THE RICH HERMANA
Pick the sentence that sounds like your life right now. Each path gives you one free tool, one chapter of the book, and one thing to do this week.
PATH ONE
The money comes in, the money goes out, and at the end of the month you could not say where. This path builds the first structure, the one that makes every other decision easier.
Free tool
One sheet for savings goals, debt progress and every milestone. Ten minutes to set up.
Get it freeRead
The Budgeting 101 Breakdown, with the Traffic Light System and the 50-30-20 rule, then the money date ritual that keeps it running.
Get the bookThis week
Log into every bill and move the due date to the two days after payday. Most companies let you do it in the app. This one change ends most overdraft fees.
See the Money Starter Guide, $27Prefer Instagram? Comment GAME PLAN on any of my posts and I will send the tracker to your inbox.
PATH TWO
Cards, a car, a loan you took for someone else. The interest keeps you running in place. This path gets you the plan and the phone call that changes the math.
Free tool
Avalanche, snowball, balance transfer timing, and the word for word script to ask for a lower APR.
Get it freeRead
Credit Building = Your Passport to Financial Freedom, then Debt Payoff Methods That Actually Work: snowball, avalanche, and how to cut the interest itself.
Get the bookThis week
Weekday morning, script in hand, ask for the retention department if the first answer is no. Write down the name, the date and the new rate.
See the FinGoals Money System, $5Prefer Instagram? Comment DEBT on any of my posts and I will send the plan to your inbox.
PATH THREE
You send money home, you cover the emergency, you are the one they call. This path helps you keep doing it without giving up your own future.
Free tool
Set your Support Number, hold the line with the scripts, and start the retirement conversation before a crisis starts it for you.
Get it freeRead
Money and Relationships: boundaries with family, partners and friends, and the script for a fixed monthly support number. Cuentas claras, amistades largas.
Get the bookThis week
Decide once what you can give each month, after your own future is paid first. Then the next call already has its answer.
See the Money Date Care Package, $45Prefer Instagram? Comment FAMILY on any of my posts and I will send the plan to your inbox.
PATH FOUR
You have an audience, or the start of one, and a full time job. This path is how I got my first brand deal at 1,700 followers and how to treat creator income like a business from day one.
Start with
Media kit checklist, pitch checklist, the sample DMs and emails, my five step pitch method, a follow up template and the pitch tracker. 17 pages.
Get the kit, $5Read
Pivot. Pivot! and The Art of Making More Money Without Starting Over: the multi hustle years, and monetizing the skills you already have while keeping the day job.
Get the bookThis week
Your receipts are your first pitch list. Four lines: why them, who you reach, one idea, the ask. Follow up once, seven days later, with a new idea.
Get the Story Starter Kit, freePrefer Instagram? Comment PITCH on any of my posts and I will send the kit details to your inbox.
EVERY TUESDAY
Short, personal, and typed to one person. Real numbers from my own money, one move to make each week, and a reply button I actually answer.
Get the Tuesday letterEvery free tool lands in your inbox. If none of the four paths sound like you yet, start with the letter and reply to the first one. Tell me where you are and I will point you.