Meet Cindy

On a mission to help you find financial freedom . . .

In 2015, I graduated law school and had landed my dream job at a prestigious Am Law 100 firm. Having grown up in a low-income immigrant community, I was eager to enter this new phase of adulthood. I was convinced that my law degree and new role as a commercial litigation attorney would automatically unlock the door to financial success. It didn’t. I had no savings, no investments, mediocre credit, and generally lacked control over my spending. But it was my massive amount of debt—nearly $215,000—that pushed me to get a hold of my finances. So as any good millennial, I turned to the internet….

I vividly remember typing “How do I get out of debt” into Google in hopes of finding the key out of my situation…

But most of the personal finance advice that I initially came across was outdated, one dimensional, and, honestly, quite judgmental. After scouring books, YouTube videos, podcasts, and blogs, I found exactly what I was looking for. I came across personal finance content created by women that was engaging, relatable, and educational. This new world of knowledge exposed me to the strategies, guidance, and support that I needed. I learned how to budget, save, invest, build my credit, and, of course, how to efficiently pay off my debt.

In 2018, I created my Instagram account @zerobasedbudget to share what I was learning while documenting my journey to become debt free. I built an engaged and supportive community, which I lovingly refer to as my “ZBB Fam.” I started offering low-cost budget coaching services to help people improve their money management skills while reaching their unique goals. Speaking of goals, in December 2019, I submitted my last student loan payment. Exactly 4 years after starting my journey, I became 100% debt free!

Since becoming debt free, I have built a platform that is committed to inclusive financial education. I have spoken to thousands and coached hundreds on budgeting, saving, debt payoff, investing, credit, building generational wealth, and more. In 2022, I wrote a book—Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth—to help you achieve the same.

Thank you for taking the time to learn more about me and my work. I invite you to explore my website to see how we can best work together!

Cheers to financial freedom!


Awarded as Alumni Champion, Stony Brook University, 2023
Selected for 40 Under Forty by Stony Brook University, 2022
Listed in The Best Lawyers in America’s Ones to Watch, Commercial Litigation, by Best Lawyers, 2021
Selected to the Leadership Council on Legal Diversity, Pathfinder Program, 2020
Named a Top Latino Leader Under 40 by Prospanica New York, 2019
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Financial Freedom. Generational Wealth. Both are ready for you. Take the first step and learn how to achieve them.