Money Club: The Hidden Power of Debt

Debt doesn’t have to be the enemy.

When used wisely, it can be one of the most powerful tools for building long-term wealth and financial freedom.
This month at Money Club, we’ll explore how to make debt work for you—not against you.

Together, we’ll demystify “good” vs. “bad” debt and walk through real-world examples of how people use credit strategically to create opportunity, stability, and growth.

✅ Understand the difference between productive and destructive debt
✅ Learn how to calculate your true cost of borrowing
✅ Discover how to use leverage to buy assets that grow in value
✅ Build strategies to manage credit, loans, and interest like a pro
✅ Explore ways entrepreneurs and investors use debt to accelerate wealth
✅ Create a personal framework to decide when (and when not) to borrow

• Anyone feeling weighed down by debt who wants a new, empowering perspective
• Entrepreneurs and small business owners seeking smart growth strategies
• Homeowners, parents, and individuals preparing for major life investments
• Anyone curious about how to turn financial obligations into wealth-building opportunities
  

Money Club is about real conversations around money—without shame or jargon.
You’ll leave this in-person session with insight, confidence, and a few mindset shifts that can change how you see your financial future.

Kristen Winter is a financial educator, speaker, and WealthWave team leader who specializes in making financial concepts accessible and inspiring. With a background in entrepreneurship and deep insight into personal finance, she empowers individuals, especially women and small business owners, to take control of their financial futures. Kristen believes in rising together, through knowledge and action. In 2020, she set up The Renegade Winters, a chronicle of the 15-month-long RV adventure across the US that she took with her husband Gary, her kids Madelyn and August, and their dog Lilly Belle.

Malee Ojua is the founder and CEO of Sacred Fire Creative and the former Innovation Navigator of the Mid-Willamette Valley Innovation Hub. Through Sacred Fire Creative, she helps founders and small business owners find their authentic voice and use it to create powerful brand stories that resonate with their audience. Through the Mid-Willamette Valley Innovation Hub, she facilitated and supported initiatives that nurture innovation within our local entrepreneurial landscape.

Located in a beautifully restored warehouse in McMinnville, Mac Market is a hub of creativity, connection, and community. With its warm and inclusive vibe, it’s the perfect place to spark meaningful conversations that help you grow, personally and professionally.

is an award-winning, Portland-based digital marketing company that focuses on uplifting entrepreneurs and small business owners, especially women and those coming from traditionally underrepresented backgrounds. We provide tailor-made solutions for entrepreneurs to grow, from digital marketing and brand storytelling to connecting with resources, mentorships, and communities.

Save your seat today.

#MoneyClub #SmartMoneyMoves #FinancialEmpowerment #LaunchMidValley #SacredFireCreative #RiseTogether

Info: Meet your Money Club hosts and fellow participants. Get comfortable in this judgment-free zone for real conversations about money.

Info: Explore how debt can create opportunity when used strategically. Learn the difference between “good” and “bad” debt—and why that mindset matters.

Info: Break down interest, APR, and compounding with simple examples. See how small choices today can add up to big differences over time.

Info: Discover how entrepreneurs, homeowners, and investors use leverage to grow income and assets. Learn how to identify when borrowing makes sense.

Info: Compare payoff methods, discuss refinancing, and learn how to keep your credit working in your favor.

Info: Reflect on what you’ve learned and share one insight or action you’ll take to use debt as a tool for financial strength.

Info: Stay for networking and informal conversation at Mac Market’s café and community space.

Event Venue & Nearby Stays

Mac Market, 1140 Northeast Alpine Avenue, McMinnville, United States

Concerts, fests, parties, meetups - all the happenings, one place.

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