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[@nobudgetbabe](/creator/tiktok/nobudgetbabe)
"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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2023-09-06T16:03Z 2.3M followers, 266.1K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-10-06T17:11Z 2.3M followers, 17.2K 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/7561507584704990482) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-10-15T17:51Z 2.3M followers, 12.8K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2022-12-13T18:19Z 2.3M followers, 884.5K 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 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-12-31T15:24Z 2.3M followers, 6.4M engagements


"While I was on the couch watching Jeremiah pick Iris over Huda on Love Island My investments were busy paying me $12519.82. I didnt sell anything. I didnt do anything. This is dividend income. Its one of the ways I make six figures a year without trading time for money. Dividends happen when a company or ETF shares its profits with you just for owning it. ✅ You dont have to time the market ✅ You dont have to sell ✅ The money just shows up But heres what most people get wrong: If youre early in your journey dividend investing shouldnt be your whole plan. You want growth first then income. I"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7522125882547244344) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-07-01T14:50Z 2.3M followers, 42.9K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-07-22T12:55Z 2.3M followers, 13.4K engagements


"Everyone panics when the market drops. Rich people dont. They see it as a sale. Because when youre properly diversified youre not gambling on one company. Youre owning the entire market. Vanguard found that there has never been a XX to XX year period in history where a diversified total market portfolio produced a negative return. That includes every crash recession and war. So if youre diversified investing consistently and playing the long game market dips are how you build wealth faster not something to fear. Hi Im Nicole Victoria millionaire by XX featured in Forbes Fox and The Financial"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7562226114429472007) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-10-17T16:19Z 2.3M followers, 7756 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-10-18T17:19Z 2.3M followers, 10.5K engagements


"While the S&P XXX is undoubtedly one of the most well-known and widely followed stock market indexes it's important to understand that it doesn't represent a complete or diversified portfolio. Here's why: X Lack of Global Exposure: The S&P XXX is primarily focused on the largest publicly traded U.S. companies which means it overlooks opportunities outside the United States. A truly diversified portfolio should consider international markets providing exposure to different regions and industries. X Sector Concentration: The S&P XXX is market-cap-weighted meaning larger companies have a more"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7238261536538594566) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2023-05-28T15:51Z 2.3M followers, 238.7K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2023-12-14T16:11Z 2.3M followers, 191.3K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-04-14T22:46Z 2.3M followers, 669.8K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-04-17T17:42Z 2.3M followers, 610.8K engagements


"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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-07-06T15:35Z 2.3M followers, 50.3K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-07-10T20:44Z 2.3M followers, 85.3K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-09-21T18:57Z 2.3M followers, 343.1K engagements


"As a self-made millionaire I would never have gotten here if I didnt invest. You can never save your way to wealth. Saving alone keeps you stuck exactly where you are while inflation quietly eats away at your money every single day. Investing is what actually builds wealth because it lets your money work for you even when youre not working. You think youre playing it safe by keeping your cash on the sidelines but youre already losing money by doing nothing. Every day you wait is a day you fall further behind. The truth is not investing is the biggest risk of all. Hi Im Nicole Victoria. I went"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7563307440649882888) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-10-20T14:15Z 2.3M followers, 4378 engagements


"Replying to @canadianjulie Is investing $XX a month enough to change your financial situation Let's find out. Here I'm going to share with you X examples the 1st one being investing $XX a month until the traditional age of retirement. The 2nd one is starting with $XX a month and then increasing to $XXX per month in your later years. The second example is more common as typically while people get older and advance in their careers they make more money and have more to contribute. In either case we can see that "starting small" can have big impacts on your life. This is because TIME is what"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7200210361629281542) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2023-02-15T02:53Z 2.3M followers, 167.8K engagements


"🏠 Curious about Mortgage Investment Corporations (MICs) As an investor who prioritizes security WHILE making money I focus on first mortgages with low loan-to-value ratios. Here's a few factors to consider when evaluating MICs: X Risk Mitigation: Look for MICs that prioritize conservative lending practices. My focus on first mortgages with low loan to value ratios helps reduce risk exposure. X Diversification: Assess the MIC's portfolio diversification strategy. Diversified investments across different properties areas and borrowers can enhance stability. X Transparency: Seek MICs that offer"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7359373893838130437) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-04-19T00:49Z 2.3M followers, 40K engagements


"Replying to @mariahcason17 How to find your old 401k accounts (and roll them over into a self directed IRA) 💸 If you're ready to learn what to do with your new self directed account to make sure your money is working FOR you then grab a spot in our free Investing Masterclass 🫶 Find it on our website under FREEBIES 🤍"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7372925745213099269) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-05-25T13:17Z 2.3M followers, 12.7K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-05-31T19:34Z 2.3M followers, 101.2K engagements


