OUR MISSION

Welcome to Maximized Money


...a financial education platform and community dedicated to reshaping how 9-5 earning women handle their finances. We're here to show you how to better manage your current income so you can live life to the fullest, without the constant worry of whether you can afford it.


The Reality Check:


Let's talk about where we are right now...

  • "For every dollar a white man owns, women overall own just 32 cents."

    -Ellevest

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  • "Women are 11.7% more likely to live in poverty than men (9.2%)."

    -National Women's Law Center

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  • "On average, women earn just 84 cents for every dollar men earn."

    -Ellevest

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  • "And 72% of women live paycheck to paycheck, compared to 59% of men."

    -MarketWatch

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These stats are tough to swallow, but they also fuel our mission to change things for the better. There are real (systemic) barriers holding women back from financial freedom, and we’re here to break them down.


Our Mission:


Maximized Money is on a mission to help 10,000 women implement mindful money strategies with their 9-5 incomes. We're here to help you demolish debt, save more, stress less, and invest confidently—without sacrificing the things you love.


We understand the unique challenges that women face in this world. Whether it’s the gender pay gap, unequal opportunities, or societal expectations, these challenges have kept women from reaching their full potential. Our platform is here to help break those barriers down for good.


Our approach is simple: We provide you with realistic, practical knowledge and actionable tools to take control of your finances now, so you can create the life you’ve always dreamed of—without begging for a promotion or waiting for a raise.


Our Vision:


Imagine a world where 9-5 earning women have the freedom to do what they want, when they want – and confidently be able to afford it. The freedom to travel, invest in your dreams, or just chill without constantly worrying about your finances. That’s the kind of life we want to help you build.


With a little help from us, we believe you can use your current income to create the life you’ve always dreamed of. Whether that means paying off debt for good, saving for something big like a house or car, creating affordable luxury experiences, bucket-list style traveling without the high price tag or finally getting the confidence to invest (some of your income) for the future, we’re here to help YOU make it happen.


Our goal is simple: To help you create a life filled with beautiful experiences, aligned opportunities and financial independence—one mindful money strategy at a time.


Don't just take our word for it though:


Hear from some of our Money Girls and their wins......


Join The Money Girl Collective:


Whether you’re just starting to think about your finances or you’ve been working on it for a while, Maximized Money is the resource you need. We’re all about transparent, actionable advice that fits into your busy life. Forget about confusing financial jargon or complex processes—we take it step-by-step and work WITH you to build a money plan that actually works for you.


No more worrying about money.


 No more feeling like you can’t live the life you deserve.


It’s time to make your money work for you, and we’re here to help every step of the way.


Let’s transform your relationship with money together.


We look forward to having you in the community.


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Do you partner with businesses and organizations?

Absolutely! We operate on a hybrid B2C, B2B and B2G impact (and income, hello?!) focused model.


We've partnered with businesses, organizations and government agencies to extend financial literacy to their audiences in the form of speaking, hands-on workshops, curriculum development, promotional campaigns and more.


Below are a few of the organizations we've worked with:

  • Fundrise

    www.fundrise.com

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  • Marcus by Goldman Sachs

    www.marcus.com

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  • Best Friends In Faith

    www.bestfriendinfaith.com

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  • Cultural Preservation Network

    www.culturalpreservationnetwork.com

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  • Blacks in Technology

    www.bithouston.org

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As a Certified MBE, we would be honored to partner with you! Click the link below to get in touch.

CONTACT US MEET OUR FOUNDER

MEET THE FOUNDER

Hey! I'm Joshlyn.
Contrary to most personal finance stories, I wasn’t born into poverty. I grew up in a mixed-race neighborhood with a middle-class family. My mom owned our home and she taught me the importance of financial stability at an early age. In fact, I had a savings account at 16 to put the money that she made me work for (because working builds character, in her words). I had the basics of money management down, or so I thought. But as I matured in age, I quickly realized that not only was her knowledge limited, but it was also a little outdated as times had changed.

My mom came home almost daily and complained about the BS she dealt with on her job. And the more I worked, the more I could relate and eventually feel the same. Statistics show that black women earn 63 cents for every dollar earned by white men, so I knew that I would never earn what I was worth. Nor was it worth the passed-over promotions, office politics, and micro-aggressions. So to compensate for that, I would spend money impulsively because I felt like “I deserved it” - which was not the best idea as I couldn’t even afford the home I wanted (at the time), or cover my bills on my own without a job. 

Though my mom was well-versed in “saving for a rainy day”, she wasn’t as well-versed in investing. Or what I like to call, making your money work for you. And as a young professional, I needed that more than I realized. It was a combination of experiences – such as quitting a toxic job with no real income plan, struggling to purchase my first home, and being laid off unexpectedly – that taught me that having a savings account just wasn’t enough. I needed financial independence. I wanted to earn money without trading my time for it. 

Those 8 months of unemployment were truly some of the lowest days of my life. It was during that time that I realized that my money habits were poor. All the random trips, unplanned happy hours, and lunchtime shopping I did left me with a low bank account. It got to the point where I was dipping into my savings to pay my bills and asking family/friends for money as the state unemployment checks were just not enough. I felt exhausted and helpless - mentally, emotionally and physically.

However, it was also during that time that I decided to reframe my mind and change my spending habits so that I would never have to be at the mercy of an employer (or a limited salary) ever again.

So I did what was most familiar. I worked. I ended up securing 2-3 jobs at that time and I quickly burnt out. It slightly worked because I paid off over $80,000 in student loan debt early, but it came at the expense of my health and my time. I knew there had to be a better way to manage my money and build wealth (which sounded nice, but I really didn’t understand what wealth meant at the time). So I started reading books, listening to podcasts, and expanding my financial education. Two platforms in particular (Wealth Noir and The Budgetnista) were instrumental in providing realistic, relatable, and transparent financial advice that I was able to confidently implement.

Eventually, I purchased my dream home, paid off all of my debt, and started generating monthly passive income within a 2-year time span. It felt good. I felt like I had unofficially given myself a raise because I had more money sitting in my account than ever. And I felt confident enough to start investing and building wealth outside of my 9-5 income. If I had stayed where I was, I would probably still be renting when I always desired to own. I would still be moving money around in different accounts to avoid overdraft fees. I would also still be complaining about not having enough money, or not being confident enough to speak up at work in fear of losing my job. If I had to sum it up in one word, I felt fearless.

And I want all women to feel this way. I envision a world where women aren’t stressing about money because they make smarter decisions with the income they already earn. As a Certified Financial Educator, my goal is to create a safe, open, and honest environment where we can come together and improve our relationships with money. I believe we deserve options and freedom to do what we want when we want, and without worrying about if we have the money to do so. Maximized Money is a place where women are supported, encouraged, and educated in a way that makes sense for the financial struggles that are unique to us. 
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