Toni Goins entered into motherhood her first year in college. She met with a banker at a local bank to get help with a financial strategy. To her surprise the banker discarded her and advised that based on her limited income she did not qualify to speak with a financial advisor. Toni made the decision at 19 years old that she would someday create a company where people would have access to the right financial information that would change the trajectory of their lives. As a young mom Toni struggled with being able to provide her children with quality housing and healthy food options and relied on public assistance. While she attended college, she worked two jobs and started multiple small businesses to bring in additional income. Toni’s children became her driving force. She focused on her own personal, educational, and career development to ensure she could provide the best life possible for her children. Toni’s career spans over 20 years of experience in banking and financial services. She is the owner of Rich Girl Consulting, owner of Rich Girl Flips, co-owner of L2 Candle Bar, author, speaker, and mentor. Toni is passionate about providing financial game plans to families that are overlooked in banking and financial services. She is living proof that with the right mentorship, faith, and work ethic, you can elevate yourself and others.