The Money Mindset Podcast

#63 Living Your Life With Intention

May 16th, 2022

Getting through college or university with little to no debt sounds like a fantasy right?!

We always associate that process with a mountain of debt that stays with you for a long time. But that’s not the case and we need to work on spreading that knowledge and education to others.

Listen in as Michelle shares her journey of going from college to university, how she studied while traveling and how she was able to do all of these things without racking up a mountain of debt.

Learn what it takes to spend money intentionally and save when it’s important as well as what benefits you can experience from investing even if you don’t have much to invest.

Meet Michelle!

Michelle Onaka is a mom of two young children, part-time university academic counselor supporting first-generation college students, and founder of Intentional Money Life. She loves to learn, strategize, support others, get into the nitty gritty, systemize, and demystify things. In her business, she helps people build financial education, apply it to themselves, and intentionally create a life that they love. She does this through posting regular educational visuals and short videos on social media, as well as through offering online financial courses.

“Going to college is about strategy. Some students strategy is going to a community college first and then transferring to a university, but they have to be very strategic in that transfer.” - Michelle Onaka

03:23 - Michelle's Story
05:52 - College, traveling and seasonal jobs
07:42 - Top tips for college, keeping debt low and traveling
09:13 - Debt after college?
12:11 - The community college to university strategy
13:28 - What do you need to do to be strategic?
17:36 - AmeriCorps Programs
20:05 - Current financial journey and investing
22:22 - Naturally frugal
25:28 - Tips for spending money on your priorities, spending where it counts
28:59 - Last words of wisdom

For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on

And if you enjoyed the podcast today and got some great takeaways, I’d really appreciate it if you followed the Money Mindset Podcast so you don’t miss out on future episodes

Resources and Links Mentioned:
FREE Budget Starter Kit -
Michelle Onaka’s courses

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