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So money episode 1423, just send WAMILA, money mindset coach, and founder of Wealth and Wellness

University. You're listening to So Money, with award-winning money guru Farneesh Karabi.

Each day, get a 30-minute dose of financial inspiration from the world's top business minds,

authors, influencers, and from Farneesh herself. Looking for ways to save on gas or double your

double coupons? Sorry, you're in the wrong place. Seeking profound ways to live a richer,

happier life. Welcome to So Money. When I got real with myself and started looking at my finances,

what I realized was, in 2016, with a master's degree, I only made like $17,800 with a master's

degree. And I went to school and one of the narratives was, you're not going into this

field to make money. And so that was a belief that I kind of operated from. And so I wasn't trying

to make money. I wasn't trying to serve at a high level, which is what turns into compensation,

right? Welcome to So Money, everybody. Last week, we explored how one woman, Bernadette Joy,

eliminated with her spouse over $300,000 worth of debt. And we're going to continue that theme

of financial greatness with our guest today, Jacent Wamala, who's going to talk about how she squashed

more than $90,000 worth of debt, a combination of graduate student loans, and credit card debt.

It's a financial hole. She says that deepened after a period of grief, when she got divorced

from her high school sweetheart, and then months later, lost her father. Jacent is a licensed

marriage and family therapist turned money mindset coach. She's the founder of Wealth and Wellness

University. And as I said in three years, all before her 30th birthday, she paid off close to

$100,000 worth of debt. Today, Jacent shares her expertise with millennial women of color,

providing guidance and support to write the best financial chapters of their lives.

In our conversation, she shares details of how she overcame that debt, started to charge more

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