Jeanette Rosalia Money Coach

06/27/2025

https://spectrumlocalnews.com/nc/charlotte/news/2025/06/26/north-carolina--debt-pay-off-queen----helping-borrowers-amid-surge-in-student-loan-delinquencies

Almost 6 million borrowers are now delinquent after collections on defaulted federal student loans restarted, according to credit reporting agency.

01/16/2024

so looking at these categories… is it like someone is looking at your bank statement or what?

No but frrrrrr, when I learned about these spending categories, none of it surprised me.

Did you know that if you stopped your “fun spending” or discretionary spending - you could save hundreds to invest, and by the magic of compound interest end up saving 6 figures?

💸💸💸What I mean is: the power of compound interest can make you build bts wealth, and you might not even know it!

Take a look at your latest bank statement and add up alllll the little gas station, target, starbucks, etc etc etc fun spending you do without even thinking!

🛑🙉It tasks DISCIPLINE to cut back on spending and then it takes courage to invest that money back into your retirement!

🚨🚨🚨PS - IRA limits are increased to $7,000 for the year for individuals! That means to MAX that out, you’ll need to move around $136/week into your IRA and invest it….

… 😎🙋🏽‍♀️👑if 6 figure retirement is what you’re aiming for, you’ll need to invest that $136/week into the items of your choice (ETFs, Stocks, Etc) and let them grow with compound interest for the next 30~ish years!... by the power of compound interest and an average of 8% growth - in 30 years you would have $820,791

🛑Review your monthly expenses and identify areas where you can cut back. IMPULSE SHOPPING might be your problem, or dining out, or entertainment and saying yes to everything! Create a line in your budget that allocates a specific amount of money to these fun expenses and stick to it. I call this a “fun fund”
🚨Look for opportunities to sell unused items around your home. You can use online platforms like eBay, Craigslist, or local Facebook groups to sell items you no longer need and direct the proceeds toward your savings goal.

✨🔥✨🔥💸My Advice to you: Join my free debt payoff masterclass! On 1/25 at 10 am
I plan to teach you my 6 step framework to pay off debt, review the different types of budgets, make a debt payoff plan and MORE!

ALSO ITS FREE soo0o what are you waiting for?

01/11/2024

So you updated your dept of education student loan.. And now its in a different “status”
WTF?!🤬🤯🫠

I’m in the same boat. I get emails from my servicer with my new “status” and I am conflicted like should I pay? Should I pause? What should I doooo!?🤬🤬🤬

If you’re thinking about switching loan plans or consolidating - call your loan servicer for more information!
🚩Deferment: Deferment is a period during which borrowers can temporarily halt their loan payments.
🚩Many times, during deferment, interest doesn't accrue on subsidized federal loans and certain other types of loans.
🚨You won't be responsible for paying the interest that accumulates during the deferment period. Deferment is usually granted for specific reasons such as being enrolled in school at least half-time, being unemployed, experiencing economic hardship, or serving in the military.

🚩🚩Forbearance: Borrowers can either pause or reduce their loan payments for a specified period.
🚨🚩🚨Unlike deferment, interest CONTINUES to accrue on all types of loans during forbearance.

🚩🚨If the borrower doesn't pay the accruing interest during the forbearance period, it will be ADDED to the principal balance of the loan, leading to higher overall debt.

Forbearance is also granted for reasons such as financial difficulties, medical expenses, or other personal hardships.

Whatever status you’re sitting in right now, I hope this helps!

Our FREE money masterclass is coming back in a few weeks and Id love to tell you allll the 💰tea!

12/26/2023

Utilizing a good freaking budget can give you allll the tools you need to start long term building wealth!

I listed my fav reasons why you’ll love using my money magic budget spreadsheet as much as I do!

✨💰Money Magic Budgeting: allows you to allocate specific amounts towards debt repayment each month and may even allow for additional payments towards the principal, accelerating your debt elimination!

💸By categorizing and prioritizing your expenses, money magic helps you identify areas where you can cut back to allocate more funds towards debt repayment.

💰Money Magic helps you set aside a portion of your income for building an emergency fund and establish funds for specific savings goals!

💰By consistently saving and investing, you can only benefit from the compounding effect over time.

💰Money Magic serves as a powerful tool for financial management and reducing debt, building emergency savings, and strategically investing for long-term wealth building!!!

I LOVE IT because Money Magic does all the mathing for you - meaning it calculates how much you can spend per day and per month without going further into debt!

You have until 12/31 to purchase Money Magic for only $50!

12/13/2023

Long version is in the caption!

- I did not “plan” on switching to a different repayment plan when the year started and I totally was banking on Biden forgiving up to $20k of my loans!
At the time, I qualified for $18k forgiveness and was hoping that would go through. It got blocked and we re-evaluated my loans after repayment began.

🔥💰I paid off over 10k during the pandemic and felt so0o good when payments were resuming…

Until - the first payment and interest hit.
And then my balance increased instead of decreased!

I was formally on the Income Driven Repayment (IDR) and would prove my income every year to justify my payment. I would make double payments each month just to try and stay on top of it… but forgot that the unpaid interest gets added BACK into the principal amount…

This is my HOLY S**T moment - where I’m like, okay something needs to change!

