“Where in the WORLD is all of my money going!?” you groan to yourself as you reluctantly glance at your banking account.

Here come those all-too-familiar, uncomfortably painful feelings: failure and shame.

Why? Because your next paycheck won’t land for another two weeks, and you’re already running low on funds.

Again.

On paper, you make good money -- maybe even more than your parents brought in!

You’ve worked hard to get where you are. You’re smart. You’re driven. You hustled to get that education, and you put in SO much time and effort when it comes to your career.

But based on the state of your money right now, you wouldn’t know it.

That makes your financial situation all the more frustrating.

Like most other members of our generation, you probably have some student loan and credit card debt. Rent, transportation and those miscellaneous expenses aren’t getting any cheaper, either.

And let’s be honest -- you like nice things! You work hard -- what’s so wrong with wanting to treat yourself to an outfit that makes you feel like Beyonce, an elegant dinner out, or a relaxing weekend away with friends every now and then?

But.

You’re so over having to resort to credit cards for essential purchases because it always seems like you have more month than money.

You’re tired of being hit with that punch in the gut every time you look at your checking account balance and wondering, “What happened here? I JUST got paid this week…”

And a retirement account? You know you need one, but, ummm, you don’t even have a short-term emergency fund yet, much less a plan in place for the long haul.

There’s so much you want to do, but you just can’t afford it.

Imagine how great it would feel if you could...

✓ Say goodbye to your financial stress
✓ Stop feeling like you never have enough money
✓ Leave relying on credit cards for everyday essentials in the past
✓ Find a system that makes it easy to know what bills to pay when
✓ Build a budget that works WITH you to meet your unique short-term and long-term goals
✓ Get simple strategies for savings, retirement, and debt repayment
✓ Build or repair your credit - Finally, be able to afford to go on vacation
✓ Buy your dream home
✓ Feel hopeful and excited about your financial future
✓ Set -- and actually accomplish -- money goals

The 3 real beliefs that are keeping you spinning on the hamster wheel of debt, inadequacy, and scarcity:

#01

“I’m never going to have enough money.”

A huge part of achieving long-term financial success is your mindset about money. You are totally not alone if living paycheck to paycheck is leaving you feeling like there’s never enough. BUT. If you feel like you make good money “on paper” but never have enough for your actual life, you probably don’t have a money problem -- you have a budgeting problem.

Also? If you’re ever going to get out of this constant feeling of lack, it’s essential to rewrite your negative money stories and replace them with positive money stories. Big shifts happen when you’re ready to take ownership.

#02

“I’m never going to be able to have the lifestyle I want and manage my money properly.”

You don’t need a trust fund, a rich auntie, or a boyfriend with a house in the Hamptons in order to be able to have the lifestyle you want. I promise.

The way you’re living right now -- relying on your credit cards to get you through the month, feeling weighed down by your debt, stressing over your lack of an emergency fund, envying your friends when they buy gorgeous houses, and resenting your colleagues for their fancy vacations -- it’s so easy to feel like there’s never enough. I get it!

But once you start to see progress when it comes to shifting your mindset, fixing your budget, paying off your debt, having money left in your account, and being able to spend money on the things you want? That “I’ll never be able to earn enough for the life I want” feeling is going to melt away.

#03

"Nothing works for me long-term.”

You’re a smart person and a quick learner -- that’s why you’ve read just about everything money-related you can get your hands on. You’ve even tried a few recommendations from popular money gurus. While you saw some minor improvement in the short-term, nothing really stuck long-term.

The truth is, mastering your finances takes consistent, ongoing maintenance. Your budget and your goals will require regular tracking, check-ins, and updates. If you want your money strategy to work long-term, you have to take action and stick with it long-term.

Hey, Hey, Hey!

I'm Nikkia Carter

Creator of Money Reset, Money Coach & Budgeting Expert

Women come to me when they’re ready to elevate their lifestyles and get clear on their money goals.

Instead of keeping up with the Joneses, I teach them how to be the Joneses -- all with a simple plan that makes the impossible possible. The women I work with go from anxious and burdened with debt to saving more than ever while still taking vacations, living in their dream homes, and rewriting their family’s money legacy.

My interest in money started back when I was 18. I tried to rent an apartment and was denied for having terrible credit.

