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# ![@nobudgetbabe Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::6827842654056416261.png) @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 XX and time value of money. Her focus is on educating people on smart financial moves to achieve financial safety and security.

### Engagements: XXXXXXX [#](/creator/tiktok::6827842654056416261/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::6827842654056416261/c:line/m:interactions.svg)

- X Week XXXXXXXXX +238%
- X Month XXXXXXXXX +454%
- X Months XXXXXXXXXX -XX%
- X Year XXXXXXXXXX +100%

### Mentions: XX [#](/creator/tiktok::6827842654056416261/posts_active)
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- X Week XX -XX%
- X Month XXX -XX%
- X Months XXX -XXXX%
- X Year XXX +270%

### Followers: XXXXXX [#](/creator/tiktok::6827842654056416261/followers)
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- X Week XXXXXXXXX -XXXX%
- X Month XXXXXXXXX +0.04%
- X Months XXXXXXXXX +3.70%
- X Year XXXXXXXXX +14%

### CreatorRank: XXXXXXX [#](/creator/tiktok::6827842654056416261/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::6827842654056416261/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  XXXXX% [stocks](/list/stocks)  XXXXX% [technology brands](/list/technology-brands)  XXXX% [fashion brands](/list/fashion-brands)  XXXX% [social networks](/list/social-networks)  XXXX% [countries](/list/countries)  XXXX%

**Social topic influence**
[money](/topic/money) #2711, [investment](/topic/investment) #1027, [if you](/topic/if-you) 11.11%, [stocks](/topic/stocks) #1140, [debt](/topic/debt) #432, [reit](/topic/reit) #12, [future](/topic/future) 3.7%, [finance](/topic/finance) #2505, [dividend](/topic/dividend) #136, [to the](/topic/to-the) XXX%

**Top accounts mentioned or mentioned by**
[@plugggofloveee](/creator/undefined) [@brooklynpoole](/creator/undefined) [@voltaire11](/creator/undefined) [@k9](/creator/undefined) [@azzi](/creator/undefined) [@tiffanycianci](/creator/undefined)

**Top assets mentioned**
[SPDR S&P XXX ETF Trust (SPY)](/topic/$spy) [Shopify Inc (SHOP)](/topic/$shop) [CVS Health Corp (CVS)](/topic/cvs) [Charles Schwab Corporation (SCHW)](/topic/charles-schwab) [Robinhood Markets, Inc. (HOOD)](/topic/$hood) [Goldman Sachs (GS)](/topic/goldman-sachs) [JPMorgan Chase (JPM)](/topic/jpmorgan-chase)
### Top Social Posts
Top posts by engagements in the last XX hours

"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 XX. 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


"Most people think investing in the S&P XXX is a complete plan. Its not. Yes the S&P XXX is great for long-term growth but its only one piece of a portfolio. Its made up of XXX 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, 49.1K engagements


"But only if you actually understand how money works. Most people see headlines about recessions and crashes and immediately freeze. But the people who build wealth during downturns are the ones who understand what theyre looking at. You dont get rich by knowing everything. You get rich by knowing the right things. This morning I got a comment from someone who has been following me since last year. Last year they were at negative six thousand dollars. Today they have eleven thousand dollars invested. One year. One shift. One decision to learn the basics no one teaches. And this isnt rare. I"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7577099452490566930)  2025-11-26T18:15Z 2.3M followers, 15.1K 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 XX. And Im not keeping it a secret. Ive got"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7525556961178340614)  2025-07-10T20:44Z 2.3M followers, 96.7K 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 XX 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, 158.4K 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 XXX. This is where people get it wrong because the S&P XXX 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, 475.7K engagements


"Just because prices are going up doesnt mean the economy is healthy. When investors believe companies will make more money in the future they start buying which pushes prices higher. But sometimes those prices rise faster than the actual profits. Thats why the stock market isnt the same thing as the economy. A companys share price is based on expectations not guarantees. Its like a cupcake shop that still sells the same $XXX of cupcakes a day but its stock doubles overnight because everyone thinks its about to go viral. Thats called speculation not growth. Youll hear investors talk about"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7558157656263855378)  2025-10-06T17:11Z 2.3M followers, 20K engagements


