Hello!  I'm Nicolette.  I have spent over 20 years studying personal finance, and teaching others what I have learned. 

  My desire to learn about money management began as a newlywed when I was seeking ways to stretch our dollar while working part time jobs and putting my husband through school.  This curiosity led to a Master's degree in Family Financial Planning after which I began teaching others what I had learned over years of formal schooling, informal life experience, and trial and error.  My favorite topics are cash flow maximization and value based spending.  Learning is my favorite thing to do, and one of my strengths is taking something good and making it great!  

​

In addition, I am a mom to 4 awesome girls, wife to a super nice husband, and I really love dance, college football, horses and reading!