Penny KiddMoney Life Coach, Pennywise Coaching · Changing Financial Lives So You Can Keep More Money & Stress Less | Speaker | Author | Financial Coach

From $0 Before Payday to $13,000 Saved

9 Apr 2026 · 1 min

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Two people went from having almost nothing before payday to saving $13,000. They paid each other to manage cash flow better and worried less about fees once they got focused. The rapid turnaround came down to deliberate effort.

Well, I will step in to say we were initially pretty concerned about your fee. Yeah. And honestly, like, we— this is really no exaggeration. We went from like, um, at the, you know, the day before payday, we would have essentially zero in the bank. And now we have like $13,000. So we've come a long way in a short amount of time.
Yeah. Yeah. And you paid me. And I paid you. Yeah.
Yes.
Yes. And I appreciate you saying that because people say that to me all the time, like, oh, that's gonna be a lot of money. And how can I afford that? I don't have any money. Yeah. And I don't fully understand it except for that when you focus on something and you want it and you do the work, it comes and it pays you back in spades.