This isn’t a book about budgeting—or some internet get-rich-quick scheme wrapped in Instagram quotes. It’s not about hustling harder, manifesting your way to millions, or following a one-size-fits-all plan. Instead, this book is grounded in real-life stories of women who dared to reimagine how they work, reclaim their time, and restore their lives. It offers a practical, compassionate roadmap for financial sovereignty—without the spreadsheets, shame, or startup capital you’ve been told you need. Whether you’re raising kids, rebuilding after a setback, or just ready to stop being the last item on your own to-do list—this is your guide to building a life you don’t need to escape from.
Chapter 1: What Women Really Want
Through the lens of the ancient tale of Lady Ragnell, this chapter explores the fundamental truth that what women truly desire is the ability to make their own choices—whether in career, motherhood, or financial independence. But not just the freedom to choose—but the power to do so without guilt, shame, or apology. You’ll explore the emotional toll of trying to “have it all” and learn how to reclaim a life that actually feels like yours.
Key Points:
The historical and cultural forces shaping women’s choices
The battle between societal ambition and authentic ambition
Why financial freedom is about creating more options, not just more income
Chapter 2: How We Get Stuck
You’re not imagining it—there are invisible forces keeping women stuck. This chapter introduces “Financial Bondage 101” and shows how debt, time poverty, and emotional labor quietly erode your power to pivot. You’ll also learn how life’s “Shit Happens” moments (like divorce, illness, job loss) reveal the fragility of our traditional financial safety nets.
Key Takeaways:
Debt, dependence, and lack of options keep women in survival mode
“Shit Happens” moments can become catalysts for clarity
Financial planning must include both logistical and emotional contingency
Real-World Voices:
Case studies of women navigating career disruptions, caregiving demands, and unexpected detours
Chapter 3: Buckle Up, Buttercup—Changing How You Think About Money
You can’t change your bank account until you change your beliefs. This chapter offers three essential mindset shifts that move you from stress and shame into strategy and sovereignty. You’ll learn how to stop seeing money as a scoreboard—or a threat—and start using it as a tool for freedom.
Key Takeaways:
Living below your means isn’t deprivation—it’s leverage
Investing is how wealth is built—not a reward for already being wealthy
Financial power is about alignment, not austerity
Includes:
A powerful mindset exercise to help you rewrite your money beliefs
Chapter 4: We All Need F-You Money—Calculating Your Freedom Baseline
How much money do you actually need to feel secure and in control? This chapter introduces your Freedom Baseline—the minimum amount that lets you make decisions from a place of power instead of panic. You’ll learn how to calculate it, reduce it (if needed), and build toward it intentionally.
Key Takeaways:
Your Freedom Baseline is more powerful than your salary
Lowering your cost of freedom expands your future options
Why emotional security is just as vital as financial security
Case Study:
Meredith and Scott’s bold choice to downsize for peace and possibility
Includes:
A worksheet to calculate your personal Freedom Baseline
Chapter 5: How to Make Money 101
Most of us are taught there’s only one way to earn—by working. This chapter reveals the three ways money is made and how to move from income-based survival to asset-based freedom. You’ll explore earning paths that work with your life, not against it.
Key Takeaways:
The three income paths: 1) Trading time 2) Building assets 3) Creating systems
Owning income-generating assets—not just earning more—is the freedom unlock
You don’t have to be “business-minded” to move through these phases
Case Study:
Caitlyn’s journey from overworked freelancer to confident asset-owner
Includes:
A visual map of the income quadrant + an exercise to chart your path forward
Chapter 6: Savings Is Not a Four-Letter Word
Think saving is boring or impossible? Think again. This chapter flips the script—showing how saving can be a form of emotional self-care, future-proofing, and personal power. Forget budgeting guilt. Instead, you’ll discover creative strategies to build a financial buffer without spreadsheets or stress.
Key Takeaways:
A daily spending cap is more empowering than a rigid budget
Rechanneling small impulses adds up to big reserves
Freedom doesn’t come from restriction—it comes from resourced choice
Includes:
10 bite-sized saving hacks
Strategies tailored to different life stages—from single to parenting
Chapter 7: Bringing It All Together—How Money Flows in Your Life
Understanding how money moves through your life—where it comes from, where it goes, and how to redirect it toward freedom—is critical. This chapter introduces the Three Financial Loops and how to transition from survival mode to wealth-building mode.
Key Points:
The Three Financial Loops:
The Survival Cycle (The Debt Trap)
The Work-to-Spend Cycle (Stagnation Loop)
The Freedom Cycle (Building the Money Machine)
Designing a life of financial independence and authenticity
Case Study:
My story: How I built a Money Machine that funded a three-year adventure in Bali
Includes:
A full-page visual of the Three Loops + journaling prompts to rewire your financial flow
Chapter 8: Rethinking Risk
Forget everything you've been taught about what’s “safe.” This chapter challenges the myth that traditional employment is the most secure path—and reveals the hidden risks that come from not taking ownership of your income. You’ll learn how to make smarter decisions by balancing emotional safety with long-term opportunity.
