A Clo Bare Money Coach student success story
Editor’s note: This interview was recorded in June 2025, when Rachel’s net worth had just crossed $550,000. She has continued sending updates since — by April 2026, she had crossed $700,000. We’ve updated this post to reflect her full journey.
If you’ve been researching Clo Bare Money Coach and wondering whether the Lazy Investor’s Course works for regular people — not high earners, not people in tech, not people with trust funds — Rachel’s story is the one I want you to read.
Rachel is a social worker in Massachusetts. She has held the same job for over eleven years. She has no bonuses. She does not work in a high-paying industry. And she lives in one of the most expensive states in the country.
She started the Lazy Investor’s Course in January 2023 with a net worth of around $200,000 — most of it sitting in a savings account, doing nothing.
By April 2026, she had crossed $700,000.
That’s a $500,000 net worth increase in just over three years. As a social worker. In Massachusetts.
Where Rachel Started
Rachel came to me in January 2023 with a pretty specific goal: she wanted to buy a house. She was a single woman living in a one-bedroom apartment, trying to figure out what a down payment would cost her — and whether pulling everything she had saved would completely wipe her out.
She had money. She just had no idea what to do with it.
Almost everything was sitting in a savings account. She had one investment fund that had been set up for her when she was young, but she’d never really looked at it. Once a year a dividend check would arrive, and she’d deposit it into savings. That was the extent of her investing life.
She didn’t have family who could explain any of this to her. She knew she needed to figure out how to make her money work, how to eventually leave her job before 70, and where to even start — but the whole thing felt overwhelming and out of reach.
Then Instagram did what Instagram does, and she started seeing my content.
Why She Chose the Lazy Investor’s Course
Rachel had been consuming personal finance content from a few different people before she landed on the Lazy Investor’s Course. What made her choose it wasn’t a hard sell — it was the free educational content.
She’d learned about high-yield savings accounts from one of my posts. At 31 years old, she had never heard of one. That moment of learning something genuinely useful, for free, with no strings attached, built enough trust that she was ready to go deeper.
She was nervous going in. Really nervous. Investing in the stock market felt risky and foreign — nothing like the savings account world she’d lived in her whole life. But she took the leap anyway.
The Results: By the Numbers
Here is Rachel’s full timeline, in her own words via text updates:
| Date | Net Worth | Change |
|---|---|---|
| January 2023 | ~$200,000 | Starting point |
| August 2024 | ~$400,000 | +$200,000 in 19 months |
| September 2024 | ~$410,000 | Continued growth |
| January 2025 | ~$460,000 | +$260,000 since starting |
| June 2025 | $550,000+ | +$150,000 in one year |
| December 2025 | $650,000 | continued growth |
| April 2026 | $700,000+ | +$500,000 total since starting |
Below are screenshots of texts she sent me in April 2026! Plus a screenshot of her net worth tracker.
“I officially have $395k in investment accounts alone. Total money is over $550k — this is up $150,000 since the last time I sent you my numbers one year ago!! Once I hit $400k in investments I’m gonna re-evaluate my money in my HYSA and move more money over in a few weeks.”
What I love about that message isn’t just the number. It’s that she’s thinking strategically about where her money is sitting and making proactive decisions about how to optimize it. That’s not the Rachel who came to me in January 2023 with everything in a savings account. That’s someone who knows exactly what she’s doing.
The Thing That Makes Rachel’s Story Different
When I tell people one of my students increased her net worth by $150,000 in a single year, I get pushback. I actually had a copywriter tell me it wasn’t believable.
But here’s the context that makes it make sense — and that I want anyone researching Clo Bare Money Coach to understand:
Rachel didn’t just learn how to invest. She also started a photography business.
She had dabbled in photography in 2022 but hadn’t taken it seriously as a business. Around the same time she joined the course, something clicked. The course had shown her that increasing income was one of the levers she could pull — and she realized she could promote herself with something she loved, even if she couldn’t get promoted at her day job.
She declared it a legitimate business about six months after completing the course.
That additional income — invested, not spent on lifestyle — is part of what accelerated her numbers. But the investing knowledge is what made her know exactly where to put it when it came in.
The course didn’t just teach her to invest. It gave her the confidence and framework to build an entirely different financial life.
Surviving Her First Market Dip
One thing I want to address for anyone who is nervous about investing for the first time: Rachel was scared when the market dipped. She messaged me. She freaked out a little.
And then she stayed the course anyway.
She kept investing through the dip. She kept showing up in the community asking questions and getting support. And she came out the other side with more confidence than she went in with — because she’d now experienced volatility and proven to herself that she could handle it.
That’s part of what the Lazy Investor’s Course community is for. Not just to celebrate wins, but to be there when things feel scary. Rachel used the community exactly the way it was designed to be used, and it made a real difference.
What She’d Tell Her Past Self
I asked Rachel what she’d say to the version of herself standing in December 2022, before she started the course.
“Putting your mind to something actually does make a difference. Not every jump is going to pay off, but some of them will. And you just have to be willing to make changes and kind of just go — but also go with the flow a little bit. I was at a pivot section of my life. I would tell her to take a leap. Just do something small, one thing at a time. You’re not going to be retired by the end of the year, but you can make steps and just keep making steps towards your future.”
She also said something I think perfectly captures why the lazy investing approach works:
“I am not staring at individual stocks or individual companies — if they’re failing or if something happened or CEO this or that — I don’t care. Because guess what? I don’t have to care. I really do just get to open my app and see where things are at. And even when they’re down, I know they’re going to pop back up. It’s lazy, it’s easy, and it clearly works.”
Is Clo Bare Money Coach Worth It? Rachel’s Answer.
Rachel is a social worker. She lives in Massachusetts. She started with $200,000 mostly sitting in savings. She had no investment knowledge, no family to teach her, and no high income to fall back on.
She now has $700,000 and growing — and a photography business she loves on the side.
If you’ve been telling yourself you don’t make enough to invest, or you live somewhere too expensive, or you’re too late, or it’s too complicated — Rachel is your answer.
The lazy investor way is not complicated. It’s not about picking stocks or watching the market. It’s about getting the right education, setting up the right system, and letting time and compounding do the rest.
Rachel did exactly that. And in three years, her financial life looks completely unrecognizable.
Watch Rachel’s Full Interview
Hear Rachel tell her story in her own words — including how she felt as a new investor during her first market dip, how the photography business changed everything, and what $700k looks like for a social worker in one of America’s most expensive states.
Ready to Start Your Own Story?
The same free investing class Rachel attended is happening now.
👉 Register for the Free Investing Class Here
🔗 Hear from more students: https://clobare.com/clo-bare-money-coach-reviews/
Clo Bare Money Coach is a personal finance education brand founded by Chloé Daniels, named Bankrate’s Best Overall Personal Finance Influencer for 2025. The Lazy Investor’s Course has helped thousands of women build wealth, pay off debt, and take control of their financial futures.