From there, I became an unstoppable research machine. I read and tried everything I could get my hands on. I learned that so many people -- especially young, Black women like me -- don’t have the necessary foundations to maintain the lifestyles we want. We work hard and we like nice things… and so many of us are never taught how to manage our money.

Discipline was not the issue. People like me simply needed a realistic blueprint.

So I got to work creating my own fun, easy-to-follow plan for budgeting and money management with certain pillars designed to decrease anxiety and increase stability: budgeting, debt repayment, savings, and homeownership.

It worked… and it continues to work. Over the past decade, I...

✓ Went from having a credit score of 450 and living with my mom at age 18 to being a first-time homeowner at the age of 23
✓ Paid off more than $185k in consumer debt
✓ Bounced back from medical bankruptcy
✓ Earned an MBA and Master's in Communication
✓ Raised my credit score to 750
✓ Bought my Dream Home

What sets me apart? I’ve truly lived this. I don’t have a sponsor, and I’m not some finance bro -- I’m a regular person, just like you. But here’s the really exciting part: when friends and family noticed my success and started asking for tips and tricks, I noticed that my system worked for them, too.

To date, I’ve taught online and in-person money workshops for over 100 families. Now, I’m bringing the opportunity to see inside of this simple, sustainable system to you, too.

ARE YOU READY TO GO FROM ANXIOUS, BURDENED, AND IN DEBT TO EMPOWERED, FREE, AND WEALTHY?

What's Included:

  • 9 Learning Modules


    That lead you step-by-step through the key fundamentals of taking control of your money management, credit score, debt repayment, savings, and planning for homeownership

  • 18 Actionable Tools


    Including worksheets, calculators, and exercises to help you take action and dig deeper into what you’re learning in the course

  • Live Coaching and Q&A

    4-weeks of live coaching and the MR Community to ask questions, get feedback, and join discussions with other course members

Course Curriculum

    1. Welcome to Money Reset!

    2. Expectations, Program Agreement, Course Asset Recap

    3. {Join} Private Facebook Group

    4. How to Submit Questions

    5. Join Weekly Coaching Call

    1. {Watch} Money Goals Video Lesson

    2. {Demo} Money Workbook

    3. {Download} Moneyl Reset Money Workbook

    4. {Example} Money Goals

    5. {Do} Create Money Goals

    1. {Watch} Your Money Inventory Video Lesson

    2. {Download} Money Inventory Checklist

    3. {Watch} Money Triggers

    4. {Example} Money Inventory

    5. {Do} Complete Money Inventory

    1. {Watch} Understanding Your Money Personality Video Lesson

    2. {Read} 5 Money Personality Types: Which One Are You? Article

    3. {Quiz} Find Your Money Personality

    4. {Download} The Money Method Workbook

    1. {Watch} Expenses Video Lesson

    2. {Demo} Budgeting Shell

    3. {Review} Budgeting Shell Demo

    4. {Download} Fixed vs. Variable Expenses Workbook

    5. {Watch} Lifestyle Creep

    6. {Do} Create Your Budgeting Shell

    1. {Watch} Reaching Your Goals with Goal Math

    2. {Poll} Mid-Way Checkpoint

    3. {Do} Update Budget Shell

Bonuses...

This program is already PACKED with value, but when you join now you’ll also receive the following BONUSES…

  • Tithing 101: Doing it God's Way

    “Tithing is faith in action.” If you’re a person of faith and tithing is important to you, this guide will help you incorporate tithing into your overall financial plan.

  • Homeownership 101

    Did you know it takes about 2 years of planning to be financially ready to buy a home!? Homeownership 101 will help you go from renter to homeowner without the usual stress, delays, and setbacks.

  • Stopping the Financial Hemorrhage

    If you’re spending more than you’re making, consistently turning to credit cards for basic living expenses, and almost always finding yourself with more months than money, this guide will help you course correct.

  • Insurance 101

    Expert insight on what coverage you absolutely must have, non-essential extras you might be able to skip, and how to get the most for your money.

  • Generational Wealth Building Guide

    Your blueprint to building and maintaining generational wealth so that your family’s money legacy officially changes with you.

  • Credit 101 & Credit Letters

    Legal strategies for increasing your credit score and sample letters to send to the credit bureaus to remove inaccurate information.