Key Points:
here are three types of risk in financial decision-making—and only one is truly dangerous
Playing it safe often leads to invisible instability
The most secure plan is one where you have control
Case Study:
A corporate escapee who realized that job security was an illusion after a surprise layoff
Includes:
A personal risk profile tool to help you clarify what you’re really afraid of—and why
Chapter 9: Choose Your Own Adventure
There’s no one-size-fits-all formula to building freedom. This chapter helps you compare the real tradeoffs between employment, solopreneurship, and business ownership. No hype. No hustle culture. Just grounded guidance to help you pick the path that actually fits your goals, energy, and season of life.
Key Takeaways:
You can build financial freedom in many different ways—choose what fits you
Solopreneurship offers control but can come with ceilings
Business ownership isn’t always more work—it’s a different kind of investment
Real-World Voices:
Paula’s move to Spain with a location-independent career
Maria’s creation of a cleaning collective to support single moms
Abigail’s fresh start after divorce through niche business ownership
Includes:
A comparison chart of models with real pros, cons, and questions to ask yourself
Chapter 10: Be the House
In Vegas, the house always wins—and the same logic applies to money. This chapter explores how owning the system (rather than being a player in it) creates the most powerful and scalable path to time and financial freedom. You’ll learn why entrepreneurship isn’t about doing everything, but about designing something that works for you.
Key Takeaways:
Business ownership creates leveraged income—not just more hours to trade
The best entrepreneurs don’t hustle harder—they build smarter
Buying or building a business can let you get paid twice: once for your time, once for the system
Case Studies:
A divorced mom who started a motorbike rental business in her small town
An astrology solopreneur who turned her gift into a platform
The female founders of heywell beverage and what their journey reveals about scale
Chapter 11: The Advantage of Buying Cash Flow Up Front
Why start from scratch when you can buy something that’s already working? This chapter breaks down why buying an existing business can be the fastest, smartest way to create income and freedom. You’ll learn how to assess whether a business is truly healthy—and how to make it work for your life, not someone else’s.
Key Takeaways:
Buying existing cash flow is a shortcut to profitability
Business ownership can offer both stability and upside
When done right, ownership can provide more security than employment ever could
Case Study:
Cathy’s leap into business ownership after burnout—and how it paid off
Includes:
A side-by-side comparison of business vs. real estate investing returns
Chapter 12: Why You Can't Buy a Million-Dollar Home But You Can Buy a Million-Dollar Business
Most people assume they could never own a million-dollar asset—You probably already qualify. This chapter explains how financing works for business purchases—and why it’s far more accessible than you think. You’ll learn about seller financing, SBA loans, and how creative deal structures can open doors without a trust fund.
Key Takeaways:
Banks are more likely to finance a business than a luxury home
You can buy a business with far less money than you’d expect
The right deal isn’t about price—it’s about terms
Includes:
Two side-by-side purchase comparisons: A house vs. a business
A seller financing breakdown that demystifies this powerful tool
Chapter 13: Finding the Right Opportunity—Analyzing Risk and Reward
A good deal isn’t just about the asking price—it’s about the underlying value. This chapter gives you the financial fluency to evaluate whether a business is actually worth buying. You’ll learn the difference between EBITDA and SDE, how to compare cap rates, and how to factor in qualitative red flags.
Key Takeaways:
EBITDA tells you how profitable a business is; SDE shows you what you can actually take home
Cap rates help you compare opportunities across different industries
Numbers matter—but so do customer loyalty, market trends, and how the business fits you
Case Study:
A bakery vs. grocery store comparison that walks through how real investors make decisions
Includes:
A deal evaluation worksheet and financial cheat sheet you can actually understand
Chapter 14: Assembling Your Inner Team—Breaking Free from Limiting Beliefs and Rewriting Your Money Story
Financial success isn’t just about numbers—it’s about overcoming the hidden narratives that hold us back. This chapter dives deep into the mindset blocks and identity patterns that keep women from claiming financial leadership. It introduces powerful inner archetypes—from the visionary Magician to the self-sacrificing Martyr—and helps you identify which ones are running your financial life (and which ones need a promotion).
Key Takeaways:
Your money patterns aren’t just habits—they’re stories you inherited
Inner work is essential if you want outer results
Your creative, strategic, and action-driven selves need to work together
Archetypes Explored:
The three positive archetypes that drive success:
The Magician (Visionary thinking)
The Creator/Artist (Skilled expertise)
The Warrior (Execution & follow-through)
The archetypes we need to transform:
The Innocent (Avoids financial responsibility)
The Fool (Takes impulsive financial risks)
The Martyr (Sacrifices their financial well-being for others)
Case Study:
Sarah’s journey from financial fear to confident business owner after rewriting her internal script
Includes:
A FREE online quiz to map your own Inner Team
Chapter 15: Assembling Your Outer Team—You Can’t Do This Alone
No major financial move happens in a vacuum. Whether it’s analyzing a business, structuring financing, or negotiating a deal, you need a team of experts in your corner. This chapter covers how to find and assemble the right external advisors.
