My simple step-by-step process for managing the money you make so you can pay off debt, build your savings, and achieve that dream life you deserve.

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An exclusive, 8-week money management mastery program designed specifically for working women who are tired of wondering where their money goes...and are ready to do something about it.

I'm Ready!

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"I finished the program! I liked the excel sheets that were adaptable.

They were easy to use and I’ve been tracking everything from these sheets. My favorite lesson was creating my own budget!"


"I got through the program with ease and learned a lot from it all! Even though I'm in the UK, I loved that there was a lot of support, and questions were answered without feeling stupid. I loved doing the spreadsheet with Raya's categories. She has changed my life."

Let me guess, your life goes something like...


You are a working woman! That means you get up every day, get to the office early and make some money!

You surround yourself with other ladies killing it. You treat yourself to the things you enjoy.

You work hard and you play hard! You travel. You shop. You go out to eat...or you want to do all these things.

But, for whatever reason, you never have as much money in your account as you should.

You make good, where does it all go?!

You made it this far in life, how can something like YOUR OWN money be so hard to get a grip on?!


The reality is, your money feels daunting because...

There's nothing to show for ALL of the work you're putting in!

Month over month, you're in the exact same place with the balance in your bank account.


So...where does all your money go?



Credit Cards...

Student Loans...






Well, when you put it that way...That's where your money goes!


It’s not that you’re completely reckless with your money (your bills are always paid, right?)

It’s not that you don’t make a decent salary (you've worked hard to get to where you are, right?)

It's that you never learned how to budget and manage your money.

They don't teach this in school!

Nobody showed you how to make sure your income covers everything it needs to INCLUDING building wealth...every. single. month.

Nobody showed you how to allocate your income so that your priorities are covered AND you enjoy life.


The result?


Frustration, shame and the feeling like you're behind in your financial life (or life in general, for that matter).

It's not your fault.

The society we live in today is not designed to help you learn how to truly build your wealth.

  • The society we live in is designed to promote instant gratification (1-click purchase?!)
  • The society we live in frowns upon people talking about their money...especially women.
  • The society we live in doesn't teach young people the basics of personal finance.
  • The society we live in gives us instant access to other people's lives and how they're spending all of their money...making us feel even worse.

But, you're not going to let "society" stop you from managing your own money!


"I gained so much from this program and I have so many tools to use. This program made budgeting simple! I loved all of the modules as each of them were packed with information that put things in perspective and helped me with my financial journey.  But, if I had to pick one, it would be Module 2. Doing the 90-day look back brought all of my bad spending habits to light."


"I really enjoyed this program!  Handouts were helpful and your availability for questions were key. My favorite lesson was creating the budget and tracking and I loved the step-by-step process of the entire program!"

I know you didn’t get this far because you’re lazy! You've probably already tried to tackle your money head-on. I bet you've had these thoughts...

“I should really get a budget in place.”

So you opened up a notebook/app/Excel spreadsheet and started listing all of those expenses...only to get depressed when you realize you should probably never eat out or go on vacation again because it’s just too expensive.

“I should educate myself more on personal finance.”

So you purchase [insert the latest personal finance book]...only to get completely overwhelmed by all of the things you'd have to do in order to make it work.

“I should see what other working women are doing with their money.”

So you joined some personal finance Facebook groups (City Girl Savings, maybe?) but quickly checked out because guess what? Everyone’s just like you - too busy to participate much!

It doesn’t matter how motivated you are. It’s hard to start the path to financial freedom when you don't know where to start! There’s just too much information out there, all pointing you in different directions.

If you’re ever going to get ahead of the financial overwhelm and actually GET STARTED, you need a super-clear, simple, step-by-step process specifically for women making money, just like you.


I'm Ready! Sign me up!


The Money Management Mastery Program is my proven step-by-step process for successfully managing the money you make so you can pay off debt, build your savings, and achieve that dream life you deserve.

In this course, you will go from feeling confused about where all of your money goes each pay period to having complete clarity around how your money is spent and leveraged.

That means you can finally experience progress in your overall financial situation and see real results with the money you make. No more wondering what you're working so hard for!

This is for ME!

Let me say this again. This is NOT about breaking even or getting by.

It's about managing the money you do make, so you can open the door for more.

I bet your dreams are just as big as mine!

You want things like:

  • Being able to travel the state, the country, and the world (by the way, add Aruba to that list!)
  • A life of NO debt! No credit cards accruing crazy interest. No student loans making you feel like you'll die with debt. No mortgages. No auto loans. No personal loans. No payday loans. NO DEBT.
  • The ability to buy what you want, when you want, and not feel like you should be saving that money or putting it towards debt.
  • Not having to worry about an emergency and how you'll be able to pay for it.
  • The choice to buy your own home or start a business or help others - the choice of doing what YOU want.

