Kamilah O'Brien

When I graduated grad school from NYU, I had over $65,000 in student loan debt. My salary was $50K and before I started paying off my loans, I thought it was enough. Then I got my first student loan bill and quickly realized it was not. I did not earn enough to pay my rent/fixed expenses, student loans, invest at 5% and have anything left over to save. I had to make adjustments quickly.

Shortly thereafter, I read Dave Ramsey’s Total Money Makeover and quickly implemented the strategies in the book. I started to share my results on YouTube and working with people one on one. For years I thought, if people just read the book, they could do it too. Then I realized, many people needed someone to guide them along the process of getting rid of debt and building wealth. Furthermore, Dave’s system is rigid and as a-one size all approach does not work for all. In this video, I show how I tweaked his plan to fit me.

Since then, I was able to get rid of my student loan debt in three years and build my six-figure net worth, without earning a crazy high salary. The key to my success has been to create a plan, set the plan and let it do all of the work.

What I personally enjoy is working with people one on one to create personalized plans that are easy to follow, allow you to retain a semblance of normalcy but also helps you make strategic financial decisions.