

Take control of your finances with a practical approach that builds strong habits and helps your money
Build better money habits, understand your finances, and take control with a realistic, proven approach.

Most people aren’t struggling with money because they don’t work hard. They’re struggling because no one ever taught them how money actually works.

How to manage money without feeling overwhelmed
How to stop living paycheck to paycheck
How credit really works and how to fix it
How to build financial freedom without starting over
Most people don’t struggle with money because they aren’t trying. They struggle because they were never taught how money, credit, and access actually work together.
This 3 Day Live Mentorship was created to give you clarity, structure, and a real plan you can follow. Instead of guessing or starting over every year, you’ll learn how to manage your money with intention, save consistently, and use credit as a tool instead of a trap.
Over three focused days, you’ll be guided through the exact systems and strategies needed to move from financial stress to financial control. No hype. No shortcuts. Just real education, real conversations, and real direction.
If you’re ready to stop surviving financially and change your relationship with money this mentorship was built for you.

Access to 3 Days of Live Mentorship & Training
Entry to the Exclusive Challenge Private Group
Daily action steps to apply what you learn
Listen-only access to live Q&A sessions
VIP Background
14-Day Mentorship Replays
Daily Morning Motivational Calls
The Freedom Formula Toolkit

Access to 3 Days of Live Mentorship & Training
Entry to the Exclusive Challenge Private Group
Daily action steps to apply what you learn
Ask questions in live Q&A sessions
VIP Background
14-Day Mentorship Replays
Daily Morning Motivational Calls
The Freedom Formula Toolkit

Access to 3 Days of Live Mentorship & Training
Entry to the Exclusive Challenge Private Group
Daily action steps to apply what you learn
Ask questions in live Q&A sessions
VIP Background
14-Day Mentorship Replays
Daily Morning Motivational Calls
The Freedom Formula Toolkit

This experience gives you practical strategies and clear steps to improve your finances, make smarter decisions, and move forward with confidence

Real Strategies That Work
Learn proven strategies to improve your credit, access funding, build income, and create leverage using systems that work in real life.
Hands On Application
This challenge isn’t just information. You’ll apply what you learn in real time with clear action steps so you can move with confidence.
Support and Accountability
Connect with others on the same journey, ask questions, and stay motivated inside a supportive community focused on progress, not perfection.
Tools and Resources
Get access to practical tools, templates, and checklists designed to simplify your money, streamline your decisions, and help you execute faster
The Freedom Formula is a practical approach to financial freedom. This 3 Day Live Mentorship is designed to help you fix your finances, save money, and fix and leverage your credit so you can stop trading time for money and start creating real opportunities.

Get control of the money you’re already making
You’ll learn how to:
Know exactly where your money is going
Manage money confidently no matter how much you earn
Create a simple system that tells your money where to go
Understand the basics of fixing and managing your credit
Identify and break bad money habits Making money isn’t the problem. Managing it is.

Build wealth instead of just paying bills
You’ll learn how to:
Save consistently without feeling restricted
Stop spending on things that don’t move your life forward
Create financial discipline without burnout
Build momentum with your money
Make your income work smarter, not harder
Saving isn’t about sacrifice. It’s about intention.

Turn credit into opportunity
You’ll learn how to:
Understand how credit really works
Improve and protect your credit profile
Use credit to invest and create income
Build passive income and money in your sleep, not on your feet
Position yourself for opportunities that grow your wealth
Credit isn’t just about a score. It’s about access.
HOW IT ALL COMES TOGETHER
Each day builds on the last. By Day 3, you’ll see how your income, savings, and credit work together and how to move forward with clarity and confidence.

Nicka Johnson is the founder of Budget to Success and a trusted voice in financial literacy, credit education, and financial stability.
Everything Nicka teaches comes from lived experience. Raised in a single-parent household surrounded by financial struggle, she made a conscious decision to break generational cycles. She graduated college, built an 850 credit score, and created long-term financial stability through intentional money management, credit strategy, and real estate investing.
With over 15 years in the financial sector, Nicka has helped everyday people take control of their money, improve their credit, save consistently, and build sustainable financial foundations. Her approach is simple, honest, and realistic—no fluff, no false promises, just systems that work.
To date, she has helped clients save over $7 million and counting. If you’re ready to stop surviving and start building a future you can sustain
Dion Coopwood is an 8-figure coach and entrepreneur who helps business owners scale to six, seven, and eight figures through proven systems, strategy, and execution.
With a deep understanding of business growth, automation, and scalable infrastructure, Dion has guided thousands of entrepreneurs in building businesses that are not only profitable, but sustainable. His approach focuses on clarity, leverage, and systems that allow founders to grow without burning out or trading more time for money.
Dion is known for breaking complex strategies down into clear, actionable steps, helping his clients move from inconsistent income to structured, scalable revenue. His work has helped entrepreneurs build stronger brands, implement smarter processes, and step into higher levels of leadership.
If you’re ready to stop guessing and start building at a higher level, Dion brings the experience, insight, and execution needed to help you scale with confidence.

Get Ready Before Day 1 This is designed to help people show up prepared, not overwhelmed.


How to manage your money no matter your income

How to Save Money Without Feeling Broke

A Budget That Works In Real Life

How Credit Really Works and How to Use It
Challenge Readiness Checklist
This Prep Pack is designed to help you:

Show up prepared

Understand the basics before Day 1

Avoid feeling overwhelmed

Get results faster
This is not required but highly recommended if you want clarity and confidence going into the challenge.



VIP gives you replays, prep tools, and step by step guidance so you don’t fall behind, miss key moments, or leave unsure what to do next.
This isn’t just about attending the challenge. It’s about walking away with a system you can keep using long after it ends.



Access to 3 Days of Live Mentorship & Training
Entry to the Exclusive Challenge Private Group
Daily action steps to apply what you learn
Listen-only access to live Q&A sessions
VIP Background
14-Day Mentorship Replays
Daily Morning Motivational Calls
The Freedom Formula Toolkit

Access to 3 Days of Live Mentorship & Training
Entry to the Exclusive Challenge Private Group
Daily action steps to apply what you learn
Ask questions in live Q&A sessions
VIP Background
14-Day Mentorship Replays
Daily Morning Motivational Calls
The Freedom Formula Toolkit


















This challenge is for everyday people who want to get their finances under control, understand how money works, improve their credit, and build a real path to financial freedom.
Whether you’re living paycheck to paycheck, rebuilding your finances, or ready to move more intentionally with your money, this challenge is designed to meet you where you are.
Yes. You’ll have the option to upgrade to VIP during or after the challenge. VIP spots are limited and typically fill fast, so upgrading early is recommended if you want the added support and replays.
Yes. This is a live virtual 3 Day Challenge hosted online. You’ll receive confirmation details and reminders by email and text message after you register.
Replays are available to VIP participants only. General Access is live-only. If you want access to recordings and bonus materials, upgrading to VIP is recommended.
No. This challenge is designed for real people at all financial stages. You do not need perfect credit, a business, or extra money to get value from this experience.
That’s exactly why this challenge exists. You’ll learn simple systems and practical steps that help you stop starting over and move forward with confidence.

7 Day FREE access to the Financial Foundation Community
VIP Kickoff Call – February 23rd join the exclusive VIP kickoff call to get aligned, prepared, and clear before the challenge officially begins.

disclaimer “NO REFUNDS”
We do not guarantee a specific credit score. Our focus is improving and cleaning your credit profile, which can enhance your overall score over time. Results vary and depend on your participation and individual credit history
© 2026 Freedom Formula . All Rights Reserved.