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About BFR

Hi I'm

Sylvie Mor-Agwe

Debt Slayer | Financial Educator | Author

When my husband Jay and I started managing money together, we came from completely different financial backgrounds, one of us a spender, the other a saver. For a long time, we didn’t talk about money, which created a lot of unspoken tension, hidden purchases, and bank accounts, and almost ruined our marriage. It was only when we committed to open communication and understanding each other’s ‘money story’ that we were able to build the strong foundation we have today. 

We realized that something had to change. We decided to take control of our money once and for all. It started with simple, necessary steps, and the structure that emerged and became the REAP 4-Pillar Freedom Formula.

It wasn’t a complicated, academic solution. It was a clear, practical, faith-based 4-step plan that allowed us to:

  • Reset Your Wealth Mindset: Master our money flow and set boundaries.
  • Establish A Solid Financial Foundation: Attack our $325,000 debt strategically and aggressively.
  • Accelerate Financial Growth: Start investing and creating long-term freedom.
  • Protect Financial Assets and Generational Wealth: Secure our legacy.

The results changed everything. That system—the REAP 4-Pillar Freedom Formula—is exactly what I built my program around.

Welcome to Beyond Financial Reset, where we simplify managing money so you can build lasting wealth and live financially FREE.

 Welcome to Beyond Financial Reset, where your new beginning starts with clarity, courage, and a plan that works.  Welcome to Beyond Financial Reset, where your new beginning starts with clarity, courage, and a plan that works. Welcome to Beyond Financial Reset, where your new beginning starts with clarity, courage, and a plan that works. Welcome to Beyond Financial Reset, where your new beginning starts with clarity, courage, and a plan that works.

Beyond Financial Reset: Simple strategies to eliminate debt, prepare for retiretirement and build generational wealth.

Transform Your Mindset. Manage Your Money. Achieve Unshakeable Financial Stability

You were created for more than financial stress. At Beyond Financial Reset, we help you connect faith, mindset, and money so you can live with clarity, confidence, and freedom.

hey you! yes, you 🫵

You Are Not Bad With Money

You’re not struggling because you love comfort or enjoy small pleasures. You simply haven’t been shown a system that truly fits your life. Once you learn how to manage your money with balance, purpose, and faith, everything starts to feel lighter and more possible.

My RESET

There was a time when I looked successful from the outside. I had achieved the title of Nurse Practitioner, we had stable jobs, and all the signs pointed to a good life. But behind the surface, my family was struggling.

16 years after leaving my home country, Cameroon, we were buried under $325,000 in debt. Every month felt like a battle to stay afloat. Every unexpected expense brought crushing anxiety.

The moment everything broke was the morning I received a call from my husband. A member of our community had passed away, and we were expected to contribute $400. My heart sank. I sat there,  realizing I hadn’t yet figured out how to pay my daughter’s $500 tuition for the month. Yet, the community expectations never stopped coming.

That was the moment I realized the truth: We were working full-time, earning well, educated, and responsible, yet completely financially trapped. That was my AHA moment..My RESET began.

My Mission

Teaching you simple strategies that help you manage money so you build unshakable wealth, and be financially free to live the life you want

The Framework

A faith-based financial framework created for individuals seeking simple strategies to build sustainable wealth, find peace of mind, and confidently secure their legacy in accordance with God’s principles.

Lear more About the Framework

Beyond Financial Reset

You Deserve Better Than Just Getting By

It’s not about earning more. It’s about learning how to make your money work for you with faith, clarity, and purpose guiding every step.

Faith

Trust that through faith and discipline, you can build a life of peace and purpose.

Clarity

See exactly where your money goes and align every dollar with your goals.

Confidence

Build habits that help you manage money with peace and assurance.

Stability

Create a system that provides long-term financial balance and security.

You have the power to build a life that feels secure, balanced, and purpose-driven, one decision at a time.

Begin your transformation with 4 Easy Steps

client love

BFR HELPED ME FINALLY BREAK FREE FROM THE CYCLE OF LIVING PAYCHECK TO PAYCHECK.

When I joined Beyond Financial Reset, I was drowning in debt and constantly stressed. Now I have a clear plan, a support system, and the tools to manage my money with confidence.

– AMANDA

client love

I SAVED $15,000 IN JUST 8 MONTHS!

I used to believe saving was impossible on my income. After following the BFR method, I tracked my spending, built my first real budget, and started saving consistently. Now I finally feel secure about my future.

– JASON

client love

I PAID OFF $45,000 IN DEBT WHILE GOING THROUGH A DIVORCE.

I thought financial freedom wasn’t for me, especially as a single parent. BFR gave me step-by-step guidance and the mindset shift I needed. Today, I’m debt-free and building wealth for my kids.

– KAREN

client love

I WILL BE COMPLETELY DEBT-FREE BY NEXT YEAR.

Before BFR, I didn’t even know where my money was going. The system taught me how to control my cash flow and eliminate waste. For the first time, I believe financial freedom is possible.

– DEREK

client love

I FINALLY STOPPED LIVING PAYCHECK TO PAYCHECK.

Before joining BFR, I never had control over my money. Every month felt like starting over. The step-by-step system helped me build structure, save intentionally, and stay consistent. Now, I actually see my savings grow each month.

– EMILY

client love

BFR GAVE ME THE CONFIDENCE TO TAKE CONTROL OF MY FINANCES.

I used to avoid looking at my bank account out of fear. BFR helped me face my numbers, understand my spending habits, and make clear financial decisions. I now feel empowered and confident managing my money.

– CARLOS

client love

I SAVED MY FIRST $10,000 IN LESS THAN A YEAR.

For years, I tried budgeting apps and never stuck with them. The Beyond Financial Reset method finally made it simple and sustainable. I set goals, tracked progress, and watched my savings account grow faster than ever.

– LINDSEY

client love

MY PARTNER AND I ARE FINALLY ON THE SAME PAGE ABOUT MONEY.

BFR didn’t just change my finances, it changed our communication. We now have shared goals, weekly money check-ins, and a clear plan for our future. It brought peace and alignment to our relationship.

– RYAN

client love

I PAID OFF MY CAR LOAN AND STARTED A SIDE BUSINESS.

The Beyond Financial Reset community motivated me to stay consistent. I cleared my car debt, built an emergency fund, and used my newfound discipline to launch a small online business. It’s more than a program, it’s a mindset shift.

– TANYA

client love

I WILL BE COMPLETELY DEBT-FREE BY NEXT YEAR.

Before BFR, I didn’t even know where my money was going. The system taught me how to control my cash flow and eliminate waste. For the first time, I believe financial freedom is possible.

– DEREK

Why Beyond Financial Reset?

Managing money goes beyond bank accounts. Our community goes beyond the numbers to address the emotions and deeper issues that money can bring up. Here, you'll find:

A Supportive Team

Connect with others who are navigating similar challenges and celebrating financial wins.

Honest Conversations

We provide tools and resources to help you talk openly about your spending habits, debts, and financial goals without conflict.

Practical Tools

Get actionable advice on budgeting, saving, investing, and navigating major financial decisions

We're here to help you turn money from a source of stress into a tool that builds a life you love

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