"Your next steps Youve probably seen the headlines: the markets about to crash recession incoming hold onto your cash. And if youve ever felt that pit in your stomach thinking great so what does that mean for me youre not alone. Heres the truth. Most people were never taught how money actually works. They just hear the noise feel the fear and do what everyone else does wait worry and watch opportunities pass them by. But the wealthy They dont wait. They understand that every crash is just a reset a chance to build wealth while everyone else panics. I learned that the hard way. I went from"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7568909961854471432)  2025-11-04T16:36Z 2.3M followers, 281.4K engagements


"Most people are terrified of a stock market crash. But wealthy women think about something way more important. Protection. Not by timing the market. Not by panicking. But by having a plan that keeps their money safe even when the headlines are scary. Heres exactly how I protect my own portfolio as someone who is financially free in my 30s and living off my investments right now. I use a X year GIC ladder so I never have to sell investments at a loss. I diversify my income so the stock market is never my only source of cash flow. I stay flexible so I can adjust my spending in a down year"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7573747061607222546)  2025-11-17T17:26Z 2.3M followers, 18.8K engagements


"And when I say wealthy I dont just mean money. I mean time. Peace. Freedom. The ability to live your life without constant stress about tenants repairs or surprise bills. Because real wealth isnt just how much you make. Its how much of your life you get back. Yes I still own a rental property and Im glad I got into real estate in my early twenties. It helped me grow quickly. I had the knowledge. I was a real estate agent. And I could tolerate the work and the risk because I was young and hungry and willing to hustle. But as I grew my goals changed. I always thought Id build a huge real estate"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7578550449150774535)  2025-11-30T16:06Z 2.3M followers, 5727 engagements


"📉 Its not just small businesses struggling the cracks are showing everywhere. Stripe the payment processor behind Shopify Amazon and millions of online businesses is now asking sellers to prove they have enough cash to survive. At first that might sound like an indie brand problem. But its not. Were seeing the same stress across major retailers: 🛍 Sephoras sales are down during their Spring Savings Event 🛒 Target and Macys are lowering earnings forecasts 🍽 Greggs and other UK food chains are warning on profits 👚 American Eagle and J. Jill are cutting guidance 📦 Even General Mills is"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7522479241821457720)  2025-07-02T13:41Z 2.3M followers, 98.8K 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 2007. right before the market tanked in 2008. 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, 268.9K engagements


"back2back steals 🤯@k9 @Azzi Fudd #uconnwomensbasketball #uconnhuskies #uconn"  
[TikTok Link](https://www.tiktok.com/@uconnwbb/video/7570857756349975822)  2025-11-09T22:35Z 303.1K followers, 124.7K engagements


"How much PURPLE can I find at CVS 💜 #purplegirl #purple #cvs #cvsfinds #ilovepurple"  
[TikTok Link](https://www.tiktok.com/@megan_bellve/video/7575692278983888141)  2025-11-22T23:15Z 66.9K followers, 252.9K engagements


"Most people only look at the stock market when they want to understand what is happening in the economy. Wealthy people look at the job market. Because the job market cracks long before the headlines admit anything is wrong. And right now we are watching a pattern that almost always shows up before a major shift. Unemployment is ticking up. Jobless claims are rising. Some of the government data we usually rely on is delayed or missing because of the shutdown. And recent reports were quietly revised downward which means things were weaker months before anyone admitted it. Combine that with AI"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7576350660015164680)  2025-11-24T17:50Z 2.3M followers, 8015 engagements


"Diversification isnt boring. Its literally the hedge against thinking youre smarter than the market. Warren Buffett wasnt wrong when he said that. The top X wont be the top X forever. They never are. Leaders rotate. Sectors cool off. Bubbles pop. And concentration only feels safe when times are good. If youre putting your entire future into a handful of companies because someone on TikTok said theyre the ones making all the money right now please understand that investing isnt about whats hot today. Its about longevity. Risk management. Protecting your future self. And yes the S&P XXX is top"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7579263075853929746)  2025-12-02T14:11Z 2.3M followers, 4.5M engagements


