Nobody handed you a manual on how to manage your money successfully...
so here's the manual, the complete financial literacy vocabulary, and the 10 money decisions that make or break your financial life — all free.
The Money Manual is a FREE field guide on the financial foundations nobody taught you — so that money finally makes sense.
And the A–Z Financial Literacy Guide with 72 terms and concepts anyone serious about money must know.
Plus The 10 Money Decisions — the macro-choices that shape your entire financial life, with a concrete action for each one whether they're ahead of you or behind you.
All backed by research and evidence based. All three completely FREE.
Now someone is handing you the manual. Instant download.
Who wrote this
At almost 30 I was $150K in debt with $25 to my name. I hit financial, emotional, and physical rock bottom. I rebuilt from a tiny sketchy apartment above a biker bar, at a 9-5 job on a salary under $100K. Today I'm debt free and my net worth is over half a million - still on a regular salary at a 9 - 5 job.
No inheritance. No shortcut. Just gaining the knowledge I'm sharing with you in this manual.
In my day job I build systems that enable teams to deliver products worth millions — and figured out how to use this skill to transform my personal finances.
I'm Kimika — I help women in a 9 - 5 job become financially harder to break.
Want to get to know me a little more (click here)
WHAT YOU'RE GETTING
3 research-backed, evidence-based guidebooks. All completely free.
The Money Manual — 13 sections covering everything from how to actually read your paycheck, to why debt is designed to keep you paying forever, to why starting investing at 35 still beats never starting. Written by someone who learned all of it the hard way.
Financial Literacy A–Z — 72 terms. Asset Classes to Zero-Based Allocation. Plain language. No jargon. Because you can't build what you can't name.
The 10 Money Decisions that Determine Your Financial Success — the research-backed list of the macro-choices that overwhelmingly determine your long-term financial health. With a "what to do now" for every single one — because knowing isn't enough if you don't know what to do next.
Download all three instantly with only your email address.
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The Money Manual and guides are for educational purposes. No income or financial results are guaranteed.
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Get to Know Me More
Helping you become financially harder to break
At almost 30 I hit rock bottom with $150k of debt, $25 to my name, and no place of my own. I had to rebuild from scratch. It took seven years of intentional grind, real sacrifice, and radical honesty about my own choices — but I became debt free and built a half million dollar net worth on a regular salary (most years making under $100k).
My day job is in the financial sector where I build systems that enable teams to deliver products worth multiple millions — and figured out how to use this skill to transform my own personal finances.
We are being marketed beautiful lifestyles 24/7 and it absolutely affects our expectations, desires, and financial decisions. I think a lot of us are trying to create the feeling of softness and success through consumption… while simultaneously craving actual financial peace and safety.
I'm here to help the woman who is rebuilding like I was or makes enough to get by but not enough to feel free — the one who keeps trying to get her money together but wonders why nothing ever sticks. I am called to help you become financially harder to break by building simple paycheck systems that survive real life and modern financial pressure to spend.
No shame. No get rich quick fantasy. No living like a monk. Helping you build a financially stable life that turns into a financially wealthy life — even if you didn't start perfectly, like I didn't.
I thought fixing my money would just mean paying off debt and being able to have more fun money. What I didn’t expect was how much lighter my life would feel overall. That’s why I talk about money the way I do. Getting good with money didn’t make my life perfect…It just made everything easier to handle. A better experience of life through money. Less stress. Actually feeling in control. More options like building the products I wish existed when I was on my own personal finance journey such as:
I’ve experienced something that changed my life, and it made me financially harder to break. I want help you experience this too.