Key Points:
The non-negotiable experts every business buyer needs:
A business-savvy accountant
A small-business-friendly attorney
A lender who understands business acquisition
How to find the right team: Red flags, green flags, and where to look
Why hiring the cheapest professional is often the most expensive mistake
Chapter 16: Buying Right—How to Structure and Negotiate a Smart Deal
It’s not just what you buy—it’s how you buy it. This final chapter walks you through real-world tactics to structure a deal that works for you. You’ll learn how to negotiate terms, protect yourself from common traps, and make sure the business you buy is aligned with the freedom you’re building—not another job in disguise.
Key Takeaways:
Price is just one part of the puzzle—terms and structure matter even more
Seller financing and staged payments can create win-win deals
Fit, transferability, and ease of stepping in are critical
Case Studies:
Laura’s boutique hotel deal—and why she paid more but got more
The gluten-free bakery that looked great on paper but failed in practice
The business that was profitable—but emotionally exhausting
Includes:
A five-step “litmus test” for deal readiness
The #1 mistake most buyers make—and how to avoid it
Building a Better Future—One Business at a Time
This isn’t just about personal financial freedom—every business a woman owns has the power to reshape work culture, create better jobs, and empower others. This chapter highlights how women business owners are redefining success—not just for themselves, but for those they employ and support.
Key Points:
Real-world examples of women who built businesses that prioritize fair wages, flexibility, and equity
Why business ownership isn’t just personal—it’s systemic change
How to use **business as a tool for impact
Herman Hesse once wrote:
“My story isn’t sweet and harmonious like invented stories; it tastes of folly and bewilderment, of madness and dreams—like the lives of all people who no longer want to lie to themselves.”
When I left the corporate world, I had no idea the twists and turns my life would take. Would it have been easier if I had stayed at the bank and put my kids in daycare? Maybe. Or, more likely, I would have faced a different set of challenges. The truth is, there’s no one perfect path—only the one that’s right for you.
My journey wasn’t always easy, and neither will yours be. But if you’ve made it to this point in the book, I hope you now see that there is another way forward. That financial freedom and time freedom aren’t just dreams—they are possibilities you can create.
I want this book to inspire you, but I also want you to know that hard moments will come. The path to designing a life that gives you both financial security and autonomy isn’t always smooth. But even in the hardest moments, there is a force working on your behalf.
Years ago, in a moment of exhaustion and doubt, I received an email from my former Kundalini yoga teacher, Guru Singh. He wrote about a dragonfly called the wandering glider—a creature that has set the record for the longest insect migration, traveling over 11,000 miles.
What makes this dragonfly unique is that it doesn’t fly it glides on thermals at altitudes of 20,000 feet, feeding on aerial plankton along the way. It doesn’t arrive at its destination exhausted and depleted—it arrives energetic and ready because it rides the winds that carry it forward.
When I read that, I cried.
I had spent so many years working, striving, and believing that sheer effort alone was the key to success. It’s how I had always operated—the bootstrap kid from Philly who started working at fourteen; who got on a plane to Hong Kong without knowing a soul on the other end in search of something bigger, the woman who built a business while raising two kids, determined to carve out a life on her own terms.
But at some point, I started wondering: Was I making it harder than it had to be? Could there be another way—one where I didn’t have to push so hard just to keep going?
I didn’t have the answer at that moment, but I had a vision—a belief that I could find a way to arrive well-rested and well-fed, not drained and depleted. That I could create freedom and financial security without burning myself out in the process.
So, I got a tattoo of a dragonfly on my arm as a reminder. And now, whenever I feel myself slipping back into a frantic, fear-based push to make things happen, I look at it and remind myself:
There is another way.
This Is My Wish for You
I don’t know the exact reason you picked up this book. Maybe you’re tired of feeling stretched between work and family. Maybe you want more freedom, more security, more time. Maybe you want to build a legacy that allows your kids to grow up watching their mother fully own her choices.
Whatever brought you here, my wish for you is this:
I don’t want you to feel trapped between financial survival and the life you want.
I don’t want you to feel stuck in a job that drains you.
I don’t want you staying in an unfulfilling, dead or abusive relationship because you feel economically trapped.
I don’t want you to feel like you have to choose between being there for your children and building wealth for your future.
I hope that, through this book, you’ve seen that you do have choices.
You can take control of your time.
You can build something that gives you both freedom and security.
And you can do it without burning yourself out in the process.
I also wish we lived in a world that didn’t put women in these hard places to begin with. This isn’t that world yet. But I believe we can change it—one woman, one family, one business at a time.
And until that time comes, always know this:
Regardless of what the world hands you, you can always make the choice to be free.