"I make X 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, 885.4K 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 X% a year and has made me a part owner in XX 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, 270.1K 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 X investments that pay me out over X 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, 193K 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 🔥"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7320303492235562246)  2024-01-04T17:56Z 2.3M followers, 5.8M engagements


"👀 sharing some of the income streams that pay me out over X figures a year passively 💸 Keep learning with our free trainings Find them on our website under FREEBIES 🤍"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7340761176806051078)  2024-02-28T21:02Z 2.3M followers, 1.4M engagements


"Hot girls don't gatekeep here are the X different types of investments I have as a financially responsible XX year old who plans on retiring early. X. 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, 674.3K engagements


"A lot of people believe investing is only for the rich. FALSE It's the way to wealth regardless of your starting point. Here are some other investing myths that are keeping people from making more money without working harder: X. Investing is risky. WRONG Not investing is the real risk leading to financial insecurity. X. You need a lot of money to start. NOPE Start small and watch your wealth grow. X. You have to be an expert to invest. NOT TRUE Plenty of resources and platforms make investing accessible to everyone. X. Investing is only for older people. FALSE The earlier you start the more"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7358892701347056901)  2024-04-17T17:42Z 2.3M followers, 615.7K 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 XXXXXXXX% 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, 101.8K 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 🫶"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7377843050912992518)  2024-06-07T19:19Z 2.3M followers, 154K 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 XXX. Go all-in on international. No The S&P XXX 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


"REITs need to pay out XX% 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 XX% 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"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7529889159595511045)  2025-07-22T12:55Z 2.3M followers, 13.8K engagements


".Because that is when you are most profitable. They drain you at your X to X 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


"Everyone is scared of the stock market right now because headlines are screaming about crashes and 1929 comparisons. But here is the truth. The stock market has only ever gone up in the long run. The people who lost everything in 2008 didnt lose because of the market. They lost because they panicked and sold at the bottom and never got back in. The invisible risk you should be scared of isnt the market. Its you. Your fear. Your emotions. Your lack of a plan. When you build a diversified portfolio and actually stay invested you dont lose money when markets crash. You only lose money when you"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7553694552800972039)  2025-09-24T16:32Z 2.3M followers, 278.2K engagements


"You can only see the best time to invest in retrospect. Thats why time in the market always beats trying to time it. Now that doesnt mean you ignore opportunities when they come up. If I see a market correction or a drop of XX percent or more and I have extra cash available Ill absolutely put more money in. Thats just being strategic. But the key word is available. The people who get wiped out arent victims of the market. Theyre victims of their own decisions. They chased hype invested money they needed soon or panicked and sold at the bottom. When someone says I knew someone who lost"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7563349480909704466)  2025-10-20T16:58Z 2.3M followers, 71.6K engagements


"She Saved $2500 In Just One MonthAnd Didnt Give Up Her Coffees ☕💸 Brook is proof that sometimes the biggest money wins come from the simplest shiftsand her first month in the program has been nothing short of jaw-dropping. 🙌🔥 ✅ Before the program: Brook didnt have a system for tracking her money. With no real plan spending added up fast and her familys future goals always felt just out of reach. ✅ The game-changer: She started tracking her spendingnothing fancy just awareness. And with that she built a family-friendly budget that keeps the things she loves (like coffee dates and fun with"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7564086936814570760)  2025-10-22T16:40Z 2.3M followers, 3372 engagements


"Everyones talking about rate cuts and stock market crash predictions again but before you freak out heres the truth Rate cuts happen because something in the economy is slowing down not because everythings amazing and yeah that can cause a short term dip but thats not the crash everyones warning about Those so-called predictions that a crash is coming between 2026 and 2028 arent actually predictions theyre just based on history because on average the market corrects every two years So instead of panicking or trying to time it focus on having a plan that works through every part of the cycle"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7566302746136120594)  2025-10-28T15:59Z 2.3M followers, 19.5K engagements


