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Nicole Victoria | Money Coach  Data Trend (30 Days)

Nicole Victoria | Money Coach Statistics Analysis (30 Days)

Nicole Victoria | Money Coach Hot Videos

Nicole Victoria | Money Coach
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 🔥
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Nicole Victoria | Money Coach
This is the worker they're talking about in the video, and he says when taking the position he clarified his working hours were 9-5 est. If this meeting is technically outside of his scheduled hours, do you think it's fair his boss expected him to be available at a moments notice to come in? This reminds me of the articles we've been seeing lately claiming Gen Z doesn't want to work anymore, but to me this doesn't sound like someone who doesn't want to work, but instead someone who wants to work the job and hours they signed up for. They want to call it "quiet quitting", but I'm calling it adhering to my contract - it's like a bait and switch. You sign up for an equal exchange of services for money that everyone agreed to, and they want to change the expectations without paying it. I think it's crazy that when you work a salary position they have no problem telling you to work overtime with no additional pay, because "you're paid for the job to get done" and youre not an "hourly employee"... But when the job is done before 5pm you still have to stay. These companies don't reward efficiency, they reward "optics". They'd rather you be there 10 hours a day, spending half that time walking around desk to desk with a salad in your hands, than getting the work done well in 6 and going home. At what point do we realize that these "unwritten expectations" are more about control than anything else? They want to tell you what you can do and when you can do it, and they want your entire life to revolve around the business. They act like every minute task is as important as a doctor in emergency surgery. Helen, you're not saving lives you're selling office furniture, calm down. I remember when I worked my corporate job and every month my department would be scrambling to "find the money" because the billing process for a multi billion dollar grocery chain was literally excel spreadsheets. It was always an emergency everyone had to work extra hours to correct, but it was never important enough to invest the time into building the infrastructure that would prevent this issue in the first place. It's not the workers fault that the company had inefficient policies, yet they're the ones who have to pick up the pieces when everything goes to shit over and over again. Coming out of university my biggest aspiration was to climb the corporate ladder, until I realized the game was rigged. Sure I'd make more money, but then I'd lose even more of my time, freedom and sanity. And our generations are seeing that trade off just isn't worth it. Instead, I learned how to invest and became financially free in my 30s. If you're ready to escape the rat race, check out our website for more.
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Nicole Victoria | Money Coach
👀 sharing some of the income streams that pay me out over 6 figures a year passively 💸 Keep learning with our free trainings! Find them on our website under FREEBIES 🤍
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Nicole Victoria | Money Coach
Ever wondered about your financial independence number? Here's the key: Multiply your desired annual spend by 25 using the 4% 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: 1. 🛠️ Fix and Flip: Transform properties strategically for profit. 2. 🏡 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: I'm a huge advocate for investing in the stock market because it has lower barriers to entry than real estate, and is truly passive income. 📉 Stock Market vs. Real Estate: 1. 💸 Down Payment: Real estate requires saving for a down payment; stocks welcome you with as little as $5. 2. 🔄 Liquidity: Stocks are more liquid, allowing flexibility in buying and selling. 📚 Free Investing Master Class: Ready for your Rich Girl Era? Join my FREE master class for exclusive strategies on building your net worth. Let's make 2024 your year you got rich.
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Nicole Victoria | Money Coach
Follow this strategy to get rich 🔥💸 Keep learning with our money training freebies! Find them on our website 🤍
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Nicole Victoria | Money Coach
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 7 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 2023 I made about $700 a month in passive income from them, and the value of my investments also went up $10,000. So overall I made about an 18% return. One thing I really like about them is that when they have additional funds that are waiting to be invested into another property, they don't let that money just sit earning nothing, they lend it out on short term loans. This helps increase the returns for the fund, and puts more money in my pocket. By focusing on cash flow today PLUS appreciation tomorrow, I'm having my cake and eating it too. If you want to learn more about investing, take my free Investing Masterclass.
