Our Story - Tiny steps

About Tiny Steps to Riches

I walked out of the building where I'd spent over 20 years of my life, knowing in my heart it was my last day.

How Small Financial Choices Create Life-Changing Freedom

Updated September 7, 2025

If You've Ever Felt Behind With Money

If you've ever felt like everyone else got a money manual you never received, you're not alone. If budgeting feels like punishment and financial advice sounds like another impossible to-do list, I understand completely.

Because I was you.

The crowds rushed past me as they always did, but everything felt different. I was three weeks away from giving birth to my second daughter—the baby I'd fought 12 rounds of IVF to have. The baby whose father I'd divorced a year earlier when I realized I was carrying the financial burden alone, getting no emotional support during the loneliest journey of my life.

I made my way to Port Authority, just like I had thousands of times before.

But as I sat on that bus, looking out the window at the city lights, I took the deepest breath I'd taken in years and whispered to myself: "You got this."

The next day, October 29, 2021, around noon, I closed on a home.

Not just any home. Our home. The place where my daughters and I would start fresh—where mommy wouldn't have to leave at 5 AM or come home at 2 AM after closing down a restaurant.

This wasn't reckless. This wasn't a leap of faith built on hope alone.

This was the culmination of tiny steps I'd been taking for years—steps I'd taken without even knowing what they were building toward.

Let me rewind and show you how we got here.

I grew up between two worlds. Born in Liberia, raised in Ghana by my aunts while my parents worked tirelessly in America to build something better. When I was 13, I joined them, carrying with me the quiet strength they'd planted in me overseas.

My father, Joe D., was different from many African fathers. He didn't try to mold me into what tradition expected. Instead, he raised me to be free—to be myself. He gave me the gift of knowing I could stand on my own two feet.

And because of that, I did.

In December 2007, I bought my first condo. Less than 500 square feet. 3.5% down on $137k. I was so proud of myself, but I was simultaneously shaking as I signed all those documents, wondering if this was the right move. My father had co-signed for my car, but this? This was just me.

Then 2008 happened. My home dropped in value. I was underwater.

But I still needed a place to sleep.

The quiet habits that saved me started small.

In 2007, I automated everything. My 401k. Signed up for Mint. Started tracking money without even thinking about it. It was $20 at first, then $50—amounts so small I'd sometimes forget I'd set them up.

I wasn't cheap. I lived in New York, enjoyed the city. But I always knew where my money was going, even when I wasn't actively watching.

Those tiny automations became my floor. My foundation. My quiet rebellion against scarcity.

When I opened a Betterment account in October 2016, I put in $1000 and automated $50 monthly. I named it "F U Money" without know

Then real life hit harder than I expected.

Two miscarriages. Twelve rounds of IVF starting at age 36. A marriage that couldn't withstand the weight of what we were going through.

There were no viral moments in my story. No glamorous hustle.

There were just ten-hour workdays, standing on my feet, commuting three hours daily to work in Times Square's heart.

There was injecting myself with fertility medications in restaurant closets between handling customer complaints.

There was my sister and mom, stepping in financially when my husband couldn't keep a job.

There was a decision, after the divorce, that whether child support came or not, my daughters would explore life, not just survive it. They would have dance classes, science camps, and wide-open dreams.

Because freedom wasn't just about money.

It was about the life we could build together—even if no one else showed up.

Those tiny steps I'd been taking? They became my lifeline.

When I needed to leave that job, when I couldn't bear the thought of bringing my newborn daughter into the same cycle that had me injecting medications in dark closets—I had options.

Not because I was perfect with money. Not because I followed some guru's 47-step system.

But because I'd been quietly building. Automating. Choosing small freedoms that compounded into something bigger than I'd ever imagined.

By October 2021, I could walk away from two decades of security and close on a home the next day. I could pay $50k over asking price and put 20% down. Not because I was rich, but because tiny steps had created something powerful.

Today, my spicy 3-year-old touches my face gently in the morning just to make sure I'm near.

She doesn't know that mommy used to leave before sunrise and come home after midnight. She doesn't know about the years of fighting for her existence, the closet injections, the fear that maybe this life we dreamed of would never happen.

