30%
- [--] Month [---] +10%
- [--] Months [---] -7.60%
- [--] Year [---] +151%
Followers: [---------] #
- [--] Week [---------] -0.03%
- [--] Month [---------] -0.24%
- [--] Months [---------] +0.23%
- [--] Year [---------] +8.20%
CreatorRank: [-------] #
Social Influence
Social category influence finance 100% stocks 8.77% countries 3.51% financial services 2.63% technology brands 1.75% fashion brands #4072 social networks 0.88% cryptocurrencies 0.88%
Social topic influence money #2819, debt #432, how to 26.32%, if you 25.44%, this is 18.42%, investment #1282, stocks #2665, $40k #51, in the 6.14%, rich #2028
Top accounts mentioned or mentioned by @tiffanycianci @currentlyunsupervised @zknityknit
Top assets mentioned SPDR S&P [---] ETF Trust (SPY) Goldman Sachs (GS)
Top Social Posts
Top posts by engagements in the last [--] hours
"Part 2: My Stock Market Portfolio 📊💸 This is part two of my series where Im breaking down exactly what Im invested in as a 34-year-old multimillionaireno gatekeeping. In this video Im walking you through my stock market portfolio: ✔ What ETFs I hold ✔ Why I use an asset-allocation strategy ✔ How I balance long-term growth and dividend income ✔ And how this part of my portfolio fits into my overall financial freedom plan This is the strategy that helped me go from $40K in debt to financially freeand now my investments pay me more than I ever made at a job. If youre ready to start building"
TikTok Link 2025-07-06T15:35Z 2.3M followers, 53.2K engagements
"I share my portfolio breakdown at the end 👀 But heres what you need to understand first. Most investors have no idea theyre setting themselves up to make less money long term. Fidelity recently confirmed that almost all the growth in the stock market this year came from a few massive tech companies. That means if you own the S&P [---] or QQQ youre probably holding the same names twice like Apple Microsoft NVIDIA and Amazon and youre far more exposed than you realize. Even Vanguard is warning that large cap U.S. stocks are trading above fair value while bonds could actually outperform over the"
TikTok Link 2025-11-03T17:09Z 2.3M followers, 125.4K engagements
"I went from $40000 in debt to becoming a millionaire by [--] by learning one thing most people miss about investing confidence doesnt come from pretending risk doesnt exist. It comes from protecting your downside so youre ready when opportunity shows up. While everyone argues about whether a crash is coming smart investors focus on positioning. They prepare during calm so they dont have to react emotionally during chaos. The real advantage isnt predicting the exact moment something happens. Its already having systems in place risk managed and capital ready before the crowd realizes whats"
TikTok Link 2026-02-15T00:32Z 2.3M followers, 19.2K engagements
"People who grew up rich won't tell you this but I had to fight my say here so I'm spilling all the tea. 🍵 If you invest $75 a week starting at [--] years old for [--] years just [--] years out of your entire life you could be financially free before [--]. Meaning you would no longer have to work for money. But how does that work because you would have only put away $39000. Because you invested it and compound interest took over the money grew - to almost $65000 in [--] years. And then over the next few decades it continued to grow until it got to over $1.8M at [--]. Any extra dollar you invested would"
TikTok Link 2023-02-26T15:49Z 2.3M followers, 14.2M engagements
"If you want to get rich in your 20s then you need to learn from the rich people. I went from $40k debt to a millionaire at [--] and now I'm spilling all my secrets so you can get here too. The first thing rich people don't do is work to pay for the things they want like the houses cars and travel. I just went on the most expensive vacation I've ever taken and I didn't pay for a dollar of it out of my pocket. Instead I focused on buying assets like stocks and real estate that pay me while I sleep and now that cash flow funds my lifestyle. And this is not just "for the rich" you could buy into an"
TikTok Link 2023-05-31T15:40Z 2.3M followers, 8.4M engagements
"Why I won't be buying more rental properties 👇👇 So here's the scoop Last year I made a jaw-dropping 18% return on one of my REIT investments 📈🤑 And guess what It was totally hands-off 🙌 Unlike managing a rental property which can be time-consuming and requires ongoing maintenance and tenant management my REIT experience was like a breeze 😎 But what exactly is a REIT 🤔 Well think of it as a magical investment vehicle that allows you to invest in real estate without actually owning physical properties. 🌟 Instead we pool our funds together with other investors to buy into a portfolio of"
TikTok Link 2023-06-30T17:32Z 2.3M followers, 197.4K engagements
"How to overcome a scarcity mindset 👇👇 If you're someone who's always stressed about money even when you have it. Who feels guilt or shame everytime you spend even on things you need - I'm going to share [--] tips that helped me overcome those feelings. Now this is really important because what I just described it a scarcity mindset. This had the same effects on the brain as actually living in poverty as not sleeping for an entire night or as alcoholism. It prevents you from making good decisions for your future because you're so worried about today and this will keep you broke. It becomes a"
TikTok Link 2023-09-02T14:20Z 2.3M followers, 68.9K engagements
"Today I'm sharing two ETFs that I own that pay me out thousands of dollars a year in dividends. Here's a shot of the dividend payouts from one of my accounts this quarter you can see some of my investments pay me out monthly some quartley. The first investment is ZRE it's a real estate investment trust ETF. Basically it allows me to get paid like a landlord without actually having to be a landlord although I do own a rental property. It pays out over 5% a year and has made me a part owner in [--] REITs who own thousands of properties across industries like retail Healthcare and industrial. A"
TikTok Link 2023-09-06T16:03Z 2.3M followers, 273K engagements
"How to check your credit report FOR FREE 👇👇👇 This one is for my US Babes 🤍 [--]. Visit AnnualCreditReport.com: Go to the official website AnnualCreditReport.com. This is the only website authorized by the federal government to provide free annual credit reports. Be cautious of other websites that may offer "free" reports but require you to sign up for paid services. [--]. Request Your Credit Report: On the AnnualCreditReport.com homepage click on the "Request your free credit reports" button. [--]. Provide Your Information: You will need to enter personal information such as your name date of"
TikTok Link 2023-09-15T15:46Z 2.3M followers, 64.2K engagements
""This is [----] all over again." Thats what @tiffanycianci said in a video that absolutely shook me. And after looking into it I have to admit shes 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 fundsmeaning 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. Heres"
TikTok Link 2025-03-18T00:41Z 2.3M followers, 308.6K engagements
"How to invest if you dont know where to start. Heres the quick version: ✅ Open a self-directed account (Questrade Wealthsimple Vanguard or Fidelity) ✅ Pick a low-fee diversified fund (like VEQT XGRO or a Target Date Index Fund) ✅ Automate it. Set it. Forget it. Let it grow. Most people were never taught this and thats why theyre stuck. But building wealth doesnt have to be hard. You just need the right strategy. Ive helped millions of people improve their financial situation using the exact methods I used to go from $40000 in debt to millionaire at [--]. And Im not keeping it a secret. Ive got"
TikTok Link 2025-07-10T20:44Z [--] followers, 103.2K engagements
"REITs need to pay out 90% of their profits to their shareholders (aka YOU) and that's why I love these for passive income. When you're just getting started I would keep REITs to 10% or less of your total portfolio and turn on DRIP to reinvest the dividends to compound your growth even faster (aka make you more money more quickly). Want to learn how to buy your first REIT step by step Check out my free Investing Masterclass on my website under FREEBIES or link in bio ✨ www.nobudgetbabe.com/freebies have REITs or the S&P500 provided higher long term returns 👀 have REITs or the S&P500 provided"
TikTok Link 2025-07-22T12:55Z 2.3M followers, 14.1K engagements
"Everyone thinks you have to be a landlord to make money in real estate but the rich know better 👀 Theres a real estate loophole thats been quietly beating the biggest US companies for the last [--] years and you can buy into it from your phone just like a stock. No tenants. No repairs. Just cash in your account. Ive been using this strategy for years as part of my portfolio and its helped me go from $40000 in debt to millionaire by [--]. If you want to learn exactly how I invest and the other assets I use to build six figures in passive income grab my free investing masterclass at"
TikTok Link 2025-08-10T16:14Z 2.3M followers, 11.4K engagements
