The 4 Money Habits of Self-Made Millionaires

In this episode of Women Talk Money, we break down the four essential habits that separate the most successful clients on their journey to becoming debt-free, self-made millionaires. These women come from all income levels and backgrounds but share common behaviors that accelerate their wealth-building progress without sacrifice. Learn why knowing what you want isn't enough, you must prioritize it consistently. Discover how to assign money a job before it even arrives in your account, and understand the crucial difference between making more money to build surplus versus just getting ahead. This episode reveals why willpower alone will fail you and how building systems creates sustainable financial success.

To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click ⁠⁠here⁠⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.

⁠Subscribe to Surplus Living⁠ to have financial peace that outlasts payday. Make surplus living your new normal, so you can have up to $5,000 left over every month and keep it long after payday.

Follow Aqura on Instagram ⁠⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠⁠.

Aqura interviews her former client Carmen, a notary business owner in her 60's, who spent years avoiding her numbers and mixing business and personal money. She feared being told to go back to a 9–5. Instead, she learned how to get organized, spend intentionally, and finally have money left over every month without making a dollar more.

In this episode, Carmen shares how she:

- Finally sleeps at night after paying bills, instead of freezing in fear.

- Has the most money she's ever had in her life.

- Learned her numbers for the first time and built a system she can trust.

- Stopped mixing business and personal accounts, and now pays herself consistently.

- Paid off credit cards and stopped needing them for everyday expenses.

- Spends intentionally on her nails, hair, lunch dates, and even joined a gym, without guilt.

Carmen didn’t need six figures to feel financially secure. She needed a plan to spend less, organize her money, and build real peace. This episode will show you what’s possible, even if you’re in your 60s and have never felt in control of your money before.

Self Made Millionaire is a 3 month group program helping you spend 50% less without feeling restricted. Enrollment is open through September 3.

Learn more about Self Made Millionaire and join us.

Strategic Spending: How to Live Your Best Life While Building WealthNavigating Financial Stability: Andrea Ramos' Money Story

In this episode of Women Talk Money, we explore the art of strategic spending and how planning your finances doesn't mean restricting your joy. The host breaks down the misconception that financial planning requires cutting out everything you love, instead showing how proper spending plans actually create more freedom. Learn the difference between planned spending (groceries, beauty appointments, scheduled brunches) and free-flowing spending money that you can use guilt-free on things that genuinely bring you happiness. Discover how to identify what truly makes you light up versus spending for appearances, and why skipping the plan actually kills the spontaneous spending you crave. This episode reveals how to become a debt-free, self-made millionaire without waiting until you're rich to enjoy life.

00:00 Introduction and Self-Made Millionaire Program Announcement
02:30 The Foundation: Planning Your Spending
05:15 Reframing What Planning Really Means
08:45 Why Skipping Plans Kills Free-Flowing Spending
12:20 Living Your Best Life vs. Living an Extravagant Life
16:10 Practical Planning: Known Expenses vs. Want Spending
19:40 The Millionaire Money System Approach
23:15 Guilt-Free Spending and Financial Freedom
26:30 Conclusion and Program Details

To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click ⁠⁠here⁠⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.

⁠Subscribe to Surplus Living⁠ to have financial peace that outlasts payday. Make surplus living your new normal, so you can have up to $5,000 left over every month and keep it long after payday.

Follow Aqura on Instagram ⁠⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠⁠. 

From Business Crisis to Financial Confidence: Ashley Jean's Story

In this episode of Women Talk Money, creative entrepreneur Ashley Jean shares her journey from nearly shutting down her business after a devastating client experience to building financial confidence across multiple income streams. Learn how she eliminated $4,000 in unnecessary expenses in two months, overcame scarcity mindset, and created systems that allow her to take intentional time off without financial stress. This conversation explores the unique money challenges first-generation entrepreneurs face and why financial education is crucial for creative business owners who focus more on their craft than the business side.

To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click ⁠⁠here⁠⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.

⁠Subscribe to Surplus Living⁠ to have financial peace that outlasts payday. Make surplus living your new normal, so you can have up to $5,000 left over every month and keep it long after payday.

Follow Aqura on Instagram ⁠⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠⁠. 

In this episode of Women Talk Money, Aqura breaks down how to know if it's your income, spending, or debt that's keeping you stuck. Because if you don’t solve the actual problem, you’ll stay in the same cycle of “catching up,” no matter how much money you make.

You’ll learn more about:

✨ The truth about making more money to solve your money problems.