So, I logged into studentaid.gov and started filling out the application to the new SAVE plan (blind). I put in my earning information and this new plan also asked for my husband's income…Which was infuriating bc he didn’t take out these loans with me so he should be left out of this!

I called my new loan servicer to ask some questions. I was concerned with my payment history. I have been paying these loans for 14 years and didn’t wanna lose that progress.
She insisted I keep my history.

🚨🚨The SAVE plan benefit is: the interest gets wiped away at the end of every month INSTEAD of being added back to your principal!

My payment went from $275 + any other bonus payments usually another $400.. To $650 with no interest accruing!

I could* technically afford the new payment bc its covering the full extra payment I am used to budgeting… and I can keep my 14 year history.
ONE HUGE DETAIL The rep did tell me: if you don’t apply to the new SAVE plan before 12/31 your history does not carry over!!!

So, beware, research it up, call your provider, crunch some numbers, send me a DM if you need help or if you are considering switching!

✨💌✨I have limited availability in my January schedule and can’t wait to help you start 2024 off - with a brand new look on your money!

11/06/2023

What I learned after being on the phone with my student loan provider for over 2 hours

Picture this: you bust your ass the entire pandemic making big student loan payments, bc your loan was over $120k …

Your payments are working, and your loan is now in the 87k range… 👏👏👏

Fast forward to now:
• Your loan was sold and bought by a new provider
• Your first payment already was taken via auto debit
😡Your loan balance due INCREASED instead of decreased

💀☠️The last one literally KILLS ME. Knocks alllllll the positive momentum out of my sails, makes me instantly spiral and start to weigh my options bc of the dumb iNtErEsT

🙏🏽Writing this caption, I am still on hold, waiting to talk to SOMEONE for 1 hour and 30 mins…

The stupid recording tells me to go online to studentaid.gov and try their new SAVE plan…

🧨What it doesn’t say is that the new SAVE plan accounts for your spouse's income as well in your payment. Something that was NOT a consideration when you took these loans out over 15 years ago… weird

🧨🧨What it also doesn’t say is that you’ll need to file your taxes separately in order to reap the maximum benefits of this new plan (smh)🤬

📖I’m calling to ask what I see as easy questions:
1. Can I (or you) increase my monthly payment to pay the principal down further?
2. Can I auto-debit multiple payments per month to try to get ahead of the interest compounding?
3. Do you have any discounts for working moms given childcare accounts for my biggest expense?

🫶All of this to say, I am just like all of my clients. I am also fighting for some , I am also a who went to school to provide for her family.

💰I am opening up 2 spots for 1:1 assistance - whether you need to talk through your student loans, credit card debt, overall financial situation or something else - dm me “I NEED YOU” & we can talk about my current 1:1 offers!

11/03/2023

Guys, investing in retirement is critical to long term wealth building! 💸💸💸

If you've ever wondered why older people are like : 🤷🏽‍♀️omg do you invest in retirement? It's bc they wish they started when they were younger!

🧨💰🧨HERE's 3 REASONS WHY YOU SHOULD INVEST IN YOUR FUTURE RICH SELF:

1️⃣ Compound Interest Magic: 🌟 Time is your best friend when it comes to investing. The earlier you start, the more time your money has to grow through the magic of compounding. Your money makes money, and the longer it has to do so, the better!

2️⃣ Less Stress, More Choices: 😎 Building a retirement nest egg early means less financial stress later in life. You'll have the freedom to pursue your passions, travel, and enjoy your golden years without worrying about money.

3️⃣ Tax Benefits: 💼 Many retirement accounts come with tax advantages.(Roth vs Regular) By investing early, you can take advantage of tax-deferred growth or even tax-free withdrawals down the road. It's like getting a helping hand from the taxman!

Don't wait – start investing in your retirement now, and thank yourself later!

Your future self will be high-fiving you all the way to the bank! 🙌💸

10/13/2023

Read that again!☝🏽

I feel like I used to be the queen of sorry I can't i'm really trying to save money right now…

At the time, I was spraying money at all of my debts, overpaying on everything, hoping I could make a dent!

Interest at the time was killing me. It just kept multiplying and I didn't know what to do.

After about a year, I realized I was just making excuses and had no one to hold me accountable for my financial situation.

It felt like after I paid off one thing something else huge would happen that would take all of my priority money… And the hole would just get deeper😩

I finally saw actual positive money changes when:

🧨 I hired my first money coach and had a real accountability partner

💰I got ocd organized, started utilizing a budget, 360 degree flipped my money mindset from scarcity to ABUNDANCE and set all types of goals.

💸 after three months, I made back my investment in my coach, set up a small emergency fund, and paid off two credit cards in FULL!

I realized I needed constant accountability and needed to further my financial literacy, knowledge in order to become my wealthiest self!

If this sounds like you, then I think you would be a perfect fit for my signature debt elimination program- THE DEBTinator!

Inside this take at your own pace course, you get instant access to 11 modules of financial literacy learning, 40+ worksheets, 2 live 60 minute zoom calls with me to ask me anything and constant accountability as your personal money hypewoman!