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Nicole Victoria | Money Coach
Enroll in our free Investing Masterclass to keep learning ✅️🔥 Let's make 2024 the year you got rich 💁‍♀️
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Nicole Victoria | Money Coach
These numbers are SHOCKING 👀 Boomers don’t understand why more people in their 20s and 30s aren’t buying houses, but the math is actually really simple. My parents bought this home in the 80s for $60,000. To afford a $60,000 house with 10% down and an 18% interest rate, they’d need to be making about $30,000 a year to keep their mortgage cost under 30% of their gross income. The median wage in 1980 was $41,348 a year, so the average full time worker could afford a home on a single income, making up only 23% of their income. This is where it gets really interesting, because in 2021 the average income for millennials was $51,000. That same house that my parents bought for $60k in the 80s is now estimated to sell for $1.15M. You have to put 20% down to buy a house over $1M, which means the down payment alone would be $230,000. Let’s pretend that’s a reasonable amount of money that someone with a $51k annual salary could save, and that they’d finance the rest. A mortgage of $920,000 at a 6% interest rate would be $5,886 a month, or $70,000, which is $19,000 MORE than the average millennial makes in a year BEFORE taxes. So let’s imagine instead it’s a couple, both making the average salary, at $102,000 for their household. This comes out to 69% of their gross income, and they’d never get financed for that. Not to mention the fact that these millennials probably paid $20k, $30k, $40k or more to get the education that got them the job they have today, and they probably have that as student loan debt they have to pay back as well - because the cost of college has increased 169% from 1980 to 2020. Traditional advice doesn’t work for our generation. We will not be successful following what our parents did, because we live in a completely different world - and the new way to get ahead without the BS is exactly what I talk about on my account. Start learning with our free money trainings, link in bio.
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Nicole Victoria | Money Coach
FOLLOW MY INSTAGRAM AND YOUTUBE ACCOUNTS TO STAY CONNECTED, OR GET ON MY EMAIL LIST AND GET WEEKLY MONEY TIPS 🤍
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Nicole Victoria | Money Coach
If you want serious F U money, I'm going to teach you exactly how to do it. These are 3 strategies I used to have a $5M net worth at 33. 1. You have to invest, you will never save yourself rich. Don't listen to the advisors who say you need thousands to get started, its just because they don't want to manage a smaller portfolio - but you don't need them. Open an account on Wealthsimple in Canada or Vanguard in the US, and start putting $50 or $100 a week into something called an asset allocation fund. 2. Keep your fixed expenses, so things you have to pay for, to less than 60% of your income. Two of the biggest expenses that keep people broke are their housing and cars. Drive a used car so you don't take the hit on depreciation, and instead of trying to buy your dream home or live in your dream apartment now, get the home or apartment that will give you the dream home. So for me I bought my first home as an investment, it wasn't in the best area, it had a triangle balcony, my friends said they'd never live there - but I flipped that property for $150k profit, and this was foundational to me becoming a millionaire at 30. Other options are house hacking, or living in a cheaper apartment to invest more money and become financially free sooner. 3. You have to change your mindset around money. Stop saying things like "I can't afford it", and start asking how you can afford it. Stop seeing investing money as a sacrifice, and start seeing it as your roadmap to freedom. Keep learning how to build a fat bank account with our FREE Investing Masterclass. Grab a spot on our website under FREEBIES 🤍
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Nicole Victoria | Money Coach
Spilling the secrets of the rich 👀 Ready to learn how to go from broke to ballin'? Start learning about money and build your own fat bank account with our free trainings. Find them on our website under FREEBIES 🤍
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Nicole Victoria | Money Coach
