Lily Nwora is a personal trainer and founder of Dresses & Dumbbells have been featured on multiple news, media, and print outlets. Lily paid off $70,000 over 3 years and knocked out $40,000 in 2018 alone!  Welcome! [:] Tell us a bit about yourself Registered dietician and personal trainer and acquired some debt Mainly student loans [:] What financial hurdles are you most proud that you have overcome? Lifestyle creep was hard when she started making money and wanted a big apartment You’re (almost) always going to have some living above you so if it’s in an apartment building or basement, it doesn’t make much difference. [:] What link do you see between physical fitness and financial fitness? Consistency Having a set plan Setting a deadline Putting in place a plan that you’ll actually stick to! [:] What was you plan to pay off debt? Lily didn’t make a plan and was enraged when she discovered how little went to her principal payments Started listening to Dave Ramsey and started paying off extra each month (over 3 times!) [:] Give us a 60 second elevator pitch about your workouts. Platform to empower women to be strong and have a strong mindset [:] Value link round: Want to lower the monthly interest off of your debts? Check out chainofwealth.com/refinance. [:] What does your saving and retirement plan look like? Investing in a 401k and doing the match Roth IRA Saving 3-6 months of expenses as recommended by Dave Ramsey Extra streams of income [:] What are some favorite books you can recommend? Podcast: Dave Ramsey Podcast Book: First Steps to Wealth by Dani Johnson [:] A favorite quote? If you don’t ask you don’t get [:] Parting piece of advice? Just start, things are not going to be perfect Support this podcast at — https://app.redcircle.com/shows/11f32da4-3081-471f-bf51-ea341b89ab1d/tip