"Im a self-made millionaire and Ive seen this pattern before. Every time the headlines say the economys booming the rich quietly move their money. Theyre not panicking. Theyre preparing. And if you dont understand what theyre doing right now youll miss the biggest opportunity of the decade. Start learning how to move like the rich inside my free investing masterclass. Link in bio"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7567459363233844498)  2025-10-31T18:47Z 2.3M followers, 20.9K engagements


"Here are the streams that pay me six figures a year: 💸 Dividends from my high dividend ETFs. These give me consistent cash flow every quarter and keep paying even when the market feels uncertain. 🏠 Rental income from my real estate investment. Its steady reliable and increases over time as rents rise. 🏦 Private and public Mortgage Investment Corporations. These pay me regular interest income around eight percent annually and add an extra layer of diversification to my portfolio. 📈 Capital gains from my long term growth ETFs. This is the wealth that compounds quietly in the background"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7567767209263516946)  2025-11-01T14:41Z 2.3M followers, 63.6K engagements


"Crashes dont destroy money. They redistribute it from the emotional to the educated. The wealthy already know this. Thats why they dont panic they prepare. I posted a video about this the other day that goes into more detail. You can also take one of my free trainings or apply to work with me as your seven figure mentor to learn how to do the same. Most people were never taught how to make money work for them. They were taught to save to wait to play it safe. But waiting doesnt build wealth. Understanding does. If youve ever felt like youre doing everything right and still not getting ahead"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7571672954828770578)  2025-11-12T03:18Z 2.3M followers, 11.7K engagements


"5 moves to make the most money over the next decade 👇 Goldman Sachs just predicted the S&P XXX will return only XXX% a year over the next XX 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: X Lowering fees so they stop losing X% a year to overpriced advisors. 2"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7571875855450885383)  2025-11-12T16:25Z 2.3M followers, 126K 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 2.3M followers, 283.7K engagements


"Even though the market pulled back hard this week earnings yesterday were strong and were already seeing signs of a rebound. Could it go back down again Yes. Markets move in waves. A correction happens on average every X years. This is normal. For this to turn into a true crash you usually need something bigger. Real crashes almost always need a major shock or Black Swan catalyst on top of weakness. Think back to early April 2025. The market fell so fast over two days that the Nasdaq slipped into bear-market territory and the S&P XXX even tested that threshold intraday. That was a real shock"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7574845117031304455)  2025-11-20T16:27Z 2.3M followers, 17.5K engagements


"AI isnt creating a new divide. Its exposing one that already existed. Because these traps only work when you were never taught to question them. Not because youre careless. But because most of us were raised to trust institutions that profit from our confusion. Banks dealerships insurance agents timeshare reps advisors they all know one thing. If they can get you to trust them more than you trust your own judgment they win. Every time. Thats why the wealthy dont fall for these traps. They ask different questions. They think differently. They dont assume something is in their best interest"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7575948981365132551)  2025-11-23T15:51Z 2.3M followers, 34.3K 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, 5907 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 XX 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, 36.9K engagements


"Whats happening in Japan right now is a reminder that the global money system is a lot more fragile than most people realize. When a country that has spent almost two decades keeping interest rates near zero starts to feel pressure it shows how dependent the world has become on easy money and cheap borrowing. The average person only sees the headlines. Wealthy investors pay attention to the quiet shifts beneath the surface. Things like rising yields capital moving across borders bond demand changing and governments suddenly paying more to borrow. These are the signals that show you where the"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7579300396959649042)  2025-12-02T16:36Z 2.3M followers, 17.8K engagements


"I became a millionaire in my twenties and if there is one thing I know for sure it is this. Most people are losing because they think way too small and way too short term. Women tell me ten years is too long to build financial freedom while they are already on track to work for forty five. Babe that is not a mindset. That is a trap. I am inside thousands of womens finances. I see what actually keeps people stuck. It is not lack of income. It is not lack of discipline. It is not inflation. It is short term thinking. It is treating money like a moment instead of a long game. Wealthy women think"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7580092266941828370)  2025-12-04T19:49Z 2.3M followers, 8568 engagements