She just knows that mommy is here.

And that changes everything.

This is why Tiny Steps to Riches exists.

Not because I have all the answers. Not because my journey was perfect.

But because I lived proof that small, consistent choices—choices you might not even notice you're making—can create profound freedom.

I see you, standing where I once stood. Carrying the weight, making the choices, wondering if it's enough.

It is. You are.

You don't need a dramatic transformation. You don't need to have it all figured out.
You just need to take the next tiny step.

What Makes Us Different

We're not another financial "challenge" promising overnight results.

We're a calm, structured path back to financial self-trust.

We are faceless by design. In a world where personalities often overshadow purpose, we chose a different path. This isn't built around a single face—it's built around YOU. Your journey matters more than ours. Your story takes center stage.

Our approach focuses on:

You won't find 100-item to-do lists or overnight promises here. You'll find a steady hand, gentle structure, and tiny, repeatable wins that build momentum over time.

This Is for You If:

You're ready to rebuild or begin again with your money
You want a path that fits real life, not Instagram fantasies
You believe financial freedom isn't just about numbers—it's about peace, choice, and legacy
You're tired of financial advice that feels like another thing on your to-do list
You know that small, consistent choices matter more than dramatic gestures

You don't have to be perfect. You just have to be willing to take the next right step.

What Guides Us

Tiny Steps to Riches is grounded in values that aren't just slogans—they're the soil where everything we create is planted and grown:

Progress Over Perfection Tiny steps matter more than giant leaps.

Clarity Creates Calm Financial peace begins with understanding where you are and where you're going. —

Support Without Shame Growth flourishes where compassion lives, not judgment.

Legacy Starts Now Every tiny step creates ripples for future generations.

Calm Is a Strategy In a noisy world, peace becomes your superpower.

Your Next Step

Tiny Steps to Riches isn't just a program—it's a quiet revolution—and you're already invited.

We're here to walk beside you, as you rebuild your relationship with money, one tiny, powerful step at a time.

Because when a woman understands money, everything changes.

For her. For her children. For generations.

And it all starts with one step.

For her. For her children. For generations.

Ready to begin your journey?

In memory of Joe D. You gave me the strength to be me. I will pass it on to my daughters and to the world.

About Tiny Steps to Riches

I walked out of the building where I'd spent over 20 years of my life, knowing in my heart it was my last day.

How Small Financial Choices Create Life-Changing Freedom

Updated September 7, 2025

If You've Ever Felt Behind With Money

If you've ever felt like everyone else got a money manual you never received, you're not alone. If budgeting feels like punishment and financial advice sounds like another impossible to-do list, I understand completely. Because I was you.

I made my way to Port Authority, just like I had thousands of times before.

But as I sat on that bus, looking out the window at the city lights, I took the deepest breath I'd taken in years and whispered to myself: "You got this."

The next day, October 29, 2021, around noon, I closed on a home.

Not just any home. Our home. The place where my daughters and I would start fresh—where mommy wouldn't have to leave at 5 AM or come home at 2 AM after closing down a restaurant.

This wasn't reckless. This wasn't a leap of faith built on hope alone.

This was the culmination of tiny steps I'd been taking for years—steps I'd taken without even knowing what they were building toward.

Let me rewind and show you how we got here.

I grew up between two worlds. Born in Liberia, raised in Ghana by my aunts while my parents worked tirelessly in America to build something better. When I was 13, I joined them, carrying with me the quiet strength they'd planted in me overseas.

My father, Joe D., was different from many African fathers. He didn't try to mold me into what tradition expected. Instead, he raised me to be free—to be myself. He gave me the gift of knowing I could stand on my own two feet.

And because of that, I did.

In December 2007, I bought my first condo. Less than 500 square feet. 3.5% down on $137k. I was so proud of myself, but I was simultaneously shaking as I signed all those documents, wondering if this was the right move. My father had co-signed for my car, but this? This was just me.

Then 2008 happened. My home dropped in value. I was underwater.

But I still needed a place to sleep.

The quiet habits that saved me started small.

In 2007, I automated everything. My 401k. Signed up for Mint. Started tracking money without even thinking about it. It was $20 at first, then $50—amounts so small I'd sometimes forget I'd set them up.