"Lets talk about how these actually fit together in a real portfolio because this is where most people overthink it. VEQT or VT is the foundation. That is where you are getting exposure to the US and international markets all in one. If you are young and have time on your side you can go all equity. If you are getting closer to needing the money you can add in bonds or choose something like VGRO which already has the mix done for you. VOO or VFV is just the S&P [---]. This is where people get it wrong because the S&P [---] is not a full portfolio. It is only the largest US companies. No"
TikTok Link 2025-09-21T18:57Z 2.3M followers, 506.8K engagements
"Most people think investing in the S&P [---] is a complete plan. Its not. Yes the S&P [---] is great for long-term growth but its only one piece of a portfolio. Its made up of [---] large U.S. companies which means it is heavily concentrated in one country one market type and one size of company. Fidelity confirmed that almost all of the markets growth this year came from a handful of tech giants. So when people think theyre diversified because they own an index fund theyre often just doubled up on the same companies like Apple Microsoft Amazon and NVIDIA. Thats not diversification. Thats"
TikTok Link 2025-11-04T01:37Z 2.3M followers, 61K engagements
"5 moves to make the most money over the next decade 👇 Goldman Sachs just predicted the S&P [---] will return only 6.5% a year over the next [--] years. Historically its been closer to 10%. That might not sound like much but over time that gap can mean hundreds of thousands of dollars lost if you do nothing differently. Most people will see that and panic. The wealthy see it and adjust. Because the truth is the market doesnt create wealth. Strategy does. Heres what the wealthy focus on when returns are expected to slow: [--] Lowering fees so they stop losing 1% a year to overpriced advisors. 2"
TikTok Link 2025-11-12T16:25Z 2.3M followers, 165K engagements
"When a CEO sells millions of dollars of their own shares people assume it means one thing. But insider selling can happen for many reasons. It could be taking profits. It could be diversification. It could be rebalancing. And yes it could mean they think the market is overheated. All of those possibilities can be true at the same time. Tech has been running wild. Investors are overexposed. Companies are spending billions to stay in the AI race. Not every company is going to win and this level of growth never moves in a straight line. So when an executive trims their position it does not"
TikTok Link 2025-11-19T14:14Z [--] followers, 69.5K engagements
""More money" wont save you. Psychologists widely believe that by around age [--] weve already started forming our beliefs about money. Not because anyone sat us down and taught us about investing or saving but because we were watching. The tone in the house. The stress. The conversations. The way money showed up or disappeared. So when you make more money as an adult and still feel tense overly careful or like youre bracing for something to go wrong its not random. Your nervous system learned early on that money wasnt something you could relax around. This is why tactics alone dont work. You can"
TikTok Link 2025-12-22T18:31Z 2.3M followers, [----] engagements
"This is how you get rich in [----] 👇 If youre in your 20s or 30s and feel behind with money this is for you. Hi 👋 If you dont know me Im Nicole Victoria. I went from $40000 in debt to becoming a millionaire by [--] by studying how wealthy people actually build money and then doing the same thing myself. Ive been featured in CBC Fox Business Insider and The Financial Times published a top personal finance book and Ive helped thousands of women ✔ start investing from scratch ✔ pay off debt without giving up their life ✔ increase their income ✔ build real wealth that doesnt rely on hustle or"
TikTok Link 2026-01-09T16:22Z [--] followers, [----] engagements
"How I became a millionaire at [--] Most people say I want to be rich and then wonder why nothing changes. Thats not a plan thats a wish. Wealth starts when you get specific and decide what youre actually building and how. For me it meant creating a real financial plan investing consistently into simple asset allocation funds and letting time and math do the heavy lifting instead of relying on motivation or luck. The second shift was dropping the victim mindset. I didnt grow up with money. No one taught me this either. But staying stuck in must be nice or I wasnt taught this keeps you broke."
TikTok Link 2026-01-24T20:57Z 2.3M followers, [----] engagements
"What this means for you 👇 Most people are stuck asking the wrong question. Is America doomed. Is the S&P going to crash. Should I pull everything out and sit in cash. Thats not how real investors think. When headlines get loud inexperienced investors freeze. Experienced investors zoom out understand the system and position themselves to benefit. I didnt build an eight-figure net worth by guessing what the next decade would look like. I built it by learning how money actually moves how governments behave under pressure and how assets respond when currencies politics and sentiment shift. The"
TikTok Link 2026-01-29T17:12Z 2.3M followers, 16.9K engagements
"Replying to @currentlyunsupervised Heres how you can start I love this question because it lets me show you how I actually invest as a millionaire. And no you do not need $50000 to do this. The framework is the same whether youre starting with $100 or six figures. The only thing that changes is the number of zeros. Hi Im Nicole Victoria. I went from $40000 in debt to becoming a millionaire in my 30s and I now earn multiple six figures a year in passive income. Ive helped tens of thousands of women learn how to invest build real wealth and stop feeling confused or behind with money. This is"
TikTok Link 2026-02-01T23:18Z 2.3M followers, [----] engagements
"How to make the most money this year Everyones asking what the f is happening in the stock market today and it feels confusing because the real story isnt in the headlines. Markets didnt move because everything is suddenly amazing. They moved because fear backed off. Behind the scenes big money heard okay the world isnt falling apart right now and money started leaving panic mode. Thats why stocks can go up at the same time gold is acting unhinged and everyone still feels anxious. If that already made more sense than anything youve read today keep reading. Im Nicole Victoria. I went from 40k"
TikTok Link 2026-02-02T18:30Z 2.3M followers, 13.9K engagements
"Learn to embrace GSD mode. Get s* done even when it feels scary.** Hi Im Nicole Victoria. I went from forty thousand in debt to millionaire at thirty because I stopped waiting for someone else to make the first move. My first million came from real estate and the stock market but real estate was the biggest jump because of leverage. And now I run one of the top financial literacy companies for women. Ive helped thousands of women change their entire financial trajectory by learning how money actually works. This is the mindset shift that made me a millionaire. I stopped waiting for permission"
TikTok Link 2026-02-03T21:00Z 2.3M followers, [----] engagements
"Its crazy how everything changed when I stopped asking how do I afford this and started asking how do I make more That one mindset shift took me from stressing about bills to building a seven-figure net worth. The rich dont save their way there. They learn how to earn invest and multiply what they already have. If youre ready to stop playing small and start building real wealth grab my free From Broke to Millionaire in [--] Steps training at www.nobudgetbabe.com/freebies 💰"
TikTok Link 2026-02-04T20:30Z [--] followers, [----] engagements
"10/10 recommend letting a slightly neurotic version of you handle your finances early. Truly changed my life"
TikTok Link 2026-02-05T16:30Z 2.3M followers, [----] engagements
"The real cost isnt the money. Its what that $173000 could have done for your life. By your mid-30s thats enough to hit Coast FIRE. Meaning your retirement is essentially funded. You dont have to save another dollar to be okay later. That changes everything. It means you can take a lower-stress job. Work fewer hours. Say no to toxic environments. Build something on the side without panic. Stop making decisions from fear. Thats what opportunity cost actually is. Not missing out on stuff. Missing out on options. One small repeated decision can quietly lock you into stress or quietly buy you"
TikTok Link 2026-02-05T20:00Z 2.3M followers, [----] engagements
"Everyone needs an FU number. Because sometimes the most professional thing you can say is actually f*** you I quit while sipping an espresso martini in the middle of a Tuesday. Thats what true financial freedom looks like. I hit mine in my thirties because I stopped listening to broke advice and started using the same strategies the rich use to build wealth. Thats how I went from $40k in debt to millionaire by [--]. If you want your money to work harder than you do and start building your own FU money my free training is where you need to be. I walk you through the exact 5-step process I used"
TikTok Link 2026-02-06T20:00Z 2.3M followers, [----] engagements
"Expand the room. Dont guard the door. Hi Im Nicole Victoria. I teach women how to build wealth safety and independence through smarter money decisions and investing without shame or competition. Another woman having something you want isnt a threat. Its proof. Proof its possible. Proof theres a path. Proof you can ask questions instead of shrinking or comparing in silence. Secure women dont compete. They get curious. They collaborate. They learn from the women who already did it and then pull others up behind them. Ive seen women leave abusive relationships buy homes pay off debt and"