The "Money Management Mastery for Working Women" course will:

  • Teach you the most important financial concepts and money mindset shifts needed to change your situation
  • Walk you through how to assess your current situation and create a budget around a situation that helps you reach your goals
  • Keep you accountable along the way, thanks to the support you get from Raya (your money coach)
  • Offer you a private, supportive community of working women just like you who want to give and receive help, information, support, and encouragement along the way
This is for me! Sign me up!

What if I told you that you could have all of that?!

Why settle for feeling like you never have any money, or feeling like you can't do what you want without being behind?

Mastering the money you do have frees you up to:   

✓ Indulge in the things that make you the happiest

Dreaming of traveling the world and experiencing all the beauty that is open to you? Maybe you'd like to go with your partner, friends or family.  

Or, maybe you want to spend more time with those you love most who aren't close to you.  

Doing those things is possible, and it doesn’t have to be a magical, once-in-a-lifetime opportunity. You could do things like that regularly.  

When you manage your money properly, you get to dictate who gets your time, and how you spend it with them. 

What makes you the happiest?  

✓ Start that business or make a career switch to your dream industry

Feel like you're stuck in your current job because you NEED the money? When you've mastered the income you do have, you give yourself the option to make a career switch or start your dream business.

Mastering the money you do have means you can eliminate the things that don't make you happy, including the job that's giving you all that income!

Imagine if you could do what you LOVE on a day-to-day basis and still make sure your priorities are covered?

Managing your money makes that possible. 

What does your dream job or business look like?  


"I really liked interacting with other members. My favorite module was financial basics to put in place. I loved the tips and tricks in this module that would help me stay on track with my budget. Overall, excellent program. Great option if you can’t afford Raya's 1-on-1 coaching program!"

"I wouldn't change anything about the program!

It was great and I enjoyed it, so glad I took the leap!

My favorite lesson was planning the budget. It was hard to see how much I was spending but necessary."

What you'll get inside

Money Management Mastery for Working Women:

This program is delivered in 6 modules over the course of 8 weeks, so you have plenty of time for implementation.

Module 1: Your Money Mindset

The goal of this module is for you to see money in a positive light so it can be leveraged as a tool to help you achieve your dream life. Your money mindset is one of the most important aspects of money management.

In this Module, you'll learn:

  • How to understand your financial upbringing
  • How to identify your fears and limiting beliefs around money
  • How to understand and change your money mindset
  • And more

Module 2: Your Current Financial Standing

After this module, you will have a clear understanding of your current financial situation so you can take action and move forward. When you know where you currently stand, you can make the decisions necessary to move forward the right way.

In this Module, you'll learn:

  • How to assess your current financial situation
  • How to categorize your finances by assets and liabilities
  • How to complete a high-level and detailed review of your finances
  • And more

Module 3: Your Target Financial Standing

Throughout this module, you will create a realistic budget that helps you manage your money and reach your financial goals. Learn Raya's process for properly allocating your income to your bills, expenses, spending, savings, and goals.

In this Module, you'll learn:

  • Raya's process for properly allocating your income
  • How to decide which financial goal to focus on first
  • How to create a budget that helps you reach that goal (Raya's template included)
  • And more

Module 4: Following Your New Budget

There's more to budgeting then just creating a plan. You have to stick to it! In this module, you'll learn how to create a consistent routine that lets you know where your money goes at all times.

In this Module, you'll learn:

  • How to stick to your budget by tracking your spending (tracker included)
  • How to set up your tracking routines
  • How to handle budget setbacks
  • And more

Module 5: Financial Basics to Put in Place Now

In this module, you will learn how to put a few key financial basics in place that instantly set you up for more money success. Things like investing and retirement, credit monitoring, and proper bank accounts to manage your money.

In this Module, you'll learn:

  • The proper bank accounts to set up to master your budget
  • How to get started with investing, including retirement
  • Ideas to help you make more money
  • And more

Module 6: Sustaining the Money Management Process

Learn how to establish lifelong money routines so you can always reach your goals and budget your money successfully. Money management is an ongoing process, so the right routines will keep it an active habit for your life.

In this Module, you'll learn:

  • How to assess your budget progress every month
  • When and how to move on to the next financial goal
  • Daily habits for long-term money success
  • And more

To top it off, you'll also get access to these bonuses to help you keep all the money momentum going!

Bonus #1: Weekly Live Group Coaching Calls (valued at $897) 

Each week there will be a live Q&A call with Raya (your money coach) to answer any questions you have throughout the course modules and lessons.

This is a great opportunity to ask your questions and hear what other students are asking as well! The live schedule will be released early, so you can mark your calendars!

Bonus #2: Private Students-Only Facebook Group (valued at $497)

This course is exclusive to women JUST LIKE US! That means you get your own private students-only Facebook group so you can connect with like-minded women who are also working on their Financial Freedom journey!

There's nothing like the extra accountability that comes from others going through the same thing as you!

Bonus: How to Take Control of Your Money Workshop (valued at $197)

You'll also get instant access to my live workshop that walks you through everything you need to know and have in place to finally feel in control of your money.

