Melissa Jean-Baptiste thought she was doing all the right things when it came to her finances, but after trying to secure a loan to buy her first home, she quickly realized the reality. She wasn’t doing anything, learning how money truly operated, or how to use it as a tool. Fast forward, and Melissa now helps other millennials build generational wealth through debt management strategies, passive income and investing, and a communal digital space to start their debt-free journey.   So do you want to know how Melissa paid off $102,000 in debt on a New York City teacher's salary? And how you can also plan for an early work optional retirement? Tune in and find out!   KEY POINTS: Why Melissa began her money journey How to pay off debt with other financial goals in mind Pivoting your budget throughout your journey Melissa’s ultimate money hack Is a side hustle always a good idea?   QUOTABLES: “Sit down with that money. Look at what you have. Look at where you want to go and push past the discomfort.” - Melissa Jean-Baptiste “You can use money to leverage a lot of different things that can lead to more money, lead to property assets and growing wealth.” - Melissa Jean-Baptiste   GUEST RESOURCES: Melissa Jean-Baptiste millennialindebt.com IG | instagram.com/millennialindebt  Get Your Copy of So...This Is Why I'm Broke - https://amzn.to/3OYCnIc   Have career and leadership development questions? Email Kimberly at [email protected] Learn more about Kimberly Brown and download a free career strategy template at kimberlybonline.com  Read the book “Next Move, Best Move: Transitioning Into a Career You’ll Love” at nextmovebestmovebook.com   Follow Kimberly on social media: IG | @kimberlybonline - instagram.com/kimberlybonline FB | facebook.com/kimberlybonline  Twitter | twitter.com/kimberlybonline LinkedIn | linkedin.com/in/kimberlybonline  Your Next Move is edited by Instapodcasts (visit at instapodcasts.com)