Simply put, Tonia is awesome. Knows her stuff, cares about people really finding financial freedom & creating a structure of managing your money in the way that works for you, to grow, invest and to have your own personal play fund. To do, enjoy and experience what you make money for anyway. You own personal fulfilled. Why :). Mine is I want to spend 1-2 months a year in Hawaii. Thank you Tonia. Love & gratitude, you rock darling!!