I'm Kierra!

I'm Kierra AKA Miss Unconventional. I teach coaches, course creators, and corporate professionals how to conquer their chaotic schedules, guarantee their goals, and design a life and business that aligns with their personality, passions, and purpose. If you're ready to reclaim your TEA (Time, Energy, & Attention), click here to get started. 

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How I Lived Rent-Free for 4 Years

Lifestyle Design

How I Lived Rent Free for Four Years (and no I didn’t live with my parents)

I already know what you’re thinking:

Right now, you’re thinking I’m about to tell you that I bought a house, rented out the rooms, and my roommates covered the cost of my rent.


You’re thinking that I house-sat for someone who was out of town.

Or maybe you think I’m just full of shit and this is another click-bait post that will be of no practical use to you.

And I get it!

I get why you’re skeptical. You’re tired of reading all these life hack posts that regurgitate the same thing over and over!

“Move back in with mom and dad.”

“House-sit for the wealthy.”

“Get a roommate”

And it goes on and on.

Well, I’m not here to disappoint you. The aforementioned hacks can be beneficial, BUT that’s just not how I did it.

I did, however, manage to live rent-free, car-free, and sometimes even food and utilities free for 4 years!

If you’ll stop being skeptical for one second, I can blow your mind with this unconventional hack I used to eliminate life’s biggest expenses.

First, I Had to Hit RBB AKA Rock Bottom Broke

It all began when I was 19 years old and my mom told me that there couldn’t be two HBICs (HBIC stands for Head Bitch in Charge) in her house.

As harsh as it was, she was right! I was too grown, and the way my attitude was set up back then, I would’ve ended up six feet under had I remained in her house.

So what did I do?
I moved out, found an apartment near school, began to work 60 hours per week while attending college full time —  all to keep up with the lavish lifestyle I was creating for myself.

That lifestyle consisted of frivolous shopping, rent, utilities, eating out all the time, and then, like an idiot I went out and bought a brand new car!

To make a long story short, a series of events led me to, what I like to call, Rock Bottom Broke (RBB), unemployed, depressed, and practically homeless.

I was drowning in car debt, credit card debt, and student loan debt and I had no choice but to find a way to eliminate my largest expenses: housing, transportation, and food.

It Was All About the Benefits Baby…

Had I not hit RBB, I can’t say for sure I would have been determined enough to seek the job opportunities with such robust benefits packages. In a way, I’m grateful for that painful period, because it led me to opportunities that have ironically given me a different kind of head start in life.

I guess when you’re as broke as I was, you have no choice but to seek out jobs that include your most basic needs and that’s what I did.


I researched jobs where housing was included. I came across all types of opportunities:

➤  live-in nanny positions

  au pair gigs

  working in national parks


So many things I would have never thought of because, well… it’s not what I went to school for.

Through all that research, I finally caught my first major break…

This Cruise Line Spoiled Me

I attended a mass interview event for the popular Norwegian Cruise Lines: Pride of America. This ship cruised the Islands of Hawaii.

That day, I applied and interviewed for the junior server position because all my work experience up to that point was in the food, beverage, and retail industry.

Less than a week later, I was notified that NCL was extending a conditional offer to me. You would have thought a sista won the lottery the way I screamed!


Let me break this down for you:

NCL was offering the following perks:

  All expenses paid two-week training in Piney Point, MD

➤  Paid for background check, TWIC, and MMC (all documents needed to work officially on any ship)

  Flight to Honolulu from Maryland

  Free room and board (utilities included) on the ship

  Free laundry service

  A five months on, five weeks off contract

  Free flight home after the first five months

  An opportunity to cruise the Hawaiian Islands fo’ free

  Health insurance


It was a no-brainer so of course, I accepted!

To top it all off, I wouldn’t be making a typical stateside hourly wage for a server which, at the time, was $2.83/hour. Instead, I would be making a little over $9 bucks/hr. plus tips plus overtime. I stayed with this company for a year and a half.

To tell you what it was like working on the cruise ship would go beyond the scope of this article, but if you’re curious leave me a comment below.

Then EPIK Made Me an Offer I Couldn’t Refuse

While working on the cruise ship, I couldn’t help but think that I wasn’t maximizing my full potential. So, I began to research

opportunities to teach English abroad and came across the EPIK (English Program in Korea) program.

After a year of cruise ship life, I needed a change and more importantly, I needed to feel like I was progressing in life. I thought there’d be enough opportunities to advance on the ship, but the truth is, it was a game of politics and mean girls and I was unequipped to play.

Because of this, I studied hard for three months for my TESOL (Teaching English to Speakers of Other Languages) Certificate, put together a killer application, resume, cover letter, video, and references and applied to teach English in Korea with their government program.