This workshop will get you prepped, primed and ready to fully dive into everything you'll learn in the Money Management Mastery program!

Sign me up! I need this!

Are you ready to achieve financial freedom and your dream life?!

Join the Money Management Mastery for Working Women Program for as little as $197 today!

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✹ Is there a money-back guarantee? âœ¹

Yes! I want to make sure that Money Management Mastery for Working Women is the missing link between where you stand right now with your money and where you should be with successfully managing it.  

Because of that, I'm giving a FULL 15 days (2 modules) to put in the work and see how far you've come. If you can show me the work you've put in after that time and still feel like it's not what you are looking for, then ​​I'll give you a refund of your investment. You can review full terms and conditions here.

Are you ready to achieve financial freedom and your dream life?!

Join the Money Management Mastery for Working Women Program for as little as $247 today!

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Enroll in Money Management Mastery for Working Women now!

I'm Ready!

So, what are your alternatives?

You pay nothing and don't sign up for Money Management Mastery for Working Women.


The “free” alternative that actually costs more than you think: You could keep sifting through books, blogs, Facebook posts, webinars, eBooks, or worksheets and then put it all together.

But how many hours will that take you? Multiply that by the number of hours you’ve already spent trying to figure this out on your own and you get at least one month's salary. Not to mention, isn't time more of what you want

You pay a lot more and hire a professional Finance Coach or Financial Advisor.

This sounds tempting...

Because you’ll have someone who has to figure out all of it for you. Right? Wrong.

You’d still have to do all of the work you’d do in Money Management Mastery for Working Women around gathering numbers and learning about your options - and then pay your Financial Coach!

My one-on-one coaching program is $2397. 

Or, you could take Money Management Mastery for Working Women.

Seriously, it starts here. If you can't master the money you make right now, you won't be able to master more money that WANTS to come your way.  

YES! I'm ready to sign up!

Hi! I'm Raya, and I once struggled with my own money...

I, myself, have gone through the trials and tribulations that come with a lack of budgeting experience.  

I was living in a big, expensive city, and I wanted to enjoy life. I took trips, I dined out, I bought designer duds. Then, I couldn't pay rent.  

I literally walked to my apartment door and faced an eviction notice. Pay in 3-days or get out. Crap. I got paid in 5 days.  

This was my wake-up call. All of the "FUN" I had could not save me from being evicted. If I only put aside my rent money BEFORE going on a girl's trip. I was able to get the rent money and didn't get evicted.

Mind you...I have a Bachelor's Degree in Finance, and I still found myself in this terrible financial position.

After that, I got my sh*t together. I started working overtime. I stopped going out to eat. I got a roommate. I shopped in my closet. I started writing my expenses down.  

I created an excel spreadsheet that outlined my expenses. I made sure priorities came before anything else.  

Then, I lost my father and had to move back home.  

Only now, my expenses reduced dramatically. I was no longer breaking even, I was at a surplus.

I was learning to master the money I made.

I started putting everything extra towards my debts.

I paid off thousands of dollars worth of credit card debt in just over a year.

Once the debts were gone, it was a whole new ball game. I had a small emergency fund, then a big emergency fund.

I'm on track to retire with over 1 million dollars.

I was able to start my business, save for retirement, take 1-2 international trips a year (without using credit cards), and feel the weight of debt and poor budgeting lift off my shoulders. I turned things around, and YOU CAN TOO.

If you feel that you will never get out of debt, or you can't control your spending, or you will always be in the same, terrible spot, I have news for you: THERE IS A WAY OUT.

If I can do it, YOU CAN DO IT!

I'm not saying there's an easy way out (what are the odds of winning the lottery, again?), I'm saying there is a strategy you can follow to get out of your hole and breakthrough financially.

I am in the best place I've ever been financially, and it's only up from here.

Now, it's your time.

"What I liked best about the program was Raya's willingness to explain or answer any questions that you may have.

I also really enjoyed Module 4 because it forces you to create a detailed tracker.

You get a look at what you spend every day which is crazy yet helpful."

"I liked that there were modules once a week which helped keep me on track and stay focused on my financial goals. I think module 4 was most helpful, after finally getting through module 3 (super helpful) it was nice to make a plan and really see how to execute the budget as well as seeing where I had been spending too much in the past."

So, what are you going to do?

There's not much more to say at this point. You only have 2 choices to make...

You can do nothing...and be in the same, frustrating financial position next year, feeling confused about where all of your money goes each pay period...

Or you can enroll in Money Management Mastery for Working Women and finally, experience progress in your overall financial situation and see real results with the money you make.

This is for me! Sign me up!

Enrollment Closes In









Are you ready to achieve financial freedom and your dream life?!

Join the Money Management Mastery for Working Women Program for as little as $197 today!

Pay in Full


Pay in Full

Payment Plan

3 Monthly Payments of


3 Payment Plan