134: How Cindy Paid Off $215,000 In Student Loans The Clever Girls Know Podcast

Cindy Zuniga is the founder of Zero-Based Budget Coaching LLC.  After graduating from law school in 2015 with over $210,000 of debt, Cindy decided to take control of her money by immersing herself in the world of personal finance. 

In 2018, she launched @zerobasedbudget to document her debt payoff journey and simplify personal finance concepts.  After recognizing, through her platform, people’s unique needs and goals, Cindy founded Zero-Based Budget Coaching LLC and offers personal finance coaching services and speaks to audiences small and large about budgeting, saving, investing, and more. 

As of December 2019, just a few weeks ago, Cindy is now debt-free and pursuing financial independence.


Cindy practices law full time as a commercial litigator.  She is a graduate of Stony Brook University and obtained her Juris Doctor degree from the Benjamin N. Cardozo School of Law.  She was born and raised in the Bronx, and currently resides in Harlem. 

In this episode, Cindy shares:
1. Her money story and growing up as a child of immigrants
2. The “enough is enough” money that caused her to focus on becoming debt-free
3. The specific things she did to pay off her debt
4. How she stayed motivated
5. Her plans after becoming debt-free and so much more.

How to keep up with Cindy:
- Via her website at https://zero-basedbudget.com
- On Instagram @zerobasedbudget

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