TikTok Link 2026-02-03T17:41Z 2.3M followers, [----] engagements
"She Wiped Out Her Student Loans And Is Officially Debt Free 🎉💥 Teaira just hit one of the BIGGEST milestones there is and we are celebrating HARD. 🙌 Heres why this win is massive. ✅ Before the program: Teaira was carrying student loans and credit card balances that felt like theyd always be there. Debt was just part of life. ✅ Why she was stuck: Like so many people payments felt endless and freedom felt far away even though she was doing everything right. ✅ The game changer: Learning how to structure her money with intention and follow a clear payoff strategy instead of just reacting to"
TikTok Link 2026-02-04T17:00Z [--] followers, [----] engagements
"POV: youre rich but still DIY everything 💅 Because yes I can afford to get it done but why would I pay more for the same thing Its not about not spending money. I love spending money. I just like to be efficient with it. My rule is simple if I can get the same result for less thats more money I can put toward other things that make me happy. Like if I save a few thousand here thats another vacation for me. Yay me. ☀✈ So yeah maybe I just destroyed my face or maybe Im financially efficient. Either way I stand by my WPM (Why Pay More) principle. Also yes those are my towels on the floor in the"
TikTok Link 2026-02-04T16:00Z 2.3M followers, [----] engagements
"I dropped out of school at [--] so I could move out and work full time to support myself. I was stealing toilet paper from the gym bathroom while people I went to school with had their parents buying them houses and cars. I didnt get generational wealth. I got generational trauma. Ive been in therapy on and off for decades. Not because Im dramatic but because complex PTSD is a real thing. PTSD is like getting hit by a car once. Complex PTSD is like getting hit by a car every single day and being told to calm down. All that hyper-independence people love to judge is exactly why Im good with"
TikTok Link 2026-02-04T21:29Z 2.3M followers, [----] engagements
"Is this an opportunity 👇 Everyone is freaking out about layoffs hitting levels we havent seen since [----] but almost nobody is explaining whats actually happening beneath the headline. Markets dont wait for recessions to be confirmed. They move when incentives change. Public companies are under constant pressure to increase profits because shareholders expect growth every year. If sales slow or even look uncertain executives have two options: grow revenue or cut costs. And the biggest cost in almost every business is people. Thats why layoffs often show up BEFORE economic slowdowns fully"
TikTok Link 2026-02-05T17:15Z 2.3M followers, [----] engagements
"Your next move 👇 If everything feels heavier right now youre not imagining it. Were living through a phase where the system rewards ownership differently than effort. Some people feel like money is working for them while others feel like theyre working harder than ever just to stay in place. That tension shows up everywhere right now. In culture. In politics. Even in moments like the Super Bowl. And historically when we reach this stage the system goes through transition. The rules start shifting. And during transition periods most people freeze because uncertainty feels uncomfortable. But"
TikTok Link 2026-02-09T16:27Z 2.3M followers, 14.9K engagements
"The US is trying to pull off a major power move by banning TikTok and it looks like they're going to go through with it. This is not a joke it's not about social media it's not about the kids or protecting our data it's about freedom of speech. It's about them creating a moral panic to cover up for the fact that they don't want us to be connected in ways they don't control. Let me break it down for you: TikTok has allowed me to connect with over [---] million people and change their lives financially by teaching them things we should have been taught in school. It's not an accident or oversight"
TikTok Link 2023-03-24T15:49Z 2.3M followers, 372.6K engagements
"Replying to @zknityknit You're not living off of the principle you're living off of the returns the principle provides you. You can change the SWR (safe withdrawal rate) if you're retiring very early (a SWR of 3% has shown a 100% success rate over 50+ year periods) but ultimately most people regardless of age re using some form of the 4% rule (ie. desired annual spend x 25). The theory is that if the stock market goes up by 10% per year and you're only withdrawing 4% then your account balance should actually be going up not down. The stock market does not return the exact same amount each"
TikTok Link 2024-06-15T14:43Z 2.3M followers, 377.3K engagements
"On the surface capping credit card interest at 10% sounds like a huge win. And in a lot of ways it is. But money decisions at this level always have second and third order effects and thats the part most people miss. If you dont know me hi 👋 Im Nicole Victoria. I went from $40000 in credit card debt to becoming a millionaire by [--]. Not by budgeting harder or shaming myself but by actually learning how the debt system works and how to beat it. Ive helped thousands of women get out of credit card debt lower their interest pay balances off faster and build real wealth after feeling stuck for"
TikTok Link 2026-01-12T20:19Z 2.3M followers, 30.4K engagements
"If you don't want to work [--] hours a week for the rest of your life here's what you're going to do. I actually did this and went from making 50k a year to becoming work optional in my 30s that means I dont have to work if I don't want to. If you're [--] you're going to put away $500 a month don't have that right now don't worry I've taught our students hacks like how to negotiate a huge baller raise and money saving strategies like paying less for your debt or even your rent so you can save more. The thing here is you're not just going to save this money because saving alone will never change"
TikTok Link 2023-01-09T16:44Z 2.3M followers, 469.2K engagements
"Investing isn't FOR the rich it's how you GET rich. And it's not only how you get rich but it's the only real way to create financial safety and security for yourself. That's why I've created a new FREE training for you to help you get started. Grab your spot in our Ultimate Investing Masterclass on our website. 💰✅ Let's get you wealthy and paid 🔥 how to buy a stock step-by-step from a self made millionaire how to buy a stock step-by-step from a self made millionaire"
TikTok Link 2024-01-04T17:56Z 2.3M followers, 5.9M engagements
"👀 sharing some of the income streams that pay me out over [--] figures a year passively 💸 Keep learning with our free trainings Find them on our website under FREEBIES 🤍 start getting paid while you sleep with these passive streams of income open a HYSA open a stock brokerage account target date funds asset allocation funds index funds REITs MICs I make a few hundred dollars a month off mine become a millionaire tax free start getting paid while you sleep with these passive streams of income open a HYSA open a stock brokerage account target date funds asset allocation funds index funds REITs"
TikTok Link 2024-02-28T21:02Z 2.3M followers, 1.4M engagements
"Money lessons with a self made millionaire 👇 I'm financially free in my 30s which means I never have to work for money again if I don't want to. One of the ways I got here faster was by building up my streams of passive income - the average millionaire actually has [--] streams of income. One of my favorite is REITs or real estate investment trusts. This is where you own a piece of a company that owns and operates real estate and then shares their profits with you. One of the private REITs I own right now is District REIT. In [----] I made about $700 a month in passive income from them and the"
TikTok Link 2024-03-22T15:52Z 2.3M followers, 455.3K engagements
"Hot girls don't gatekeep here are the [--] different types of investments I have as a financially responsible [--] year old who plans on retiring early. [--]. Public REIT ETFs - a reit is a real estate investment trust and when you own one you become a part owner in a company that owns and operates real estate and then shares their profits with you. A REIT ETF is just a collection of different REITs and allows me to invest in many companies with a single click instead of just one. REITs allow you to get the benefits of being a landlord without actually being a landlord. I like them because they're"
TikTok Link 2024-04-14T22:46Z 2.3M followers, 679K engagements
"Don't get it twisted I still own the S&P500 but it is NOT my total portfolio. Based on the reasons I talked about I feel that this would be "putting my eggs in one basket" - and after seeing what's been happening in the US I don't feel confident doing that. We tend to believe that our experiences (that make up like 0.000001% of what actually happens in the world) represent everything that happens in the world. We believe that just because something has done well it always will. Or because something has been great it always will be. But there are lots of great companies that are not American."
