Episode 47: Know your worth with My Fab Finance founder, Tonya Rapley

The millennial money expert on why she enters every boardroom with the confidence of a mediocre white man

Tonya Rapley is a nationally recognized millennial money expert and founder of the award-winning site, My Fab Finance. She has graced the cover of Black Enterprise magazine and was deemed the “New Face of Wealth Building”. She was also selected as a Modern History Maker by TV One and has been recognized as one of the “Top 10 Most Influential Women in Personal Finance on Twitter”. Her mission is to help millennial women break the cycle of living paycheck to paycheck and own their power. 
An engaging, relatable, and fun public speaker, Tonya has spoken at The New York Stock Exchange, Essence Fest, Bloomberg, The Taco Bell Foundation, PepsiCo, Fidelity and a host of colleges and universities across the country.


  1. Know your worth!  Walk into any room with the understanding that you’re supposed to be there, and you deserve to be there. 
  2. So many aspiring entrepreneurs chase exposure without  having systems in place to capitalize on the attention.  Develop your systems first and then pursue eyes.
  3. Tonya’s advice for improving your finances- “Sit down and be honest with yourself on where you are and where you want to go.”  You need to be crystal clear on what you want to do and block out the opinions of others; including your parents.


  • As an Army brat Tonya constantly moved- she shares how these experiences helped and hindered her entrepreneurial journey.
  • Tonya reveals her Get on the Box moment- “My boss didn’t respect me.”
  •  After gracing the cover of Black Enterprise, Tonya got “impostor syndrome” 
  • On how to overcome the fear of not living up to early success- “walk into the room with the confidence of a mediocre white man.”
    • “This is where God put me; lets do this!
  • Tonya warns hopeful entrepreneurs on the trappings of seeking exposure before having systems in place.
  • Diversify your business- When looking to turn an idea into a sustainable business make sure it can generate multiple streams of revenue for you (at least 3).
    • “I don’t think that enough people plan for events that can happen with their personal finances nor events that can occur within their business.”
  • Tonya’s definition of entrepreneurship – “When you start working for yourself.”
  • When getting your finances in order –  block out the opinions of others and make decisions that align with your goals.
    • “I love my parents dearly, but I don’t follow my parent’s financial advice because we have different goals for what they want my life to look like and what I want my life to look like.”
  •  Tackle your financial and business foundation one piece at a time in order to avoid “productive paralysis.” 
  • Prioritize your goals and your objectives  in order to avoid the “martyr syndrome”- when you give everything to everyone else and you have nothing left  for yourself. 
  • Entrepreneurs, invest in a strong assistant
    • “It will increase your productivity and allow you to breath easier.”
  • Tonya would’ve loved to sit down with entrepreneur, philanthropist, and a political and social activist Madam C.J. Walker
    • “What would she do differently when growing and scaling her business to a nationwide hair company?”
  • Tonya’s WHY– “I value freedom over everything; I’m driven by creating financial freedom for myself as well as freedom for others.”
  • Tonya’s  final nudge– “You don’t have to be perfect at anything , you just have to be committed.” 



The Money Manual: A Practical Money Guide to Help You Succeed On Your Financial Journeyby Tonya Rapley

Tonya communicates with her team by using Slack

Create awesome graphics with Canva

Entrepreneurs, keep track of your finances with Intuit



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