We focus on helping women increase financial wellness and provide impactful personal development education for women to have healthy relationships with themselves and money, so they can use money to create an impact
We focus on helping women increase financial wellness and provide impactful personal development education for women to have healthy relationships with themselves and money, so they can use money to create an impact
“The best mental health exercise you can do at home is to practice awareness. We are hearing a lot about mindfulness and meditation right now and awareness is the core of that. Awareness gives us feedback on our current state and the ability to decide what we want to do. It can elevate your mood and make challenges more manageable. Practice awareness first in your body. I call it getting out of your head and into your body. What are you feeling and where are you using your senses to support your practice. Do this for 1 minute and extend the length of time as you progress.” -Jacent Wamala, LMFT
“The wandering into the debt like you mentioned is really just that lack of awareness of what's really going on. When you use a card, it’s different that when you use cash, most of us use cards these days. We don't realize that it's like death by 1000 cuts. Each swipe is like another cut. If you don't have a budget and you don't have a plan, then that's what it could turn into.
There's a difference in your experience, right? So when you pay with cash you realize that there’s a separation in that transaction between you and money that you have earned that you have to give away for something to be given to you. There’s research to suggest that using a card? There's less pain. Using your phone? There's less pain. Now it's like you can pay with your retina, pay with whatever. They're making it easier for us to pay for things so that we will pay more. People typically end up paying more for things and spending more using cards and their phones and things like that, than they would if they were to use cash.
So that's how you wander in because you just don't even realize that that’s marketing. Like there's schemes around this, and it's them being really good sales people, for us to spend as much money with them as possible. There’s no way that you're going to be able to get out of the debt or to save a certain amount of money or to buy a house or whatever. Like any goal! To me, it's about more than money because the steps that were used can be applied to any aspect of your life. So it's really about raising your awareness like I mentioned. Like I had to see that there was something that could change and then accept it. So if I were to just say, ‘Oh woe is me! I'm a victim of the student loan crisis and here's my life now,’ and not accept responsibility or ownership, then I can't do anything! But if I take ownership, then I’m empowered to have some influence in the process.” -Jacent Wamala, LMFT
“From a very young age I wanted to serve, and I think that everything at the end of the day has to do with service. The times where I led myself on my own path and thought-- I don't want to be serving people-- it didn’t work out. I always got led back to service, and we can't avoid serving in our work and in our relationships. That's what we're here to do, and so it's my life's mission. I really feel like this is what I'm here for is to serve, and then specifically the way I'm supposed to serve is continuing to kind of reveal itself as we go. So I’m like, oh this is what I'm supposed to be doing! You think that you're supposed to be doing one thing, and life kind of shows you, well go to the left a little bit, go to the right, and you start to see more and more where your place is. It fills me with joy.
Again, I got an email this morning that she paid off her debt, paid off all her credit cards--she's got only her car left. I have another person who just wrote a testimonial for me who paid off $30,000 in like 4 months. I'm just like-- I'm not doing their work for them, but I guess me sharing my story or me being where I'm supposed to be in my process is helping them to be where they're supposed to be. I come from a collectivistic culture. I'm African so it takes a village; it is not just about children. It takes a village for moms, it takes a village for dads, it takes a village for communities to thrive. If we're all kind of doing what we are called to then it works like a well-oiled machine.” -Jacent Wamala, LMFT
“Anxiety is pervasive, excessive worry and fear. The way that I break it down to clients is saying that when we think of negative things happening in the future and we’re concerned about that, it can make us nervous and worried, but when you get stuck kind of over-playing these what-if scenarios and feelings of uncertainty, it leads to anxiety.” -Jacent Wamala, LMFT
“Everyone is stretched thin these days. Don't do yourself or your partner the disservice of holding a grudge in this uncertain season. Many of us are not on our A game at the moment and that's okay, as long as we are doing our best.” -Jacent Wamala, LMFT
“There are multiple options for paying off debt and getting in control of your life. Finding the right plan for me was key. I saw debt getting in the way of my destiny. My why was what kept me motivated to continue because for a time I worked 3 jobs 7 days a week. I am first-generation so I seek to honor those who sacrificed for me and leave a legacy for my nieces, nephews, and future children. So when I looked up and had a master's degree and was broke, it was a hard pill to swallow, to say the least. I made less than $20,000 in 2016 and had to increase my income in order to be able to pay down my debts. Thankfully after 8-9 months of applying for additional jobs, I landed a position that tripled my income overall. It took humility, discipline, commitment not to give up because I wanted to quit many times. To get in the driver's seat of my life, I had to address things that had nothing to do with money. This is why I am so passionate about helping anyone interested in learning more about what's getting in their way.” -Jacent Wamala, LMFT
“What did you have to give up in the short term for long term success?” -Nsima Inyang & Brian Bulaya
“I had to re-evaluate my mindset around money. I always grew up saying, “I’m not good at math,” or whatever the case may be. Or I came up with excuses as to why I couldn’t budget like, “Oh, I’m not good at budgeting.” And all that has to do with your mindset and what you believe you’re capable of or of learning. So I had to confront my mindset, and then I had to practice discipline, essentially.” -Jacent Wamala, LMFT
“I was born in Uganda, but raised in Las Vegas. By profession I’m a mental health professional, so I have a private practice that works with women of color on anxiety, depression, trauma recovery and life-- because life is challenging. I also coach, so I see clients that are either in or out of state. I taught at the University of Nevada, Las Vegas for 5 years in the classes of Personal Growth and Development, Multicultural Issues and Families, and Successful Couples. I trained the clinicians in the graduate program there. I wear a few different hats because I like to keep myself busy.