TikTok Link 2024-05-31T19:34Z 2.3M followers, 102.5K engagements
"Your money fairy godmother 🧚♀ I teach you how money works so you can make more save more and start investing so you can get paid while you sleep 🫶 FINANCE [---] [--] money lessons to become financially literate FINANCE [---] [--] money lessons to become financially literate"
TikTok Link 2024-06-07T19:19Z 2.3M followers, 157.1K engagements
"How to Get Rich in 2025No Gatekeeping What if I told you that getting rich doesnt have to be complicated In this video Im sharing insights and strategies that helped me go from $40000 in debt to self-made millionaire by [--]. These are the same concepts I teach in my 3-month coaching program The Makin Money Moves Method. Its designed to help you shift your money mindset take control of your finances and build wealthwithout giving up the things you love. As a published author and featured expert in CBC Fox Business Insider and The Financial Times Ive helped thousands of students transform their"
TikTok Link 2024-12-31T15:24Z 2.3M followers, 6.4M engagements
"👉 How this works If you invest $10/day from [--] to [--] and stop contributing after that youll have about $60000 at [--]. But thanks to compound interest if you leave it alone it can grow to over $1000000 by [--] Now lets say at [--] you increase your contributions to $25/day. By [--] youd have over $700000. Even if you stopped contributing at [--] that money could still grow to millions by traditional retirement. Every dollar invested earlier buys you freedom faster. Thats the magic of time + compound interest. 🚀 Ready to get started Join my free investing masterclassIll teach you how to buy your first"
TikTok Link 2025-01-14T14:03Z 2.3M followers, 171.1K engagements
"If you want to get rich you need to learn from rich people. And if you dont know anydont worry Ive got you. I went from $40000 in debt to millionaire by [--] 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 theyre following the wrong playbook. Theyre budgeting saving pennies and playing defense While the rich are buying income lowering taxes and building systems that print money. And right nowwith the market as volatile as it isunderstanding how to play offense with your money"
TikTok Link 2025-05-01T18:43Z 2.3M followers, 2M engagements
".Because that is when you are most profitable. They drain you at your [--] to [--] keep you just tired enough to do it all again tomorrow and then sell you the cures for your own exhaustion. The coffee the retail therapy the spa day the subscription you dont even use. Its all one big setup to keep you broke and anxious because that is when you spend the fastest. Here is the truth. The system was never built for you to win. The way out is not grinding harder it is learning how money actually works. I studied the rich. I buy assets that pay me. I understand how to invest how taxes work how to make"
TikTok Link 2025-08-18T13:25Z 2.3M followers, 1.9M engagements
"I went from $40000 in debt to millionaire by [--]. Now I teach women how to build wealth using the same principles the rich use. The fall of an empire is never obvious while its happening. But if you know what to look for the signs are everywhere. Billionaire investor Ray Dalio mapped out the entire cycle in his book The Changing World Order and the U.S. is checking every box. Ive spent years studying how money power and inflation actually work. Ive built an 8-figure net worth been featured in Business Insider Fox and The Financial Times and Im here to simplify what billionaires already"
TikTok Link 2025-11-09T22:41Z 2.3M followers, [----] engagements
"If your portfolio is bleeding its because youre overweight in tech or crypto. If youre diversified youre barely feeling this. This is why I teach you to build a portfolio not gamble on one sector and call it investing. Most people panic because they dont understand how the economy actually works. They dont know what manufacturing data means why inflation is still sticky or how rate cut expectations move the market long before the headlines do. Hi Im Nicole Victoria. I went from 40K in debt to millionaire at [--] and built an eight figure net worth by understanding the signals underneath the"
TikTok Link 2025-12-01T16:49Z 2.3M followers, 50.5K engagements
"This is not fear. It is timing. We are not in a crisis yet but the margin for error with money is shrinking. In environments like this the market does not create problems. It exposes them. The people who feel calm next year will not be luckier or smarter. They will be the ones who got organized before they were forced to. They know their numbers. They have buffers. They have a system instead of just income and hope. This is exactly why I went from $40000 in debt to becoming a millionaire by [--]. Not because I predicted anything but because I built a money system early enough to take advantage"
TikTok Link 2025-12-31T17:49Z 2.3M followers, 13.2K engagements
"If your money still depends entirely on you showing up to work this matters. Most people wait for clear signs before they move. By the time it feels obvious the opportunity has already passed. Wealth is built by systems not by reacting to headlines. I didnt grow up with money or get lucky. I learned how to make my money work harder than I ever could and thats how I went from $40k in debt to becoming a millionaire by [--]. Hi Im Nicole Victoria. Ive helped thousands of women stop feeling behind overwhelmed or confused about money and start building real wealth with a clear plan. Ive been"
TikTok Link 2026-01-05T16:06Z 2.3M followers, 12.3K engagements
"The biggest wealth transfers happen during market crashes. Just not in the way most people think. When markets drop fear takes over. The average person panic sells locks in losses and waits on the sidelines hoping things feel safe again. At the same time wealthy investors are doing the opposite. They are buying stocks real estate and businesses at discounted prices while others are exiting. This is not a conspiracy. It is how market cycles work. Every major crash in history has followed the same pattern. The Dot Com Bubble. The [----] financial crisis. COVID. Markets fall fear peaks and then"
TikTok Link 2026-01-29T20:00Z 2.3M followers, 18.8K engagements
"Lets talk about how these actually fit together in a real portfolio because this is where most people overthink it. VEQT or VT is the foundation. That is where you are getting exposure to the US and international markets all in one. If you are young and have time on your side you can go all equity. If you are getting closer to needing the money you can add in bonds or choose something like VGRO which already has the mix done for you. VOO or VFV is just the S&P [---]. This is where people get it wrong because the S&P [---] is not a full portfolio. It is only the largest US companies. No"
TikTok Link 2026-01-30T19:30Z 2.3M followers, 36K engagements
"Ive made a ton of money buying the dip. But heres the truth. I dont sit around waiting for dips. I stay invested and I take advantage of opportunities when I see them. If you want to learn how to do that without guessing the market or timing anything I can help you. Im Nicole Victoria the Millionaire Mentor. Ive been featured in Business Insider Fox CBC and The Financial Times. And Ive helped thousands of women go from confused and overwhelmed to confident investors who actually grow wealth. You dont get rich by trying to predict the market. You get rich by knowing what to do when"
TikTok Link 2026-02-01T20:05Z 2.3M followers, [----] engagements
"How I actually build wealth as a millionaire 👇 Hi Im Nicole Victoria. I went from $40000 in debt to becoming a millionaire by my 30s and I now teach women how to build real wealth by understanding how money actually works. Most people invest based on fear headlines and whatever feels safe in the moment. Thats why they end up panic-buying things like gold sitting in cash too long or constantly second-guessing themselves. Wealth isnt built by reacting. Its built by owning productive assets understanding compounding and having a strategy that works even when the story changes. This is why my"
TikTok Link 2026-02-01T00:05Z 2.3M followers, 29.7K engagements
"You dont get a soft life by doing soft things. You dont get it by choosing whats comfortable now. You build it by doing the hard sh*t up frontso your life gets easier later. If you keep choosing whats easy today (scrolling avoiding spending saying Ill start Monday) youre signing yourself up for decades of struggle. And most people dont realize theyre doing that until its too late. I knew I didnt want that life. So I did the uncomfortable stuff in my twenties. I built systems. I tracked my money. I made decisions other people werent willing to make. And now I live the soft life people dream"
TikTok Link 2026-02-08T19:30Z 2.3M followers, [----] engagements
"👇 If youre only relying on earned income there will ALWAYS be a ceiling on how much you can make. I keep seeing videos saying two incomes are better than one so tell your man to get two jobs 😂 but hear me out The real goal isnt MORE jobs. The real goal is MORE income streams. Because when your income only comes from working hours your freedom is limited by time energy and someone else deciding your paycheck. When you build multiple streams of income your money starts working whether you are working or not. And yes theres a reason the average millionaire has multiple income streams while"
TikTok Link 2026-02-08T16:09Z 2.3M followers, [----] engagements