""This is 2008 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, 308K engagements


"Stay until the end and Ill show you how to use this to build wealth instead of fear. Jamie Dimon the CEO of JPMorgan Chase just compared the financial markets to a kitchen full of cockroaches. When one shows up there are usually a hundred more hiding beneath the surface. Most people panic when they hear that. The rich dont. They prepare. Because real wealth isnt built by avoiding risk. Its built by understanding it managing it and staying invested even when things feel uncertain. Thats exactly how I went from $40000 in debt to millionaire by XX. I learned how to make my money work for me no"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7562612697116724487)  2025-10-18T17:19Z 2.3M followers, 13.3K 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 XXX 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, 99.3K engagements


"The S&P just came this close to breaking a XXX day streak we havent seen since 2007 and beneath the surface more than half of companies are already trending down To most people that sounds scary To people who understand money it sounds like opportunity And thats the difference Wealth isnt built by luck or timing Its built by knowing what to do when everyone else freezes Thats how I went from broke and buried in debt to building a multimillion dollar portfolio by XX I learned to think like the rich and now I teach other women how to do the same If youre done guessing and ready to understand"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7570378771283512583)  2025-11-08T15:36Z 2.3M followers, 142.8K engagements


"What the NVIDIA CEO just did should make you pay attention. Jensen Huang just sold millions of dollars worth of his NVIDIA stock. And he is not the only one. Tech CEOs across the board are cashing out right now not because they are scared of tech but because this is what the ultra rich do when the market gets hot. They take profits. They lock in gains while everyone else is still chasing hype. They rotate money out of highly volatile positions and into assets that generate real income. They protect their wealth instead of hoping the trend keeps going. And while everyone else is guessing the"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7574181294825868562)  2025-11-18T21:31Z 2.3M followers, 22.4K engagements


"I see behind the curtain in thousands of womens finances and the patterns are always the same. You think your situation is unique but its not. Women making great money who still feel behind. High earners relying on savings accounts as a strategy. Following random stock picks online. Avoiding investing because it feels scary. Doing everything except the things that actually build wealth. Im a millionaire because I learned how to stop doing what keeps most women stuck. And the truth is once you understand the right moves your money gets so much easier. If youre done guessing and you want to"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7580047857093332232)  2025-12-04T16:57Z 2.3M followers, 2770 engagements


"Everyone wants to get rich in a crash but almost no one is actually prepared for it. Hi Im Nicole Victoria. I went from $40000 in debt to millionaire by XX. Ive been featured in CBC Fox Business Insider and The Financial Times. I teach women how the rich really build wealth so youre not stuck guessing or hoping the next crash magically makes you rich. If you want to learn how to build real wealth start with my free trainings on my website or apply to work with me directly"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7580523040862162183)  2025-12-05T23:41Z 2.3M followers, 3863 engagements


"I became a millionaire at XX and the reason this strategy works so well is because it removes all the guessing. Investing consistently and buying more of the entire market during dips lets you grow your wealth without trying to time anything. The market as a whole has always recovered and historically grows after big drops which means dips actually help you build wealth faster. The reason a lot of people struggle is because theyre doing the opposite. They wait for the perfect moment panic when prices fall or buy dips on individual stocks that never recover. Thats how beginners get stuck. If"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7580806438532975879)  2025-12-06T18:00Z 2.3M followers, 3976 engagements


"Everyone wants to know what the market will do in 2026. But heres the truth you actually need. Your plan should work in any market. Up. Down. Sideways. Thats why we diversify. Thats why we build real financial literacy. Thats why we negotiate our bills and fight for higher pay. Thats why we create a healthy savings rate. Because if the stock market drops the only people who get hurt are the ones who are forced to sell. That is the real danger. Not the crash itself. The forced selling. Most people get wrecked because they put their last dollar into the market or theyre drowning in debt or they"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7581162250971532551)  2025-12-07T17:01Z 2.3M followers, 5217 engagements