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November 19, 2025 48 mins

In this week's episode, I sit down with longtime Journeyer and two-time Journey to FI program member Latoya Rowe. Latoya shares how she pivoted into a higher-earning career, discovered financial independence during her grad-school commute, and rebuilt her financial foundation while juggling motherhood, debt, and major life changes. She opens up about the emotional and financial impact of selling her rental properties, how community reignited her belief that FI is possible, and why mindset became the key that unlocked her momentum.

We also talk about the power of visualizing your ideal life, how Latoya is shifting into coaching while reducing stress in her clinical career, and what it really looks like to choose balance and flexibility on the FI journey. Her story is a beautiful reminder that progress isn't linear and that clarity, community, and courage can completely transform your financial path.

In this episode, Latoya and I discuss:

  • How she changed careers and discovered the FI movement
  • Why she sold her real estate and how it freed her financially
  • The mindset and community support that helped her regain focus
  • How visualizing her future inspired her coaching career shift

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