A Clo Bare Money Coach student success story
She was eight months pregnant, unemployed by choice, living in a studio apartment with her boyfriend, and staring down $47,000 in combined debt. Two years later, Amber had paid off $16,000 in credit card debt, her car loan, moved her family into a two-bedroom house, started investing in her 403(b), opened a 529 for her son — and she’s on track to have somewhere between $1.2 and $1.5 million by retirement. Here’s how it happened.
Where Amber Started
Amber thought she was good with money. She had a decent credit score. She paid off her credit card — and then used it again. She saved — and then spent the savings. It was a cycle, and she knew it.
Then 2022 hit all at once. She was in her last year of her bachelor’s degree. She was pregnant. She’d left her job for the first time in a decade. And she was living in a tiny studio with her boyfriend, watching her debt climb even as she tried to do everything “right.”
She’d been following Clo for a long time before that. When it came time to decide whether to invest in the Lazy Investor’s Course, she was going deeper into debt, not out of it.
She bought the course anyway.
“Even though I was going more and more into debt, I was like, I trust her. I’m going to take the chance.”
The Results: By the Numbers
| Before | After |
|---|---|
| $16,000 in credit card debt | Paid off in full |
| Car loan | Paid off in full |
| $0 invested | $8,000+ in her 403(b) |
| No college fund | $5,000 saved in her son’s 529 |
| No brokerage account | A few thousand in an individual brokerage |
| Studio apartment | Two-bedroom house |
| Hourly wage | $20/hour raise |
| No plan for retirement | On track for $1.2M–$1.5M by retirement |
By Amber’s own math, that’s close to $30,000 in new assets and paid-off debt in under two years — on top of a $20-an-hour raise and a home upgrade.
“You explained it — this is how rich people get rich. They invest their money. And I was so glad that I found a teacher like you that actually wanted to help. You weren’t just trying to sell your class. You really do help.”
The Unique Angle: She Did This Unemployed and Pregnant
Most people wait for the “right time” to get their finances together — a bigger paycheck, a quieter season of life, less on their plate. Amber didn’t have any of that.
She started the course while unemployed by choice, finishing her bachelor’s degree, pregnant, and living in a studio. Two weeks after graduating — eight months pregnant — she landed a new job. The next month, she had her baby. Three days after that, her family moved into a two-bedroom house.
“It all worked out because of your class, because I was able to keep track of my expenses, I was able to budget, I was able to really get it together even though it was a crazy time.”
The Part That Goes Beyond Money
Amber’s wins weren’t just financial. Getting her money in order shifted something deeper — she described moving from a mindset of scarcity to one of abundance, and said it gave her more confidence not just around money, but in the rest of her life too.
Last month, Amber was in a car accident that wiped out her emergency fund. It would have been easy to feel like she was starting over.
“But you’re not starting over. You have the skills now. You have money invested. You’re not starting from zero.”
Even after rebuilding from the accident, Amber is still on track to hit her retirement number — because the habits and the accounts were already in place.
Is Clo Bare Money Coach Worth It? Amber's Answer
Amber went from cycling through debt with no plan, to paying off $16K, investing in three separate accounts, and landing a raise — all while navigating one of the hardest years of her life.
“This class is worth way more than you’re selling it for, honestly.”
Watch Amber's Full Story
Ready to Start Your Own Story?
👉 Register for my free class to learn more: https://www.thelazyinvestorscourse.com/masterclass
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Clo Bare Money Coach helps women build wealth through simple, automated, buy-and-hold investing — no financial advisor, no stock-picking, no market-timing required. Read more student stories at clobare.com/clo-bare-money-coach-reviews.