🚀 Ever thought making $50k a year couldn't pave the way to millionaire status? Think again! I went from $50k to millionaire by 30 and now guide others on this transformative journey. 📊 Let's break down the math: assuming you're 25, have $2k credit card debt, and a 24.8% income tax rate. After taxes, that leaves $37,600 to thrive and build wealth. 💡 Tip 1: Keep fixed expenses (rent, loans, groceries, utilities) under 50-60% of your income. Negotiate to cut costs and redirect more money towards building wealth. 💰 Result: $18,800, or $724 bi-weekly, becomes your tool for both fun and wealth creation. 🔑 Pay your future self first! Set up automatic transfers to your goals. WPM Principle: Enjoy life while saving. Save roughly 1/3 for personal spending (~$200 bi-weekly), leaving $524 for growth. ⚠️ Prioritize building an emergency fund before tackling debt. Start with a $1,000 HYSA (High-Yield Savings Account) - $333 bi-weekly gets you there in 6 weeks. Then save 3-6 months' bare expenses. 💳 Address credit card debt next. Automate $200 bi-weekly payments; clear it in 6 months with minimal interest. 💡 Now, with $224 bi-weekly to invest, consider a Roth IRA (US) or TFSA (Canada). Automate $450/month into an index or target date fund, benefitting from tax-free growth. 📈 Patience is key. Let your investments grow untouched. This disciplined approach could turn that $450/month into over $1M in 30+ years - tax-free! 💸 Once debt's gone and your emergency fund's solid, redirect these funds to new goals or ramp up investments. Every extra dollar invested accelerates your millionaire status. 🌟 Ready to turn your $50k income into financial freedom? Let's work together to refine your financial blueprint for 2024 and beyond! 💼 check out our website for more 🤍
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Nicole Victoria | Money Coach
Replying to @ohsosher I can't believe they don't teach this in school 👀 Ready to keep learning? Take your power back and build a bank account that never stops growing. Grab your spot in our free Investing Masterclass, on our website under FREEBIES 🤍
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Nicole Victoria | Money Coach
I'm a millionaire with over $2M invested in the stock market, and I'm going to show you my favorite investment. Instead of trying to pick the best company or best stock, because let's get real that's like trying to find a needle in a haystack, instead I just buy the whole haystack. And no, it's not the S&P500 - I know a lot of people will say that's all you need, but I don't believe it because it's only 500 companies and it's only in the US. Instead, I like XGRO - it has super low fees so my money can work harder for me, it pays an almost 2% dividend which is money they just shows up in my account without me doing anything for it, it's gone up almost 40% in the last 5 years, and has over 13,000 companies in it worldwide. I make investing simple in my free Investing Masterclass, grab your spot on our website under FREEBIES 🤍
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Nicole Victoria | Money Coach
Did you know that after divorce, a woman's standard of living can plummet by an average of 30%, while a man's often sees a 10% increase? 📉 These statistics highlight a stark reality that underscores the need for financial independence in every woman's life. 💼 🚨 40% of women are at risk of falling into poverty after divorce. This alarming figure emphasizes the vulnerability that can accompany the end of a marriage. Having your own financial resources acts as a powerful shield against the economic challenges that may arise during such transitions. 💔 With 50% of marriages ending in divorce, it's a crucial reminder that life is unpredictable. We need to be prepared for the unexpected twists and turns, ensuring that our financial well-being isn't compromised when faced with major life changes. 🤱 The Motherhood Penalty is an added layer of complexity, affecting women who sacrifice income-producing years to care for their families. While it's a beautiful thing that should not be discounted, it can impact our financial standing in the long run. This sacrifice can result in long-term financial setbacks, making financial independence all the more essential. 🔗 But here's a sobering reality: victims of domestic violence often find it exceptionally difficult to break free from abusive relationships due to financial manipulation and dependence. By cultivating our own financial security, we not only gain autonomy but also create an avenue for escape and recovery. 💕 Let's break these chains together, supporting one another in our journey towards financial freedom. 🚀 Every woman deserves the strength and resilience that comes with financial independence. 💖
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Nicole Victoria | Money Coach
The easiest way to become a millionaire 👇👇 Rich people won't tell you this, but I had to fight my way here, so I'm spilling all the tea because I want you to get here too. If you invested $75 a week for literally just 10 years out of your entire life, from 20 until 30, that would be enough to become a millionaire and retire early. And you're probably thinking, how does this even work because you would have only saved $40,000 - but by putting your money in the right places that $40k grew to $65k by 30, and then compound interest took over and turned that $65k into over $1.1M allowing you to retire early a millionaire. If you want a video on how to do this, let me know in the comments. Learn how with my free Investing Masterclass 🤍
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Nicole Victoria | Money Coach
How to get rich step-by-step 👀 Keep learning how to build your first 6 figure bank account with our free challenge: 30 Days to $100k. Grab your spot on our website 💸
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Nicole Victoria | Money Coach
