Educating & Empowering You to

Achieve Financial Freedom

Zero-based Budget home page image of Cindy with arms crossed.


About Me

In 2015, I graduated law school with over $200,000 of debt. As the daughter of immigrants, born and raised in a low-income community in the Bronx, I didn’t have much financial literacy and was overwhelmed at the thought of tackling my debt. I desired to build generational wealth but, with no real plan for managing my finances, I felt hopeless. I turned to the internet, podcasts, social media, and, of course, books to learn all I could about money.

I started Zero-Based Budget Coaching LLC to document my debt journey and simplify the information that I was learning for my community. Since then, I have become debt free, reached a multiple six-figure net worth, and am on a mission to help millennial women do the same.

Make Your Financial Freedom a Reality!

An essential financial handbook with step-by-step guidance to help you achieve your money goals.

Free Budget Template

Get started on creating your money plan to achieve financial freedom by downloading my free budget template!

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