Gutsy Black Girl

I’m Tomika Flowers, a Licensed Clinical Social Worker and Financial Educator who’s conquered $86,000 in debt—including credit cards and student loans—while achieving an 800+ credit score. I’ve paid off every cent, sold my home, and have lived debt-free without a car loan for nearly eight years. How many people do you know who’ve walked away from a divorce with their finances stronger than ever? It’s all about mindset, making bold decisions, and embracing risks.

My journey to financial freedom wasn’t easy. I’ve worked overtime, driven for UberEats, Instacart, and DoorDash, held two jobs at once, and even taught as an Adjunct Professor—all while climbing out of financial chaos. But it wasn’t always this way.

At just 15, my mom introduced me to credit cards without teaching me the importance of managing balances. With my first Goldsmith’s credit card, I started swiping—and spiraled into years of credit card addiction, maxing out eight credit cards well into my 30s. I even paid them off once, only to max them out again.

Today, I’m making gutsy moves, taking control, and driving my financial future. I’ve made the tough choices, taken calculated risks, and now, I’m on a mission to help others do the same. If you're ready to take bold steps and rewrite your financial story, I’m here to guide you.