Rich people won't tell you this, but I spent my 20s studying the rich so that I could stop living paycheck to paycheck (even though I made good money), and live a soft life where I could travel, buy my dream home, and get out of debt for good. And what most people don't realize is that the biggest thing that separates people who get rich from people who stay stuck with money is the way their brain works. When I was broke I was so angry at my parents, the government, the schools, the economy - you name it. I felt like I'd been dealt a crap hand and it wasnt fair. But someone who becomes rich doesn't let their circumstances dictate the success they have in life. They understand the difference between not having control over what happens to you, but being 100% responsible for the actions you take afterwards. You can't change the cards you're dealt but you can decide how to play the hand. When I was broke, the number 1 thing that I thought I needed to do to get more money was get a another job. But a rich person wouldn't focus on ways to trade more of their time for money, because they know time is limited, and time is the most valuable thing you can spend. If you're always trading hours for dollars, there will always be a limit to what you can make - and if you don't learn how to make money while you sleep, you'll work until you die. When I was broke I thought I needed a lot of money to change my financial situation.  But the rich know that you can buy companies and apartment buildings literally for $1 if you wanted to, and that the best way to predict the future is to create it. When I was broke I always justified my situation: even though I was in debt, it wasn't “that bad” because there were people with more, even though I could never save money past my next paycheck I thought “it's not that bad, at least I saved for a couple weeks”. But the rich aren't afraid to give up the “good” to go for the great. They know that there is so much money out there for people who learn how money works, and that money may not inherently be happiness, but lack of money is definitely unhappiness. They stop waiting for things to “get worse” and get comfortable being uncomfortable, and do the hard things now for a soft life later. The cold water doesn't get warmer if you jump late. Ready to go from broke ➡️ ✨️rich✨️? I'm your girl 💃 We have 4 free money trainings available on our website under FREEBIES, or you can apply to work with me as your 7 figure mentor and learn the foundations to saving and investing tens to hundreds of thousands of dollars.
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Nicole Victoria | Money Coach
I have a $5M net worth at 33. If you’re trying to get rich in your 20s or 30s, then listen up, because in this series I’m sharing the biggest mistakes I see people make that lose them a lot of money. A lot of people will start investing because they think it’s the easiest way to get rich, and that’s true, but many are making these fatal mistakes - and they can keep you broke, even when you’re doing “everything else right”. Today we’re talking about why you’re wasting your money on mutual funds - even though that’s likely what your bank or advisor sold you as “the best option”. Even more insidious than recommending mutual funds is putting people into low or mid risk mutual funds when they are decades away from retirement. What most people don’t realize is that your bank is not selling you mutual funds because they’re the best investment, or because they’re inherently lower risk (even though they love to say they are, where a multitude of studies show otherwise), it’s because that’s where THEY, not you, make the most money. I’ll say that again: it’s because it’s where THEY make the most money. But where do they get this money from, because you don’t remember paying them? They take it right out as a percentage of your investments, and no - they don’t just get this money when you make a profit, they take it even when markets are down. Maybe you’re thinking, Nicole, it’s such a small fee, it’s only 2.5%, does it really matter in the grand scheme of things? Let’s take a look. Imagine you had a mutual fund and an index fund (something you could easily buy on your own with a couple of clicks) that both returned 10%, except the fee on the mutual fund was 2.5% and the fee on the index fund was 0.04%, and you invested $500 a month from the age of 35 until retirement. The mutual fund would have returned you $664,000, whereas the index fund would have given you an account with over $1,065,000. That’s a difference of $400,000. The mutual fund would provide you with $26,000 a year in income, whereas the index fund would provide you with over $40k annually. Both took the same amount of time to set up, both had the same amount of money invested, but one is exponentially better - because with the index fund, instead of paying out $400k in fees to someone who spends maybe an hour or two a year talking to you, you got to keep that money for yourself. I don’t know about you, but there’s a lot of things I’d rather do with $400k than pay it to the bank. What’s