"OMG have you seen this 👀 Bank of America just flagged a shift in the market that Ive been talking about for MONTHS and this is exactly why I keep telling you not to build your entire strategy around whatever has been winning lately. The market moves in seasons. One group leads for a while (hello big tech 👋) then money starts quietly flowing into other areas before most people even notice. And the investors who build real wealth arent the ones chasing hype theyre the ones positioned BEFORE the shift becomes obvious. If youre new here hi 👋 Im Nicole Victoria. I went from $40K in debt to"
TikTok Link 2026-02-10T16:18Z 2.3M followers, [----] engagements
"Everyones trying to figure out what the latest news means for their money and honestly this is where most people get stuck. They wait for clarity. They wait for confirmation. They wait for the right moment. But markets dont send an all-clear notification. The people actually building wealth arent changing direction every time a new headline drops. They already know how theyre investing when things look strong when things look uncertain and when bigger opportunities show up. Thats the difference. I didnt build my net worth by guessing what happens next. I built it by understanding how money"
TikTok Link 2026-02-12T16:35Z 2.3M followers, 12K engagements
"Filtered finances are making you feel broke when youre not. I just read an article saying Gen Z is the generation most likely to lie about their finances and honestly after working with influencers and seeing behind the scenes of social media Im not surprised. What youre seeing online is often a highlight reel mixed with debt brand deals leased lifestyles or curated narratives that dont reflect real wealth. And heres the paradox I keep seeing: People are terrified theyll never have enough to retire but also believe saving or investing small amounts isnt worth it. That mindset keeps you stuck."
TikTok Link 2026-02-13T14:19Z 2.3M followers, [----] engagements
"Delusional self belief is powerful. But you still need a f****** plan 👀👇 Confidence isnt pretending risk doesnt exist. Its knowing youll be okay even if things go sideways. The internet loves the I forced myself to level up stories. Quit the job. Sign the lease you cant afford. Go all in. Burn the boats. And somehow it magically worked Except what they dont tell you is the safety nets behind the scenes. Savings. Support. Privilege. A backup plan you never saw. Thats not confidence. Thats survivorship bias. Real confidence comes from protecting your downside while still betting on yourself."
TikTok Link 2026-02-14T17:50Z 2.3M followers, [----] engagements
"I went from $40000 in debt to millionaire by [--] and heres what most people get wrong about investing 👇 Most people arent avoiding the stock market because theyre lazy. Theyre overwhelmed scared of losing money and tired of feeling like everyone else understands something they dont. Youre told to just start investing while people throw around words like ETFs diversification and market cycles like its common knowledge so you freeze. Meanwhile time keeps passing inflation keeps moving and you feel like youre falling behind. After working with thousands of women I can tell you this isnt an"
TikTok Link 2026-02-15T16:04Z 2.3M followers, [----] engagements
"I make [--] figures a year without working by putting my money into investments that pay me out monthly. Two of my favorite investments for cash flow are REITs and MICs. REITs are real estate investment trusts and this is where you buy parts of a company that owns and operates real estate - and then shares their profits with you. Depending on your country to remain a REIT they need to distribute between 70-90% of their profits so that can mean great money for the shareholders. REITs are easier to start for beginners because you can get automatic diversification with REIT ETFs (Vanguard has some"
TikTok Link 2022-12-13T18:19Z 2.3M followers, 886.6K engagements
"In the finance world its known as Dr. Copper because it has a PhD in predicting the economy. And right now Shes getting loud. Copper prices just hit a 2-year high. The last time this happened before a major crash was in [----]. right before the market tanked in [----]. That doesnt mean were guaranteed to crash but it does mean smart investors are paying attention. Because copper moves when companies expect demand to surge or when theyre stockpiling before things get worse. Either way its a warning sign worth understanding. 👉 I break it all down inside my free How to Get Rich in a Recession"
TikTok Link 2025-07-09T16:16Z 2.3M followers, 270.3K engagements
"I used to think wealthy people were constantly trading stocks picking winners and making complicated bets. Thats actually how I lost money when I first started investing. What surprised me when I studied how wealthy people really invest is that its boring. Simple. Systematic. Theyre not guessing. Theyre not day trading. Theyre not trying to be smarter than the market. They build a structure that does the heavy lifting for them and then they leave it alone. If you look at how real wealth is built long term this pattern shows up again and again. Thats exactly what I break down in my free New"
TikTok Link 2026-01-11T17:45Z 2.3M followers, 27.8K engagements
"My take as a millionaire If investing feels confusing right now its not because markets are broken. Its because most people are reacting to headlines instead of understanding how money actually moves. I dont teach people to jump from tech to commodities to whatevers next. I teach them how to build portfolios that already work across cycles so they dont need to guess panic or constantly change direction. I went from debt in my twenties to financial independence in my thirties and have reviewed thousands of portfolios along the way. The biggest mistake I see isnt picking the wrong investment."
TikTok Link 2026-01-22T16:47Z 2.3M followers, 19.2K engagements
"OMG OF COURSE IT IS 😭😭 The average Canadian millennial thinks they need $2.1 MILLION to retire but the average lifetime earnings are only about $1.7 MILLION. So even if you saved every single dollar you ever made you STILL wouldnt have enough. Which means the problem isnt you. Its the strategy. You were never supposed to save your way to wealth. You were supposed to INVEST your way there. I went from $40K in debt to becoming a millionaire by [--] because I stopped playing the saving game and started making my money work harder than I did. Inside this video Im breaking down: ✨ why saving alone"
TikTok Link 2026-02-11T14:22Z 2.3M followers, [----] engagements
"oh THIS is why people never start investing 🤯👇 theyre waiting for the perfect moment that never feels safe enough. markets high = scary. markets low = even scarier. crashes dont feel like opportunity when youre living through them. they feel like chaos panic and headlines telling you everything is falling apart. think COVID. everyone says they wouldve bought in hindsight but in real time most people froze. wealthy investors dont wait for certainty. they build systems so they can keep investing no matter what the market is doing. I went from $40K in debt to millionaire by [--] and now generate"
TikTok Link 2026-02-11T16:28Z 2.3M followers, [----] engagements
"No one wakes up broke. They become broke slowly then all at once. And its not shocking when you understand the pattern. Most people dont lose money because of one dramatic moment. Its quiet decisions repeated over and over. Normalizing debt because everyone else has it. Swiping to relieve stress. Avoiding the numbers because they feel overwhelming. Trading future freedom for temporary relief until one day the math catches up. And then suddenly it looks like a crisis when really it was a slow leak no one taught them how to see. I know this because I went from $40000 in debt to becoming a"
TikTok Link 2026-02-15T18:42Z 2.3M followers, [----] engagements
"Today I'm going to teach you how to buy a stock. Investing isn't for the rich it's how you get rich and learning how to make money while you sleep is the only way to make sure you don't work until you die. First thing you're going to do is open an account with a brokerage - this is simply a company that gives you access to the stock market. Then you're going to deposit money into the account you can do this by linking your bank account and initiating a transfer. Don't make this mistake The account is not the investment so if your money is just sitting there in cash it's not growing. To buy"
TikTok Link 2023-09-13T18:16Z 2.3M followers, 8.1M engagements
"🌟 These are [--] investments that pay me out over [--] figures a year in passive income. 💸 What's passive income you ask It's money that works for me not the other way around. This income covers my family's expenses and is paving the way for my retirement in my 30s. Retirement isn't just about an age; it's about reaching a financial milestone where you don't have to work anymore. These investments Real Estate Investment Trusts (REITs) and Mortgage Investment Corporations (MICs) are my golden tickets. But that's not all I also own physical real estate and invest in the stock market. Why Because"
TikTok Link 2023-12-14T16:11Z 2.3M followers, 195.1K engagements
"Stay away from group RESPsthese are plans sold by private companies and unlike individual or family RESPs these plans come with a unique structure pooling resources for a "supposedly more conservative asset mix" and offering "loyalty bonuses." However a recent Quebec class-action lawsuit certified in [----] has thrown these plans into the spotlight. The lawsuit alleges that the upfront sales charge imposed by major providers violates provincial securities regulations and the Quebec civil code. These providers managing a staggering $15.7-billion in assets are facing scrutiny for their practices."