I wasn't cheap. I lived in New York, enjoyed the city. But I always knew where my money was going, even when I wasn't actively watching.

Those tiny automations became my floor. My foundation. My quiet rebellion against scarcity.

When I opened a Betterment account in October 2016, I put in $1000 and automated $50 monthly. I named it "F U Money" without know

Then real life hit harder than I expected.

Two miscarriages. Twelve rounds of IVF starting at age 36. A marriage that couldn't withstand the weight of what we were going through.

There were no viral moments in my story. No glamorous hustle.

There were just ten-hour workdays, standing on my feet, commuting three hours daily to work in Times Square's heart.

There was injecting myself with fertility medications in restaurant closets between handling customer complaints.

There was my sister and mom, stepping in financially when my husband couldn't keep a job.

There was a decision, after the divorce, that whether child support came or not, my daughters would explore life, not just survive it. They would have dance classes, science camps, and wide-open dreams.

Because freedom wasn't just about money.

It was about the life we could build together—even if no one else showed up.

Those tiny steps I'd been taking? They became my lifeline.

When I needed to leave that job, when I couldn't bear the thought of bringing my newborn daughter into the same cycle that had me injecting medications in dark closets—I had options.

Not because I was perfect with money. Not because I followed some guru's 47-step system.

But because I'd been quietly building. Automating. Choosing small freedoms that compounded into something bigger than I'd ever imagined.

By October 2021, I could walk away from two decades of security and close on a home the next day. I could pay $50k over asking price and put 20% down. Not because I was rich, but because tiny steps had created something powerful.

Today, my spicy 3-year-old touches my face gently in the morning just to make sure I'm near.

She doesn't know that mommy used to leave before sunrise and come home after midnight. She doesn't know about the years of fighting for her existence, the closet injections, the fear that maybe this life we dreamed of would never happen.

She just knows that mommy is here.

And that changes everything.

This is why Tiny Steps to Riches exists.

Not because I have all the answers. Not because my journey was perfect.

But because I lived proof that small, consistent choices—choices you might not even notice you're making—can create profound freedom.

I see you, standing where I once stood. Carrying the weight, making the choices, wondering if it's enough.

It is. You are.

You don't need a dramatic transformation. You don't need to have it all figured out. You just need to take the next tiny step.

What Makes Us Different

We're not another financial "challenge" promising overnight results.

We're a calm, structured path back to financial self-trust.

We are faceless by design. In a world where personalities often overshadow purpose, we chose a different path. This isn't built around a single face—it's built around YOU. Your journey matters more than ours. Your story takes center stage.

Our approach focuses on:

You won't find 100-item to-do lists or overnight promises here. You'll find a steady hand, gentle structure, and tiny, repeatable wins that build momentum over time.

This Is for You If:

You don't have to be perfect. You just have to be willing to take the next right step.

What Guides Us

Tiny Steps to Riches is grounded in values that aren't just slogans—they're the soil where everything we create is planted and grown:

Progress Over Perfection Tiny steps matter more than giant leaps.

Clarity Creates Calm Financial peace begins with understanding where you are and where you're going. —

Support Without Shame Growth flourishes where compassion lives, not judgment.

Legacy Starts Now Every tiny step creates ripples for future generations.

Calm Is a Strategy In a noisy world, peace becomes your superpower.

Your Next Step

Tiny Steps to Riches isn't just a program—it's a quiet revolution—and you're already invited.

We're here to walk beside you, as you rebuild your relationship with money, one tiny, powerful step at a time.

Because when a woman understands money, everything changes.

For her. For her children. For generations.

And it all starts with one step.

For her. For her children. For generations.

Ready to begin your journey?

In memory of Joe D. You gave me the strength to be me. I will pass it on to my daughters and to the world.

Tiny steps. Big legacy. Always.

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If you've ever felt like everyone else got a money manual you never received, you're not alone. If budgeting feels like punishment and financial advice sounds like another impossible to-do list, I understand completely.

Because I was you.

You don't need a dramatic transformation. You don't need to have it all figured out.
You just need to take the next tiny step.