worse is that many bank advisors don’t take the time to educate their clients, so if they have someone who comes in and is nervous about investing, instead of showing them the proven strategies used to mitigate risk (like time and diversification), they just throw them in a low risk portfolio - not explaining that this is actually exponentially MORE risky than the “high risk” one, because now their portfolio won’t grow enough for them to be able to retire. If the low risk portfolio returns an average of 4% a year, but they’re paying 2.5% in fees, you’re only actually making 1.5% - you’d be better off sticking your money in a HYSA!! Let’s say you invested $500 a month into a low risk mutual fund returning an average of 4%, 2.5% in fees, from 35 until retirement, you’d have $226k with $46k being interest earned. This would give you $9k a year in income in retirement. Can you live off of $9k? You did all the right things, you invested, you saved, but you barely have enough to pay for food because you were put in the wrong fund with astronomical fees. The most powerful component when it comes to investing is TIME! TIME makes your money grow and compound, and if you get it wrong, you cannot get that time back. Stop guessing and take your power back. If you don’t know how to choose your investments, don’t worry - I’ve got you. Take our all new free updated ULTIMATE investing masterclass.
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Nicole Victoria | Money Coach
Most people are going to tell you some BS about spending less money, but I'm not going to do that. Buying coffee is not the reason you're not rich. Instead of spending less money, I'm going to share with you 3 places you should be spending MORE if you want to build wealth. For context I'm a self made millionaire and published author who teaches you how to get rich. The average millionaire has 7 streams of income, okay they have 7 STREAMS OF INCOME. As a millionaire myself, I also have 7 streams of income. This doesn't mean I have 7 jobs, this doesn't mean I have 7 businesses, it means I have money coming to me from 7 different sources. The average American has 1 income stream, do you see a difference? So how can spending more money make you rich? 1. First you're going to spend more money on upgrading your skillset, because if you're going to be trading those 40 hours a week for money you want to maximize how much you can get paid. Get the most out of every hour of your life you trade for money. Your 9-5 job will be one of your streams of income - aka your active income, or money you physically work for, and the rich know that by investing in the knowledge, mentorship or education to learn high income skills or get a promotion, you will make more than what you put out to learn. It's all about considering the ROI, or return on investment. This does not mean go to school and get 47 degrees in something with no job prospects - because then you would have a negative ROI, it is not an investment unless there's a defined way for you to make your money back. 2. Spend money and get your resume and cover letter professionally written, then use this and your increased skillset to apply to new companies. You should be switching companies on average once every two years. None of this "here's your 2% wage increase to match inflation BS", instead your going to job hop and make thousands more a year with each move. 80% of people made more simply by switching companies, and not only do people with an expertly written resume earn seven percent more than those without, but 42 percent also reported moving onto a higher-level position — and a higher-level position usually also means a higher salary. The theme is starting to come together here - you have to spend money investing into yourself to have more money. 3. Your active income is the Golden Goose to building out your other streams of income, because as the saying goes it takes money to make money. While you're doing steps 1+2, you need to spend more learning how to be good with money. There's a reason why so many pro athletes and lottery winners go broke. It's not because they didn't have enough money, it's because they didn't know what to do with it. If you're trying to build first generation wealth, you probably didn't have parents to teach you about the best ways to grow those other 6 streams of income, so now it's up to you to learn. You can buy books, and hire mentors, and pay for masterminds to get in the room with rich people who have the life you want and learn from them. You need to learn how to manage your money, save it, and then invest it so you can create those other 6 income streams. The money that you make from your 9-5 will fund your ability to invest and start getting paid while you sleep. For me, my income streams are: - REIT dividends - MIC interest - Stock dividends - Rental income - Capital gains (from selling investments) - GIC interest (from a GIC ladder) - HYSA interest Passively I now make over 6 figures a year. If you want to start learning, we have 4 free trainings available on our website under FREEBIES 🤍
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