TikTok Link 2024-01-20T15:28Z 2.3M followers, 33.8K engagements
"Im giving you the actual investments Id choose not just vague advice. Hi Im Nicole Victoria aka the No Budget Babe. I went from $40000 in debt to millionaire at [--] and now I teach women how to create financial freedom without sacrificing the things they love. Ive helped hundreds of thousands of women through my free and paid programs and I know exactly what works. If you want to start building wealth while you sleep go grab my free trainings at www.nobudgetbabe.com/freebies or apply to work with me as your seven figure mentor. Ill show you how to save more without giving up what you love make"
TikTok Link 2025-09-01T16:28Z 2.3M followers, 163.5K engagements
"I share my portfolio at the end 👀 But you need to understand this first. Most investors have no idea they are quietly setting themselves up to make less money long term. This year almost all of the stock markets growth came from a handful of massive tech companies. Fidelity confirmed it. If you own the S&P [---] or QQQ you are probably holding the same companies more than once. Apple. Microsoft. NVIDIA. Amazon. It looks diversified. It is not. Even Vanguard is warning that large cap U.S. stocks are trading above fair value. Their forecast shows bonds returning around [--] to [--] percent annually"
TikTok Link 2026-01-27T17:00Z 2.3M followers, 10.3K engagements
"I share my portfolio at the end 👀 But you need to understand this first. Most investors have no idea they are quietly setting themselves up to make less money long term. This year almost all of the stock markets growth came from a handful of massive tech companies. Fidelity confirmed it. If you own the S&P [---] or QQQ you are probably holding the same companies more than once. Apple. Microsoft. NVIDIA. Amazon. It looks diversified. It is not. Even Vanguard is warning that large cap U.S. stocks are trading above fair value. Their forecast shows bonds returning around [--] to [--] percent annually"
TikTok Link 2026-01-30T17:00Z 2.3M followers, [----] engagements
"👇 Heres what you can do right now If market drops scare you this part is important. What most people dont realize is that market corrections are not the thing that destroy wealth. Theyre often the thing that creates it. The problem isnt the red day. The problem is not understanding what a red day actually means. When hundreds of billions leave the market it doesnt mean everything is broken. It usually means expectations are being reset and prices are adjusting. Hi Im Nicole Victoria. I went from $40000 in debt to building an eight figure net worth by learning how markets actually work and by"
TikTok Link 2026-01-30T18:51Z 2.3M followers, 85.9K engagements
"👇 Heres what actually matters This isnt about chasing a random ETF. Its about understanding why money moves the way it does. When you understand market rotation you stop panicking at headlines and stop feeling late or behind. This is how experienced investors think. They dont ask whats hot. They ask where money is flowing right now and why. Im Nicole Victoria. I went from forty thousand dollars in debt to multi millionaire by learning how the market actually works and building a strategy instead of guessing. If you want to invest with clarity instead of confusion start with my free trainings"
TikTok Link 2026-02-03T23:56Z 2.3M followers, 14.1K engagements
"How to get ready If this is the start of the next wealth transfer you want to be positioned not panicking. And if it turns out this isnt the one that doesnt mean another isnt coming. Market corrections and crashes happen regularly. On average every couple of years. Right now theres a lot of shakiness under the surface. Investors are getting nervous. Volatility is picking up. Hype driven parts of the market are being questioned. This is often how bigger shifts begin. And even in the best case scenario where this doesnt turn into a full crash getting your finances together is never a waste."
TikTok Link 2026-02-04T17:05Z 2.3M followers, 18.9K engagements
"Heres what you need to know 👇 The economy feels weird right now and thats because it is. Hiring data is starting to slow payroll expectations are coming in lower than forecasted and next weeks job numbers could tell us whether were heading toward a soft landing or something more serious. Heres what most people miss: Markets dont wait for recessions to be confirmed. They move when incentives change. Companies are under pressure to keep profits growing because shareholders expect constant improvement. When sales slow or uncertainty rises executives have two options: increase revenue or cut"
TikTok Link 2026-02-06T17:17Z 2.3M followers, [----] engagements
"This is how people stay fake rich 👇 Rich people are not using their hard earned income to LOOK rich. They build assets first and let their investments pay for the lifestyle. I know this because I did the opposite of what most people are doing right now. I went from $40000 in debt to millionaire by [--] by focusing on investing compounding and building assets instead of financing status. If you feel like you make good money but still feel financially stuck stressed or like you have nothing to show for it its usually not an income problem. Its a strategy problem. I teach women how to stop"
TikTok Link 2026-02-09T19:01Z 2.3M followers, [----] engagements
"oh THIS is why people never start investing 🤯👇 theyre waiting for the perfect moment that never feels safe enough. markets high = scary. markets low = even scarier. crashes dont feel like opportunity when youre living through them. they feel like chaos panic and headlines telling you everything is falling apart. think COVID. everyone says they wouldve bought in hindsight but in real time most people froze. wealthy investors dont wait for certainty. they build systems so they can keep investing no matter what the market is doing. I went from $40K in debt to millionaire by [--] and now generate"
TikTok Link 2026-02-11T16:10Z 2.3M followers, [----] engagements
"Avoidance isnt laziness. Its overwhelm. You dont avoid checking your bank account because youre irresponsible. You avoid it because every time you look it reminds you that you dont feel in control yet. When you dont have a clear system your brain chooses distance over discomfort. So you stop looking. You stop planning. You tell yourself youll deal with it later. I know this because I lived there. I went from $40K in debt to millionaire at [--] and the biggest shift wasnt discipline or restriction. It was building simple systems that made my money feel predictable and safe instead of"
TikTok Link 2026-02-12T14:18Z 2.3M followers, 15.7K engagements
"Everyone keeps saying inflation is cooling like that automatically means relief is coming. The reality is more nuanced than that. Cooling inflation doesnt mean prices go back to what they used to be. It just means theyre rising more slowly while were still living inside a permanently higher cost environment. Thats why so many people feel disconnected from the headlines right now. And before someone says so we just need prices to fall broad deflation isnt the financial reset people imagine. Historically it shows up alongside weaker hiring fewer raises slower growth and more uncertainty. Lower"
TikTok Link 2026-02-13T16:08Z 2.3M followers, [----] engagements
"Money doesnt come from ONE place Most people think rich people just earn more. They dont. They build multiple streams that pay them in different ways at different times for different reasons. Some streams pay now. Some grow quietly in the background. Some create freedom long before you realize whats happening. And this is where most people get stuck because no one actually explains how to start building these in real life without overwhelm. You dont need [--] businesses. You dont need to work harder. You need a strategy that turns your income into systems that keep paying you. I went from $40K"
TikTok Link 2026-02-14T15:56Z 2.3M followers, [----] engagements
"I make six figures a year from real estate without owning buildings. Most people think real estate investing means saving a massive down payment dealing with tenants or taking on huge mortgages. Thats what keeps people stuck watching from the sidelines while wealthy investors quietly use strategies that give them exposure to real estate income without becoming landlords. How to buy an apartment building for $1 isnt clickbait. Its a mindset shift. Because the real secret isnt owning the building. Its owning the income stream. Instead of trying to buy one property and hoping it works you can"