In the process of my own personal finance journey, really just kind of getting to the point after a series of losses-- I'm going through what I call a grief storm-- that I came to and recognized kind of the wreckage from that storm, which was over $70,000 worth of student loan and credit card debt. I recognized that I had a decision to make. I could keep going down the path that I was going, knowing what that would look like, or decide to try something different and see what happened. It was really what led us here, to having this conversation now-- just deciding that I wanted to be out of debt because it was not me living the life that I know I deserve and desire.
I stuck to the plan that I created and it yielded good results. In the process, I shared on social media and other people were motivated and inspired by me and my journey. I started my journey for myself, I didn't think anyone would really care much or anything like that. I think maybe sometimes we are given our experiences to support other people's growth as well, you know? First it transforms us and then it can help to transfer other people!” -Jacent Wamala, LMFT
“(i) Women who are never broke take good care of themselves. There is a direct correlation between the value you place on yourself mentally and monetarily.
ii). Women who are never broke know how to be honest with themselves. This makes it so they can make adjustments when necessary to their plan.
iii). Women who are never broke practice foresight. Foresight leads to financial success. She looks ahead to see where she wants to be and comes back to the moment to do what is in her power to make progress toward that goal.” -Jacent Wamala, LMFT
(Regarding a child’s knowledge of money and finances). “How much ownership do you think should be on the parents?” -Jay’s World
“It’s so tough because people only do what they know how. Parents literally are doing what they know how-- what was passed down to them and what they were given. However, I think that there has to be a certain place as a parent where you seek to evolve and grow past what you think you know. So I think that parents also need to be open to learning and growing and evolving in their parenting skills and as an individual so that they can set their kids up for things maybe they never had or knew. So if it's not you, then you need to be reading books, you need to be listening to podcasts, you need to be getting around people who you see are teaching their kids the things that you would want your kids to know so that you’re able to set them up appropriately.” -Jacent Wamala, LMFT
“What are some of the different problematic mindsets or relationships that we have with money? What are the most common ones that you see?” -Kacie Main
“Most commonly seeing money as evil, but money is an inanimate object, right? It's pieces of paper with dead people's faces on them. We give an association, we give meaning to, everything based on our experience, interaction, and association to that thing. So what happens is, really early on in our lives, we watch people and we hear people and we experience ourselves ways of interacting with everything. But money is one of those things that maybe it was our parents, maybe it was family members, maybe it was stuff we saw on T.V., maybe it was at school, maybe it was a combination of all of those things, that we hear certain things or saw people handle things in a certain way that created this association for us. So sometimes it's not blatant and direct, sometimes it's covert and kind of flying under the radar- that we create these beliefs or that we pick up these beliefs about money. What’s troublesome about that, is that when we don’t re-evaluate that relationship what happens is-- exactly what you said is what happens-- there is an energetic block placed in your ability to continue to grow and scale and evolve because what we come from and where we are birthed out of is abundance, love, peace, prosperity, and that is our innate nature.” - Jacent Wamala, LMFT
“Awareness is the foundation for change and progression, with decision-making and consistency as the pillars contributing to long-term success.” -Jacent Wamala, LMFT
“In the process of getting my Master's degree in Marriage and Family Therapy, having gotten married just prior to going into graduate school, then subsequently getting divorced briefly after that, and losing my father during the same year--2014-- I kind of found myself dealing with a lot of grief. Anyone who has had a serious loss or a series of serious losses kind of knows that fog that you live in for a period of time where you know life is moving forward but you’re kind of standing still. In that time where I was standing still is when I also accumulated a lot of debt. I knew I never wanted to go into debt originally, but because I failed to have a plan by my early twenties, I fell prey to society’s kind of vision for how you're supposed to do things. Society says you have to get a degree, a degree is going to get you a job, the job’s going to get you security and the family and the whole gamut. There are a lot of things left out in that story in society’s view of how to do life. And so I was faced with recognizing that at 26 when I realized that, you know, I have a master's level education and I was dead broke.” -Jacent Wamala, LMFT
“Jacent Wamala is a licensed marriage therapist servicing women of color. The Las Vegas native was surprised when she was approached for her first influencer campaign in 2018 — she had only 2,000 followers on Instagram at the time — and was compensated for it.
Little did Wamala know that the client’s interest in her was part of what is now the marketing industry’s next big hope for success: Black influencers.” -Joshua Eferighe
“I actually just got off the phone with one of my best friends and we were talking about how often times the hardest things in life accompany some of the greatest things in life. And so-- not to diminish you know how challenging this year has been in the devastating experiences and things happening-- but at the same time it's also been, maybe on the other side, just as refreshing, right? Like an abundance of time with family or an abundance of ability to rest or to focus on your goals in a whole different way. I get the blessing of opening up my DMs on a daily basis and getting text messages on a daily basis of young people that are really rocking it in their personal growth and personal finance journeys during this pandemic because it's helped them, this forced adaptation, where they had no choice but to slow down to look at things and to be intensely focused on making progress toward their goals.” -Jacent Wamala, LMFT