After submitting all required application documents, I was notified less than 72 hours later that I had received the job. This was another moment of obnoxious screaming.

Again, if you’d like to know more about my experience living and working in South Korea, leave me a comment below.

I was offered and completed, a one-year contract in rural South Korea in the Gangwon Province.

This benefits package was arguably more robust than the last.


EPIK offered the following:

  All expenses paid one-week orientation in Seoul, South Korea.

  A flight reimbursement of $1,200 bucks from the U.S. to Seoul.

  A one-time settlement allowance of $300 bucks

  A paid-for single apartment (utilities not included –but cheap)

  Lunch provided on school days

  A contract completion bonus

  Health insurance

  Renewal bonus (only if you renewed after one year)

  Extra money for teaching at more than one school

  Not to mention, millionaire status! 😉


As you can see, the benefits were just as generous as the cruise ship benefits. I was able to save 50% of every paycheck without depriving myself.

Then Came the Holy Grail of Opportunity

While teaching in South Korea, I became friends with author, Ben Stout, who wrote the book, “Get Rich Teaching English”. I never would have thought that reading a book and reaching out to the author afterwards would lead to such an amazing opportunity, but that is the power of networking my friends!

Ben introduced me to an opportunity to become a Sr. Training and Development Specialist (which is just fancy for EFL Instructor) in Kabul, Afghanistan with a defense contracting company whose name I won’t mention here.

I didn’t think the deal could get any sweeter than the South Korea deal, but I was WRONG. This company was the holy grail!


They offered the following:

  All expenses paid one-week orientation in Orlando, Florida (flight, food, rental car, and hotel included)

➤  Another all expenses paid one-week training in El Paso, TX (again flight, food, rental car, and accommodation included)

  A flight to Kabul

  Paid for work uniforms and protective equipment

  Full room and board on a military base in Kabul

  Health care

  401(k) with company match up to 4%

  6-figure salary

  120 hours of vacation per year plus all U.S. National Holidays and some local national holidays

  Extra $2,500 per year for flight reimbursements regardless of amount spent

  Company laptop

  Company smart phone with minutes included


Right about now you’re probably thinking,

“Why the hell did you leave!?”

The deal was THAT sweet, but living in a warzone for an extended period of time can take a toll on you. Some people didn’t even last three months! I lasted a year and a half.

The Naysayers and Habitual Complainers Will Undoubtedly Say…

“ You had this or that advantage and this is not possible for me because of this or that.”


Okay. I’ll play. I will acknowledge the following privileges:

I was university educated

I had friends and family who helped a little along the way (couch to sleep on, free food, shoulder to cry on etc.)

A U.S. passport

A healthy body

No kids


At the end of the day though, I am an African American woman, a product of a single mother of four girls. Half of my childhood was spent in the lower class category, and when I started this journey I only had $.89 in my bank account.

The best thing I had going for me was my inability to blame anyone other than myself for circumstances, my hustle, and my ambition to be better than I was. At that time in my life, I was incapable of making excuses and that was my ultimate saving grace.


The Truth Is: Living Rent-Free With These 3 Companies Gave Me 5 Things…

1. An opportunity to get back on my feet after hitting RBB

2. The ability to eliminate life’s largest expenses

3. The ability to travel and experience things most people will never have an opportunity to experience

4. Time to discover what I actually want to do with my life

5. An ability to save over 50% of my income which led to a debt-free lifestyle


What This Means For You


I didn’t even search for these opportunities before I hit rock bottom broke. I did what everyone else does after college:

Looked for entry-level jobs within my field and hoped to land something that didn’t completely suck.

I experienced the feeling of shame of coming to a point where I had to choose a job that had nothing to do with my major.

It sucks!

But here’s the thing:

You can either use your time of uncertainty to pursue fun and unconventional jobs that will pay your bills and provide you with unique benefits and experiences.


You can continue to “hope for the best” while job searching within your field with not even a dollar to your name and no place to call home.

The choice is yours.

Don’t be in a rush to have your life figured out!

For the love of all things holy, at least meet the first two levels of Maslow’s Hierarchy of Needs before you start beating yourself up about not being where you hoped you’d be. Want to learn more about my story?

Check out my latest podcast interviews with some of the best podcast hosts in the industry:


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Hey There!

I'm Kierra

Productivity & Lifestyle Design Strategist who helped over 200  entrepreneurs & corporate professionals reclaim their time, establish strong boundaries, and get the right things done at the right time for the right reasons.

I've taken the liberty of cancelling the #BookedandBusy culture and replaced it with #ProfitableandProductive culture instead.



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