TikTok Link 2026-02-16T15:03Z 2.3M followers, [----] engagements
"what social media calls hot girl s*** is mostly just consumerism in a cute outfit. real hot girl s*** having an emergency fund so youre not one bad month away from panic. owning assets that pay you while youre at brunch. watching your net worth grow while everyone else is chasing the next trend. being financially independent so no one gets to control your choices. because buying a new bag isnt power. having options is. I went from $40000 in debt to millionaire by [--] by focusing on assets income and strategy instead of aesthetics. and the women who actually feel confident about money arent the"
TikTok Link 2026-02-16T16:44Z 2.3M followers, [----] engagements
"I cant believe its this easy 😭😭👇 I went from a few thousand dollars to six figures to a seven-figure net worth by [--] and honestly one of the biggest differences wasnt picking the perfect stocks. It was how I set up my investing system from the beginning. Right now people are nervous about the market. Youre seeing AI fears shifting sentiment and the Fear & Greed Index moving into fear territory. Most people think that means wait. Experienced investors think differently. They focus on structure positioning and making sure their accounts are set up so they can take advantage of opportunities"
TikTok Link 2026-02-16T18:24Z 2.3M followers, [----] engagements
"I cant believe how many people just accept rent increases without realizing they have options 😭 Most people think a rent hike is just something that happens to them. But the women I work with learn how to build financial positioning so they have leverage choices and a plan no matter what the market or a landlord does. I went from $40000 in debt to becoming a millionaire by [--] by learning how to protect my downside understand the system and make strategic money moves instead of emotional ones. And this is exactly what I teach inside my world. Because real financial security isnt just about"
TikTok Link 2026-02-17T02:49Z 2.3M followers, [----] engagements
"This is how you pay less interest and get out of debt faster. I know no one teaches this stuff and thats exactly why people stay stuck paying 19% 24% even 30% interest thinking its their fault or that theyre bad with money. Youre not. You were just never shown the strategy. For context if youre new here hi Im Nicole. I went from $40000 in debt to becoming a millionaire by [--] without giving up my life or cutting out everything I enjoy. I teach real financial strategy not shame not hustle culture and not vague advice. Ive been featured in CBC Fox Business Insider and The Financial Times for my"
TikTok Link 2025-12-29T16:00Z 2.3M followers, [----] engagements
"This might make people uncomfortable but it is true Who you marry will have a bigger impact on your financial future than how much you make Two people can earn the same income and end up in completely different places based on Risk tolerance Debt habits Emotional regulation around money Long term thinking If you want wealth that feels safe and not fragile you have to learn how to build it from the inside out With or without a partner I break this down in my free New Year Rich Me training It is where you learn how wealthy people actually think about money and decisions Link in bio"
TikTok Link 2026-01-01T17:30Z 2.3M followers, 11.4K engagements
"We are not raw dogging the economy in [----]. If the market drops that is a wealth transfer. If it does not congrats you still got your financial life together. There is literally no losing scenario here. Being prepared is not panic. It is not fear. It is not manifesting bad vibes. It is just not being sloppy with your money. I am Nicole Victoria. I went from $40000 in debt to becoming a millionaire by [--] by doing the opposite of the advice most people are given. I have been featured in CBC Fox Business Insider and The Financial Times and I have helped thousands of women stop guessing stop"
TikTok Link 2026-01-08T16:28Z 2.3M followers, 25.9K engagements
"If you want to learn how to invest in a way that actually works when markets feel uncertain this is exactly what I teach. Heres the nuance that matters. This is not a prediction. I am not saying a sell America moment is guaranteed and I am not saying anyone should panic or pull their money out of the market. What I am saying is that markets react when confidence in how money is governed starts to get questioned. They do not wait for something bad to officially happen. They react when the rules feel less clear. That is how risk works. This is also why I do not teach people to chase hot stocks"
TikTok Link 2026-01-12T16:56Z 2.3M followers, 20.2K engagements
"Most people get this wrong. They think getting rich in the stock market is about predicting rate cuts timing the Fed or chasing whatevers popular right now. Its not. Its about understanding how the stock market actually works so you can make smart long term decisions no matter what the economy is doing. If youre new here hi 👋🏼 Im Nicole Victoria. I went from $40000 in debt to becoming a self made millionaire by [--] by learning how wealthy people invest and building systems that work over time. Now I teach women how to do the same. Ive helped thousands of women build real investment"
TikTok Link 2026-01-13T16:40Z 2.3M followers, [----] engagements
"Is this the big crash everyones been worrying about Every time the market goes red people jump straight to worst-case scenarios. And I get it. When you dont understand whats actually driving the move it feels like something is seriously wrong. But most market drops arent about disaster. Theyre about uncertainty getting repriced. Hi Im Nicole Victoria. I went from $40000 in debt to becoming a millionaire by [--] by learning how money actually works not by reacting emotionally to headlines. Since then Ive helped thousands of women stop panicking get confident with investing and build real wealth"
TikTok Link 2026-01-20T16:16Z 2.3M followers, 19.6K engagements
"The reason debt feels endless Its not because youre bad with money or lacking discipline. Its because most people are reacting to their finances instead of following a plan. I didnt get out of $40000 of debt by cutting out small joys or trying to be perfect. I got out by learning how money actually works choosing a strategy that made sense for me and then sticking to it long enough to see results. Thats why I dont believe theres one magic method that works for everyone. The best plan is the one you actually follow. My vote is still avalanche because it saves the most money but any plan beats"
TikTok Link 2026-01-27T14:23Z 2.3M followers, [----] engagements
"Most people do not struggle with money because they are lazy or irresponsible. They struggle because they were taught the wrong rules. If you want to build real wealth you have to learn how wealthy people actually think and move with money. Not the advice that sounds responsible but keeps you stuck. I did not grow up rich. I started with $40000 in debt and no insider access. What changed everything was studying what happens behind closed doors. How wealthy people structure their income taxes investments and decisions during uncertain markets. While most people are budgeting harder and pulling"
TikTok Link 2026-01-28T14:00Z 2.3M followers, 22.8K engagements
"Most people stay broke not because theyre not working hard enough but because they dont even realize theyre trapped in a cycle. 💰 Selling tomorrows dollars to pay for yesterdays spending. 💰 Keeping all their money in a savings account while inflation eats it away. 💰 Thinking the only way to make more is to work harderwhile the rich make more by investing. I went from $40K in debt to a millionaire at [--] because I learned what the rich actually do with money. And once you see it you cant unsee it. Heres how to break out of Broke-Tok and actually start building wealth: [--] Change what you"
TikTok Link 2026-01-28T08:00Z 2.3M followers, 15K engagements
"Same strategy Ive used for years. The numbers just keep getting bigger 💅 Hi Im Nicole Victoria. I went from $40000 in debt to an eight-figure net worth by actually understanding how money works instead of guessing or gambling in the stock market. Ive been featured in CBC Fox Business Insider and The Financial Times and I teach women how to build real wealth through investing without day trading panic selling or trying to pick the perfect stock. This is what rich people do differently. They understand how money is made through capital gains and income. They buy assets when theyre on sale."