Say What!? Real Results from Past Students

“I grew up seeing my parents make terrible decisions and I also made bad choices in my 20's. Nikkia's course was the push and clarification I needed. I especially liked the shell method. Nikkia's course took the thorns out of managing my finances and taught me that it can be an easy process with the right system in place. At 35, I closed on my first home in December 2019 and I couldn't be happier. This course was def worth the money!”

- Jessica J.

“My experience... is changing my entire family’s life. I have been in the workforce for 20 years and never felt like I wasn't living check to check, although I know I am making more money. This course is buying me a house, taking my family on vacations, helping me to cover health expenses, and finding ways to make my money work for me. Although it has a price tag it is truly priceless… Changing someone’s way of thinking on something can be hard but most times it’s worth it to get them to see the light and I feel like someone finally helped me see some of that light.”

- Kesha M.

“I didn't realize how much my personal goals were weighing on me. After taking this course I'm confident and clear now more than ever on how to achieve my money goals. The big financial goals I've dreamt about for years seem so attainable and realistic now. ”

- Keyonna P.

“I highly recommend Ms. Nikkia Carter. I participated in her "Budgeting" class. All I can say is "minimal investment - maximum results." She is very knowledgeable and her delivery was easy to follow as she offered multiple options and addressed how to modify the information to get the most positive results for your personal situation.”

- Mollie D.

“My husband and I joined a First Fruit virtual budgeting seminar in 2018. We were in the middle of financial chaos. The tips that Mrs. Carter taught us gave us a new lease on life, to say the least. Mrs. Carter’s energy was so motivating and her tips were easy to follow. We left that seminar and immediately started getting our finances in order. Fast- forward to 2020 and we are now able to start the home buying process and we have a savings. Thank you Mrs. Carter!”

- Roerica K.

Frequently Asked Questions

  • When does the course start?

    Enrollment/Registration opens July 2025. This 4-week Group Coaching course will begin in January 2025. Modules are released on Sunday at 8 am CST and will be dripped WEEKLY.

  • How long is the program?

    The program is 9 modules delivered over 4-weeks. You will have access to the first module after our kickoff call. After that, one new module will be released each week.

  • Who is this course a good fit for.

    This course is a good fit for anyone who does not feel confident in managing their money, doesn't know where to start with budgeting, or those who make "good money on paper" but that is not translating to their lifestyle. People who need a budgeting refresher, need help accomplishing their money goals, or need a new money mindset, will also benefit from the course.

  • When will I have access to the material?

    You’ll have access to Module 1 starting September 2025. The remaining modules will be released each week. You will have LIFETIME access to the course materials.

  • How much time should we set aside per week?

    Every individual will go at their own pace, but you should expect to set aside 1-2 hours per week to complete each module. The majority of that time will be spent on compiling and organizing your personal information.

  • How do I ask questions or get feedback during the program?

    We will have (4) weekly, one-hour live coaching calls facilitated by Nikkia. Before those calls, you will be able to submit questions to be answered during the call. Those calls will be recorded so you can watch or rewatch them at your leisure.

  • What if I don't like the course?

    My goal is for you to leave better than you came. I want you to get long-term results, and I truly believe The Money Reset will change your life. That’s why I’m proud to offer a money-back guarantee.

    If, within 14 days of the kickoff call, you feel like Money Reset isn’t the right fit for you, simply send in your proof of work for the first 2 modules, and we’ll refund your money.

  • Does this course guarantee results?

    No, it would be illegal and unethical for me to guarantee your success. Your dedication, execution, financial situation, and consistency will determine your success.

    I have designed the course to intentionally guide you through creating your budget. At the end of the course, you will have a complete 12-month budget with your Money Goals, fun, and lifestyle in mind. So all you will need to focus on is executing or pivoting your budget.

  • What can I expect after taking this course?

    You can expect to have a different money mindset and tangible tools on how to manage your money. At the end of the 4-weeks, you will have a working budget that allows you to create your money management plan for the next 12 months. You will also have your money goals built into your plan and know how to pivot your budget if need be. Lastly, Nikkia will show you the steps she used to become a homeowner at 23 and again at 37 as well as how she paid off over $140k in debt in under 2-years.

Questions About Next Steps?

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