Click the link in my stories to purchase, 3 and 6 month payment plans are available so you don't need to drain your account in 1 shot!

10/11/2023

FKIN EMERGENCY FUNDS - are located at the core of FiNANciAL fReEdOm!

If you asked me 5 years ago if I had an emergency fund I would have laughed out loud!

This is one of the first key elements that we establish in your money journey. I want you to be as prepared as possible for any financial emergency- so much so that you have ZERO guilt/shame spending that fund in the event of an emergency!

🚨🚨Yesterday my car battery was dead when I went to start it...

Then at my office, still dead. I found the battery online, screen shorted the price and called Walmart to change it for me.

I didn't even freaking BLINK that this was costing me $148 SIMPLY bc I knew I had that money in my emergency fund!

Inside of the DEBTinator:
- we establish your emergency fund within the first few weeks.
- I emphasize the importance and use of your efund AND review how much you're comfortable putting in there
- then we move it to a high yield savings account so it can accrue interest and give you free money!
- most times clients are comfortable putting 3-6 months' worth of expenses in here!

Your emergency fund doesn't need to go toward your car- you can use this for any emergency, hospital, vet bills, house taxes- literally you name it!

ICYMI🚨🔥🚨🧨 THE DEBTINATOR is now enrolling! We start next week! Dm me if YOU'RE IN!

10/05/2023

Yesterday the Biden-Harris administration announced that an additional 125,000 Americans have been approved for $9 billion in debt relief! (According to studentaid.gov)

The Biden-Harris Administration is announcing it has approved:
💸$5.2 billion in additional debt relief for 53,000 borrowers under Public Service Loan Forgiveness programs.
💰Nearly $2.8 billion in new debt relief for nearly 51,000 borrowers through fixes to income-driven repayment plans. These are borrowers who have been in repayment for 20 or more years but never got the relief they were entitled to
⚡️$1.2 billion for nearly 22,000 borrowers who have a total or permanent disability and have been identified and approved for discharge through a data match with the Social Security Administration

🤞🏽🤞🏽What does this update mean for you:
If you’ve contacted your loan provider, switched plans to an IDR option, have a permanent disability or are on PSLF or have been repaying for over 20 years–this relief might apply to you!

🚨If you think this does apply to you: call your loan service provider to ask! If you’re not sure - call them anyway!!

🚨💰💸We talk about all things student loans, budgets, credit, retirement + investing & overall WEALTH BUILDING inside of my exclusive debt elimination program - THE DEBTINATOR!

🧨The Debtinator is a take at your own pace online course where we learn all the things they should have taught you in school!

🧨🧨Inside of The Debtinator, you watch short instructional videos to teach you how to organize your money, flip your money mindset to a life of abundance + wealth, grow your credit score, invest in retirement and G**O of debt

🧨🧨🧨You also receive 2 LIVE Q&A calls with ME, 40+ worksheets, journals AND A CUSTOM budget spreadsheet to calculate your monthly spending

🚨🚨🚨I have 2 VIP spots left! DEBTINATOR VIP’s receive 1 additional 60 minute private 1:1 Money Meeting with me 🚨🚨🚨

DM 💌me if you’re in and need that VIP extra hour

09/30/2023

❤️🚨🚨Take this as your personal money hypewoman reminder to transfer your freaking venmo or cashapp balance!!

No for real tho, if venmo disppears tomorrow and you've got some money just chillin, your money disappears with it!💸💸💸

Venmo/cashapp are NOT VDIC insured! Meaning, your $$ is not insured/guaranteed*

🧨🧨🚨I always encourage my clients to set a calendar reminder once a month so none of it goes unnoticed!

Please don't store money in venmo- if you need a place, store it in a high yield savings account so it accrues interest (and you get free $$! EVERY month💰)

💰High yield savings will literally pay you every month in interest just for having THIS type of account!

Lmk if you clicked that transfer button after reading this!😂❤️

09/28/2023

What made me go from debt ridden, depressed and feeling unaccomplished in my 20s to NOW?

A few things actually, but my journey started when I decided enough is enough and I realized I needed to get fking ORGANIZED!

I went to school for 7 years, I was hyper organized in every area of life- except for my money!

I would obsess about the $$ amount in my account, pay minimums on my credit cards bc I couldn't afford more and watch my student loan debt GROW bc iNteReSt🙃

I didn’t understand how to set myself up for financial success so I found a professional to help me!

We dove in head first, regardless of the investment bc I needed to see results and was ready to put in the work! I was NOT prepared nor organized 😅 but I learned sooo much sooo quickly!

⏩⏩ fast forward to 2023: I've never regretted investing in my financial future and never will!

💎I no longer let my debt define me! 💰💰I've paid off over $70k so far and don't plan on stopping anytime soon💸
💰I'm hyper organized with all of my money!
💎I'm not depressed and am SUPER accomplished!
💰I know the initial investment was scary but it's paid me back 10x or more at this point!

So just know, you’re making the right decision even if it seems scary, spend the money, invest in YOURSELF and your future wealthy self will most definitely thank you!