"Teaching you the lessons I learned that helped me go from $40k debt to millionaire at XX 🫶 Check out our website to keep learning 💸"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7390395762091330821) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-07-11T15:10Z 2.3M followers, 330.3K engagements


"These are the X steps to becoming a millionaire. And no they dont include restrictive budgeting cutting lattes or depriving yourself of the things that make life fun. This is the Making Money Moves Methodthe exact process I used to go from $40000 in debt to millionaire at XX. Its also the method Ive taught thousands of students who have: ✅ Built six-figure investment portfolios ✅ Paid off tens of thousands in debt ✅ Set themselves up to retire early ✅ Bought their first homes ✅ Taken multiple dream vacations a year ✅ Paid for weddings in cash ✅ And finally felt financially secure & free And"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7483200133417454853) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-03-18T17:18Z 2.3M followers, 192.9K engagements


"Use my code 4NLXZG and get $XX when you open and fund a Wealthsimple account (T&Cs apply) This isnt sponsoredI just want you to stop letting your money sit in low-interest accounts doing nothing. In this video Im walking you through what these accounts actually are how to open one and why I personally love Wealthsimple Cash and EQ Bank in Canada (plus Ally if you're in the US). Lets get you earning more with your moneyeffortlessly. Use code 4NLXZG and well both get that $XX bonus"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7489129722631261495) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-04-03T16:48Z 2.3M followers, 12.6K engagements


"Youre not crazy for feeling like somethings off. Bond yields just hit levels we havent seen since 2007and when that happened last time everything unraveled. Most people have no idea what bond yields even arebut the wealthy They watch them like a hawk because they know what comes next. This video breaks it all down in simple termsso you can stop feeling confused and start making smart moves with your money. Watch to the end for my free How to Get Rich in a Recession masterclassbecause this is when wealth is made"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7505039593482341687) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-05-16T13:46Z 2.3M followers, 36.9K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-07-09T16:16Z 2.3M followers, 268.5K 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 💅"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7526224322227178758) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-07-12T15:54Z 2.3M followers, 160.2K engagements


"Last year I shared two investments that were paying me thousands a year in dividends 💸 A dividend is simply a payout companies or funds give you from their profits. It feels amazing to get paid just for owning an asset but heres the truth most people dont know. When youre early in your investing journey you usually want less than XX% of your portfolio in dividend-focused ETFs or REITs. Why Because in the beginning its all about growth and letting your money compound. Passive income is incredible but it makes more sense later when youre focused on cash flow over long-term growth. For full"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7547364656537505042) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-09-07T15:09Z 2.3M followers, 13.4K engagements


"Most people think debt is about math. Pay the minimums shuffle things onto a balance transfer card maybe take a 401k loan and deal with it later. But if it were just about math youd be debt free already. The truth is debt is about psychology. Scarcity keeps you focused on fixing todays pain even if it means stealing from your future self. Thats why the cycle never ends. I broke that cycle. I paid off $40000 of debt in XX months not because I found the perfect budget but because I finally understood the mindset and strategies that actually work. If you are tired of feeling stuck and ready to"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7554051212987993362) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-09-25T15:36Z 2.3M followers, 28.7K engagements


"Step by step how to buy a stock 💸 Hi Im Nicole Victoria. I went from $40K in debt to millionaire at XX and now I teach women how to build real wealth through investing systems and strategy. Most people make investing way harder than it needs to be but Im here to show you how to start building wealth the easy way. In my free trainings Ill walk you through how to actually start investing even if you feel overwhelmed or scared to lose money. Youll learn how to grow your money while you sleep the exact steps I used to build an eight-figure net worth and how to make your money work harder than"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7558896367767194887) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-10-08T16:58Z 2.3M followers, 6802 engagements


"Ever wondered about your financial independence number Here's the key: Multiply your desired annual spend by XX using the X% rule. That's your magic number for financial freedom 🔢 🚀 Accelerate Your Wealth: Learn how I hit my number faster with strategies like leverage househacking and fix-and-flip in real estate in this video 🏡 Real Estate Strategies: X. 🛠 Fix and Flip: Transform properties strategically for profit. X. 🏡 Leveraging Househacking: Live smart by renting out part of your space reduce fix and flip risk by living in the property while you renovate. 💼 Stock Market Proponent:"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7326596276588383494) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-01-21T16:55Z 2.3M followers, 860.1K engagements


"Did you realize that having $300k is halfway to having $1M It seems crazy but understanding this concept can make you very rich. Lets look at the math. If you invested $10000 a year at a X% rate of return it would take you XXXX years to get to X figures only XXX years to get to $200k and only another XXXX years to grow that to $300000. Due to the 8th wonder of the world compound interest it starts to take less and less time to hit your next financial milestone. So in total it would take you XXXXX years to get to $300000. Heres where it gets interesting: it only takes about XX years to get"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7359602209937575174) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-04-19T15:35Z 2.3M followers, 111.2K engagements