TikTok Link 2026-01-27T16:11Z 2.3M followers, [----] engagements
"If youre not here yet I can help you get there. Because most people were never taught how to set up their money the wealthy way. Hi Im Nicole Victoria. I went from forty thousand dollars in debt to millionaire by thirty and now I teach women how to finally get ahead with money without budgeting or restriction. Ive been featured in CBC Fox Business Insider and The Financial Times. Ive helped thousands of women build wealth pay off debt increase their income and finally feel in control. If you want to learn the strategy that actually works start with my free training. Link in bio"
TikTok Link 2026-02-03T19:00Z 2.3M followers, [----] engagements
"This is the part nobody tells you Its not about the $40 sweater or the $20 takeout order. Its about what that money could have grown into if you invested it instead of spending it. It's called OPPORTUNITY COST. aka if you are putting it in one place what is the cost of a missed opportunity you could have had by putting it somewhere else The key here is figuring out which option truly brings you the most long-term happiness. Spending money isn't the enemy but spending out of alignment with our values and our goals is. we want to put our money in places where we will extract the most happiness"
TikTok Link 2026-02-06T16:00Z 2.3M followers, 19.4K engagements
"Babe this is the trap. You work your life away to pay for a house you barely see a car you only drive to your job and a couple days off you are too exhausted to enjoy. You save scraps that shrink with inflation then treat yourself so you can pretend it is freedom. That is not wealth. That is a hamster wheel dressed up as a lifestyle and the system needs you to keep running in circles. The rich do not play this game. They own assets. They buy freedom. They make money while they sleep. If you are ready to get off the wheel and finally learn the game the rich are playing start with my free"
TikTok Link 2026-02-07T18:00Z 2.3M followers, [----] engagements
"Join my free masterclass to start investing.even if you feel clueless or late to the game. I went from $40k in debt to a millionaire by [--]. Now Im teaching you the exact steps that changed everything. Click the link in my bio to start building real wealth TODAY 💕💕"
TikTok Link 2026-02-07T20:30Z 2.3M followers, [----] engagements
"Passive income isnt a vibe. Its a f*cking strategy. You dont manifest money that works while you sleepyou build it. You want freedom Cool. Then stop scrolling and start acting like someone who wants it. You think the wealthy are just lucky No they engineered their income to never stop. You want what they have Learn what they do. I teach it for free. But you have to show up. 👉 Watch my free How to Get Rich in a Recession Masterclass. Link in bio"
TikTok Link 2026-02-08T16:00Z 2.3M followers, [----] engagements
"I teach you how 💸 👀"
TikTok Link 2022-04-14T00:46Z 2.3M followers, 29.9K engagements
"How to check your credit score for FREE Checking your credit score is a boring but super important part of being good with money and thats because your credit score will directly impact how much money you pay for things like your mortgage car loans and sometimes even your car insurance. People with a higher credit score will qualify for lower rates and will pay less for the exact same thing. Having good credit is a super easy way to save money without changing your lifestyle. In Canada you can check your credit report for free by contacting one of the two major credit bureaus: Equifax and"
TikTok Link 2023-09-25T15:41Z 2.3M followers, 32.4K engagements
"Im teaching you how to grow your money instead of letting it fly out of your life. If youve gotten an inheritance maybe a big bonus at work or even won the lottery - basically coming into a larger lump sum of money and you want to make sure youre smart with it this video is for you. In part one I talked about your Financial Set Point and how that needs to be the first step you take to make sure you dont lose money. Now I know everyone wants to skip right ahead to investing because its sexy I get it - who doesnt want to make money while they sleep The thing is investing is NOT the first step"
TikTok Link 2023-12-11T18:41Z 2.3M followers, 16.1K engagements
"The best way to get rich is to invest. This is because you make more money without working harder. When you invest in real estate you use leverage (aka loans) which can help you make more with less. Real estate is awesome but it requires more of your time/effort than stocks will. When you invest in stocks it's truly passive income. Buying a stock makes you a part owner in companies that can share their profits with you (called dividends) and you make money when they do well. The easiest way to start is by buying things like asset allocation funds target date index funds or index funds/ETFs."
TikTok Link 2024-05-31T00:20Z 2.3M followers, 49.5K engagements
"Want to know how the rich build wealth faster They use leverage. ✨ They leverage systems to automate their success. ✨ They leverage people by delegating tasks so they can focus on earning more. ✨ They leverage money to make their money work for them through investing. ✨ They leverage mentors to skip the trial and error and fast-track their progress. Leverage isnt just for millionairesits for YOU too babe. Whether it's automating savings negotiating a raise or learning from someone who's already done it you can start building wealth faster TODAY. In Part [--] Im showing you how to pull all these"
TikTok Link 2025-01-12T21:29Z 2.3M followers, [----] engagements
"Most people stay broke not because theyre not working hard enough but because they dont even realize theyre trapped in a cycle. 💰 Selling tomorrows dollars to pay for yesterdays spending. 💰 Keeping all their money in a savings account while inflation eats it away. 💰 Thinking the only way to make more is to work harderwhile the rich make more by investing. I went from $40K in debt to a millionaire at [--] because I learned what the rich actually do with money. And once you see it you cant unsee it. Heres how to break out of Broke-Tok and actually start building wealth: [--] Change what you"
TikTok Link 2025-03-31T16:14Z 2.3M followers, 1.8M engagements
"You ever wonder what a multi-millionaire is actually invested in Im breaking down my portfolio in my latest series. What I hold. Why I hold it. And how I use it to generate $150K+ a year in passive income without touching my stocks. If you want the blueprint Im handing it overno gatekeeping. Watch the series + grab the free trainings at www.nobudgetbabe.com/freebies 💅 Im [--] with a $10M net worth. $8M+ is invested. $150K+ a year in passive incomewithout selling a single stock. No trust fund. No rich husband. No magic windfall. Just smart money moves that actually work. I break it all down in"
TikTok Link 2025-07-12T15:54Z 2.3M followers, 161.1K engagements
"There is SO much bad investing advice on this app.and even worse Good advice getting twisted into straight-up garbage. Just buy the S&P [---]. Go all-in on international. No The S&P [---] only covers the biggest U.S. companies. youre missing small-cap mid-cap and international entirely. And markets move in cycles. Different areas lead at different times. If your whole strategy is based on whats trending on TikTok youre not investing. Youre reacting. I teach you how to build a portfolio that actually grows no matter what happens. 🎓 Free masterclass for beginners in my bio or apply to work with me"
TikTok Link 2025-07-21T18:11Z 2.3M followers, 17.4K engagements
"Everyones saying the economy is strong because unemployment is low and job growth looks stable But the numbers have been quietly revised Long-term unemployment is rising High earners are falling behind And the Fed is preparing rate cuts not because things are good but because things are breaking Youre not supposed to see this part But Im showing you anyway If you want to learn how to protect yourself and build real wealth while the headlines lie Take my free masterclass How to Get Rich in a Recession Link in bio Everyone says the economys fine. Im going to show you why thats a lie. Everyone"
TikTok Link 2025-08-05T17:23Z 2.3M followers, 80.9K engagements
"Its wild because so many of us are still trying to build a life using rules that were written for an economy that no longer exists. And then we wonder why we feel stuck. Why everything feels harder than it should be. Why were doing everything right and nothing is adding up. But heres the truth most people avoid. One plus one doesnt equal two anymore. The inputs changed. The math changed. The cost of living changed. The paths our parents walked arent open to us in the same way. And that doesnt mean youre failing. It means youre using an old equation in a new world. The moment you let that land"
TikTok Link 2025-11-27T14:47Z 2.3M followers, [----] engagements
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing