THE OCTOBER REPORT

Welcome back, Wealthy Girls. 

I have to be honest with you. I haven’t been saying everything I want to say because I don't want to trigger you. I didn’t even realize I was doing this until recently, and once I did, it hit me hard. By holding back, I’ve actually been doing you a disservice. In 2017, I shared my story of paying off $36,000 of debt in 18 months. Back in 2019, I shared a wild, uncomfortable, bold goal of wanting to become a millionaire by the time I turned 27.

I shared my complete story of paying off all my debt. And then for four years, I gave quarterly updates of my net worth on my journey to becoming a millionaire. I shared the numbers. The mindset shifts. The breakdowns and breakthroughs. I let you in on every step of my journey to building wealth from scratch. Then, in the spring of 2023, I hit that goal. I became a millionaire. But since then?

I haven’t shared a single net worth update. I haven’t talked about the next goals I’ve set. I haven’t even whispered the bigger goals I’m chasing.

So today, I want to talk about why that is, and call out the money beliefs that have crept in and tried to convince me to keep playing small.

The limiting money beliefs I bought into after hitting $1M:

• “My goals are not realistic. If I share it, people won’t relate.”

• “Wanting more feels greedy. I should just be grateful and be quiet.”

It’s wild because these are the same thoughts I had at 22 years old, when I paid off $36,000 of debt in 18 months. And guess what? Sharing that story changed everything.

It launched this company. It reached hundreds of thousands of women. It inspired a financial ripple effect I’ll never be able to measure.

But imagine if I hadn’t told that story. If I had decided, “No one will relate to this.” If I had let guilt or shame or fear of triggering someone keep me silent?

How dare I.

How dare I shrink my desires instead of sharing them.
How dare I gatekeep what’s possible because I don’t want to be triggering.
How dare I pretend there’s a limit to what’s acceptable to dream of and the impact of that dream.
How dare I treat desire like it’s a liability instead of the catalyst for impact.

So let’s talk about it. 

I didn’t stop growing financially after I became a millionaire. In fact, I became a multi-millionaire. My net worth is now over $3 million, and my next milestone is to hit my retirement goal of $8 million. My retirement goal isn’t to actually stop working– I freaking love working. My “retirement” goal is to be work-optional to the point where I could, at any time, live off of my investment portfolio instead of active income if I wanted to. 

This is my goal I’m working toward, and yet I haven’t shared it at all in the last 2 years. Why? Because I was telling myself a new version of that same story that I told myself back in 2018: "This is too much. People will judge you. It’s not safe to want more. It’s too unrelatable to share.”

But the truth is that sharing your stories, your desires, and your ability to go after them freely can be incredibly expansive and inspiring. So, I’m done shrinking. I’m done filtering my success to make it more comfortable. I’m done pretending that playing small helps anyone. I’m done pretending that still having the goal, but staying quiet about it, helps anyone.

The goal isn’t just more money. It’s becoming the version of myself who can receive more without guilt, without fear, without apology– knowing that going after big goals amplifies the things I care about. 

Because I do know this...
The more I receive, the more good I can do:
For my family.
For my team.
For women around the world.
For the causes I care about.
For the life I want to keep building.

And I want the same for you.

So, what story are you telling yourself that’s holding you back?

Is it…
“This goal is too big.”
“I should just be grateful for what I have.”
“What if people think I’m greedy?”
“What if I fail? What if it isn’t possible?”
“What if I succeed and can’t handle it?”

If your big dream came true tomorrow, would your body and mind feel safe receiving it? Or would you sabotage it because deep down, you still don’t feel like it’s okay to want it?

Wanting more doesn’t make you ungrateful. Going after more doesn’t make you too much. Your desire is not a threat; it’s a way to inspire you to take action toward a goal that impacts more lives than your own.

You’re being called to expand. And expansion is uncomfortable. But staying small? That’s not your path.

Whether your big goal is to bring in millions more or to finally pay off one credit card, you are allowed to want what you want. You are allowed to go after it boldly. You are allowed to talk about it, share it, own it, and live it. Because your courage gives someone else permission. Your progress isn’t just yours. It’s part of the ripple effect. So don’t let your old stories or inherited beliefs keep you playing a game that no longer fits the woman you’re becoming.

Let’s rewrite the story. Let’s normalize overflow. Let’s get louder. Let’s get bolder. Let’s stretch our nervous systems to match our potential.

Let’s freaking do it.

xo,

Chloe 
Wealthy Girls Club President 

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Check out a preview of what's to come... It's a juicy one! 

💎 Wealthy Girl State of the Union
🤎 Mood of the Month
📋 Chloe’s REPORT (Having hard conversations, how we talk to ourselves matters, all things prenups, opening up about leaving a toxic relationship, why we should be more annoying, checking your investments, and more!)
💵 You deserve to make more money: Here’s how to ask for it
🍸 Everything you need to know about ordering a martini 
🏡 Q&A: Is there such thing as a 401k HYSA for homebuying?
📈 Stock market status, interest rate news, and tariff updates
💳  Premium credit cards with premium benefits (and premium fees)
☕️ Is our morning brew going to feel the impact of tariffs?
👩‍⚖️ New legislation surrounding women’s financial independence
🏛️ How the government shutdown impacts women in need and what you can do to help
💰 Are DSCR loans the secret weapon for funding your short-term rental?
🏆 Holding ourselves (and other women) to impossible standards
🛒 You aren’t spending enough on groceries
🧳 When you arrive but your luggage doesn’t: Protecting your bag and your bank account when you take to the skies
🔥 The hot seat: How one wealthy girl uses inspired interior design to stop the scroll and start the bookings for short-term rentals
🎯 Your October Challenge