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20+ Years in the Financial Industry

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500+ Clients helped through Tax Strategy

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100+ Entrepreneur guided from Idea to Profitability

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Licensed Mortgage Broker and Enrolled Agent

THE VALUES BEHIND THE BRAND

I don’t just teach ownership... I live it.


These 6 values shape how I serve every client:
Authenticity. Empowerment. Education. Faith. Legacy. Integrity.

Fix Your Credit.

Fund Your Future.

A free guide for women with damaged credit who are ready to rebuild, reposition, and reclaim their financial power.

What's Inside:

  • How to break down your credit profile like a lender

  • The top 3 mistakes keeping your score stuck

  • Steps to boost your score and position for funding

Want a personalized credit strategy?

Meet The Strategist.

The Real Chantelle: Strategy Over Struggle. Always.

I didn’t grow up around wealth. In my house, money was grown folk business. You didn’t ask. You didn’t talk about it. You just hoped there was enough.

It wasn’t until college that I realized — we weren’t middle class. We were surviving. My mom did what she could. Before every semester, we’d hit Sam’s Club. She’d load me up on food and supplies.

I had so much, I started selling ramen noodles. Because even then, I didn’t like it. But hustle? Hustle, I understood.

What I didn’t understand...
was
strategy.

Then came credit.

On-campus credit card offers were everywhere. And like a lot of us, I took them. Used them. Maxed them. Ignored the bills.

And when the debt started stacking, I shrugged: "Put it on my credit, I don’t care."

Because I didn’t know better.

Even after I had kids. Even after I started making money. I still moved like someone who was broke.

No savings.
No plan.
No clue how credit could work for me.

Then came the night that changed me.

Coming home from a Little League game in Miami, I accidentally took the turnpike. Pulled up to the booth.

“50 cents.”
I didn’t have it.

Not two quarters. Not 5 dimes,
Not 10 nickels. Not 50 pennies.
Nothing.

That wasn’t just a toll booth.
That was a
wake-up call.

But my real turning point came years later. 2018. My son was going to college. I had to choose:

Pay for school?
Or my car note?

I chose him. My car got repossessed. While I was on the phone trying to get it back, I saw the numbers. I’d paid thousands. And my loan barely moved. The interest rate? 28%. My score had started with a 4. But I felt proud because I didn’t need a cosigner.

That was the problem.

That’s when I got serious. Not just about money - about strategy.

I stopped hustling backwards.

I rebuilt. I learned the system.

I lived the blueprint. And I stopped teaching from theory. I started teaching from truth.

What I Do Now

I help underestimated entrepreneurs:

  • Use credit as a wealth tool

  • Reduce tax liabilities through strategy

  • Build legacy even if they're the first in their family to try

Because I’ve been the girl who couldn’t pay 50 cents.


And now?
I’m the woman who teaches you how to build wealth through
ownership.

Real Talk. Real Tools. Real Results.

Black woman sitting in her car at night, paused in front of a quiet tollbooth, looking contemplative. The dashboard is dimly lit with no visible coins, symbolizing unpreparedness. The scene is moody with soft lighting and emerald green and gold accents, evoking a powerful moment of financial reflection and mindset shift.

The Tollbooth That Changed Everything: A 50-Cent Wake-Up Call

July 25, 20252 min read

Let me tell you about the moment that slapped me awake financially... and it only cost fifty cents.

Years ago, I was driving home late, exhausted, trying to stay focused. I made the wrong turn and ended up at a tollbooth I wasn’t supposed to be at. As I pulled up, I reached for some change—but my car was silent. No clink. No coins. Not even a stray quarter in the cup holder. Just me, the toll, and a growing lump in my throat. I didn’t have it. I had to sit there for a moment, embarrassed—not because I couldn’t afford fifty cents, but because I was caught unprepared.

I wasn’t broke. I was unprepared. That night wasn’t about money. It was about mindset. And God used that small, humbling moment to shake me.

I had income, but no plan. I had goals, but no guidance. I had ambition, but no strategy. Sound familiar? That tollbooth moment reminded me: you don’t rise to your goals, you fall to your habits. And financial readiness is a habit, not a hope. That tollbooth moment didn’t change everything overnight. Truth is, it took me a few more years—and a few more lessons—before I fully leaned into the shift. But it planted a seed. A seed that kept reminding me:

  • No more coasting on talent or hustle alone.

  • No more waiting on a "better season" to get serious.

  • No more letting shame stop me from getting strategy

Because the truth is... money isn't your problem. Mindset is.

If you've ever felt embarrassed, stuck, or "behind" financially, I want you to know something: You are one decision away from a different story.

Real Tip: Start a "Readiness Fund" with just $10 this week. Not for bills. Not for emergencies. Just readiness. A tangible reminder that you’re shifting from reaction to preparation.

Ready to shift for real?

Let me help you build strategy that doesn’t just patch holes... it creates overflow. Book a Financial Clarity Call and start turning your wake-up call into a wealth plan.

You’re closer than you think.


📩 Email me at: [email protected]
📞 Call or text: 561-867-8329

Let’s turn your credit around and turn your dreams into deeds.

overcoming financial shamereal financial strategy money and mindset transformation Black women and money mindset financial literacy for women credit as a wealth tool wealth-building strategy financial mindset shift MindsetCreditMoney
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Chantelle F. Davis

Chantelle Davis is a Mortgage Strategist, Financial Educator, and Credit Revitalization Expert with over 20 years of experience helping individuals and entrepreneurs transform their financial lives through ownership. As the founder of The Mortgage Strategist and creator of Wealth Is an Inside Job, she empowers credit challenged dreamers to shift their mindset, fix their credit, and build generational wealth. Her bold, straight to the point style blends financial strategy with heart, helping her community turn their dreams into deeds. When she’s not simplifying the mortgage process or helping clients level up their credit, you’ll find her speaking on stages, mentoring wealth builders, or sipping something smooth while writing her next power move.

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