In this episode of The Aligned for Success podcast, Nikki shares a deeply personal story about how becoming a victim of identity theft shaped her resilience, work ethic, and approach to financial independence.

Nikki opens up about her experience at age 25 when a charismatic con artist she met in  Philadelphia moved to Atlanta, stole her identity, and left her with $30,000 in credit card debt while she was still in chiropractic school. Nikki details how this financial crisis forced  her to make difficult decisions, including taking a forbearance on her student loans that  would have long-term consequences.

Rather than filing for bankruptcy or giving up, Nikki demonstrates extraordinary grit by working as a chiropractor during the day while answering phones at a wax center on evenings and weekends for two years to pay off every dollar of the fraudulent debt. This determination was rooted in her mother's teaching to never put herself in a position where she couldn't take care of herself.

Throughout this conversation, Nikki reflects on how this challenging chapter actually equipped her with valuable life skills - from better judgment of character to "figure-out ability" - that would serve her well as she navigated multiple associate positions before eventually opening her own practice.

This episode offers inspiration and practical wisdom for anyone facing financial hardship or recovering from setbacks, with Nikki's journey serving as proof that with determination and hard work, you can overcome even the most daunting financial obstacles.

Follow my Instagram: DrNikkiCottis