"Turns out the real red flag wasnt his texts at X a.m. - it was his inability to manage his money. Tax that sh*t and thank yourself later 💅"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7464767374961429765) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-01-28T01:10Z 2.3M followers, 4621 engagements


"Heres what people dont realize when they blindly invest into the S&P 500: Its not everything. Its a very specific slice of the market. The S&P XXX is just XXX of the biggest companies in the U.S.were talking massive corporations like Apple Microsoft and Amazon. 📍 These are called large-cap companies (big capitalization = big company). But what about the smaller companiesthe ones that are growing fast and can become the next big thing Theyre called small-caps and theyre not in the S&P XXX. And what about mid-sized companies or international companies doing huge things across Europe Asia and"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7511173440708119814) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-06-02T02:29Z 2.3M followers, 30.1K engagements


"Wall Street is acting like September is about to change everything but theyre not telling you the full story. The Fed is likely cutting rates which can push stocks higher in the short term. But heres the catch. Rate cuts usually happen when the economy is slowing down and if you dont know how to position yourself you can get caught buying right before the drop. The rich arent just watching this play out. Theyre moving their money into the right places so they profit no matter what happens. If you want to know exactly how to think and invest like they do grab my free investing masterclass on"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7538536350950116626) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-08-14T20:11Z 2.3M followers, 56.9K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2023-09-13T18:16Z 2.3M followers, 8.1M engagements


"🤔 "Should I be maxing out my 401k" Let's dive into it. 💸 While 401ks with employer matches are solid they often come with high fees and limited investment options. Did you know that investing on your own like with a traditional or Roth IRA could potentially yield higher returns depending on your income 💡 Even though 401k fees might seem small (around 2%) a X% difference can significantly impact your retirement income potentially shaving off XX years from your savings 👉 But hey if your employer offers a match always seize that opportunityit's part of your paycheck Think about it: that"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7321781444265725190) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-01-08T17:31Z 2.3M followers, 24.1K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2024-06-07T19:19Z 2.3M followers, 147.9K engagements


"Fix your finances in X minutes If youve ever felt like youre making good money but still have nothing to show for it this is for you. Im breaking down a financial audit method Ive used to help people identify gaps in their money and start making smarter financial moves. ✔ Spot where your money is actually going ✔ Cut unnecessary spending without giving up what you love ✔ Start building wealth with simple actionable strategies No restrictive budgets. No guilt. Just a clear path to financial confidence. Ready to take control of your money Start your financial journey todaywork with me and check"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7467278791728041222) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-02-03T19:35Z 2.3M followers, 136.3K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-08-18T13:25Z 2.3M followers, 1.9M engagements


"Recessions make millionaires. The truth is weve been hearing a recession is coming for years now and the experts arent totally wrong. The warning signs are there. But the real question isnt when its coming. Its whether youll be ready when it does. The wealthy dont fear recessions. They prepare for them. They understand that every downturn is part of the natural cycle and its also when the biggest opportunities appear. They have cash on hand. They keep investing when things go on sale. They stay calm while everyone else panics. Thats how new millionaires are made every single time. Hi Im"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7558516906647375111) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-10-07T16:26Z 2.3M followers, 4218 engagements


"Most people think being good with money means doing what looks smart on paper. But real wealth isnt just about math. Its about strategy. When my mortgage rate was X% and the market was returning around XX% paying it off made zero financial sense. I wanted my money working harder for me not sitting in home equity. But once I hit my f*** number everything shifted. I didnt need more growth. I wanted stability. Thats when I used my gains to de-leverage because the goal of investing isnt to take risks forever. Its to buy back your peace. So yeah maybe it was a bad financial decision on paper but"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7561078978895826183) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-10-14T14:08Z 2.3M followers, 3715 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-09-01T16:28Z 2.3M followers, 132.8K 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) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-10-20T16:58Z 2.3M followers, 35.5K engagements


"But the truth is the people who stayed invested with a diversified portfolio didnt lose. They built wealth. The market fell about XX percent during the financial crisis but long-term investors who stayed diversified and reinvested their dividends have seen over a XXX percent return since then. The crash didnt destroy their portfolios. Panic did. And I know someone will say Not everyone can wait that long. Thats true. But thats why you never invest money youll need in the next five years. Investing is a long-term game. The market rewards patience not perfection. Another one I hear is This time"  
[TikTok Link](https://www.tiktok.com/@nobudgetbabe/video/7563685428746882322) [@nobudgetbabe](/creator/tiktok/nobudgetbabe) 2025-10-21T14:42Z 2.3M followers, 5929 engagements