✨ How to know if debt is your real issue, and why just paying it down isn’t enough to truly fix the issue.

✨ The telltale signs of a spending problem.

✨ Why most people think they have an income problem.

Whether you’re buried in debt payments, living on “someday money” from your next raise or client, or watching every extra dollar disappear without knowing where it went…this episode will help you get clear on what’s really holding you back.

Self-Made Millionaire is open for enrollment. You’ll spend 50% less in 90 days without feeling restricted by spending strategically- no matter what your income is right now, how much debt you have, and even if you have no savings.

If you’re making more than ever but still feel behind financially, this episode is for you.

Aqura interviews her former client Kristen, a speech language pathologist, who was making the most money she’d ever made in her life but she still felt behind. Savings wasn’t building, debt wasn’t moving, and money felt tight no matter how much came in.

In this episode, Kristen shares how she:

- Is spending less money because of spending strategically and still able to get the things she wants.

- Stopped relying on credit cards and paid off $5,000 in debt.

- Saved for her wedding stress-free and fully funded ahead of time.

- Helps her mom financially, without putting herself behind.

Kristen didn’t need to earn more money first. She learned how to spend strategically, so she could do more with the income she already had. This episode will show you what’s possible when you stop feeling like your money is in control of you and start building the financial safety and peace you deserve.

Register for the free training, ⁠Spend 50% Less in 90 Days Without Feeling Restricted⁠, happening Wednesday, August 20 at 6PM EST. You’ll learn the 3 strategies to cut your spending without sacrificing everything you want along the way.

When you register, you’ll be eligible for a bonus Done-For-You Spending Review, where I’ll personally review your numbers and give you customized feedback on your spending and the first thing to focus on for your specific situation.

Follow Aqura on Instagram ⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠.

In this episode of Women Talk Money, we dive into why spending less is the non-negotiable first step to becoming a self-made millionaire as someone who didn't (and won't) inherit a head start to building wealth. You'll learn how focusing on strategic spending can create a surplus at any income level that you can you can turn directly into wealth.

Register for the free training, Spend 50% Less in 90 Days Without Feeling Restricted, happening Wednesday, August 20 at 6PM EST. You’ll learn the 3 strategies to cut your spending without sacrificing everything you want along the way.

When you register, you’ll be eligible for a bonus Spending Review, where I’ll personally review your numbers and give you customized feedback on your spending and the first thing to focus on for your specific situation.

In this episode of Women Talk Money, Aqura sits down with Coach Lii, also known as the Soft Life Fairy Godmom, to talk all about money, relationships, and learning how to receive. She shares how she went from food stamps and struggle love to building a business that brings in $50K months.

Coach Lii talks about what it really means to build a soft life, why your money needs a mission, and how knowing what you want is the first step to getting it. If you've ever felt uncomfortable receiving help, struggled to stay disciplined with money, or wondered how to actually use your income with purpose, this conversation is for you.

To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click ⁠here⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.

 Subscribe to Surplus Living to have financial peace that outlasts payday. Make surplus living your new normal, so you can have up to $5,000 left over every month and keep it long after payday.

 Follow Aqura on Instagram ⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠. 

In this episode of Women Talk Money, Aqura chats with Adelle Thompson, a career change and confidence coach. Adelle shares her inspiring journey from growing up with financial hardship to empowering others and building her own successful business.

You'll hear how Adelle, a former teacher and single mom, learned to use money to provide experiences for her daughter and reduce stress. She bravely shares her biggest money challenge: battling the deep-seated fear of being poor again, even after achieving significant savings. This episode is packed with honest insights on breaking generational cycles and why money gives you access and options.

To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click ⁠here⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.

 Subscribe to Surplus Living to have financial peace that outlasts payday. Make surplus living your new normal, so you can have up to $5,000 left over every month and keep it long after payday.

 Follow Aqura on Instagram ⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠. 

In this episode of Women Talk Money, Aqura chats with Saba Ferdinand, founder of Her Support System. Saba shares her inspiring journey from growing up between Florida and Haiti to becoming a thriving operations agency owner.

You'll hear how Saba realized you can't budget what's not enough, leading her to aggressively pay off debt. She also discusses managing business finances and prioritizing travel. Saba shares what she's still figuring out and the empowering words her money story would tell her today.

To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click ⁠here⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.

Subscribe to Surplus Living to have financial peace that outlasts payday. Make surplus living your new normal, so you can have up to $5,000 left over every month and keep it long after payday.

 Follow Aqura on Instagram ⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠.