ITV #278: She Says You Can Make $100K in 90 Days With a Tax Business | Inside The Vault

Kayla Joshua has seen the financial system from both sides — as a banker working with wealthy clients and as a welfare caseworker helping families navigate public assistance.

Now, as a financial social worker and tax strategist, she teaches people how to use tax preparation as a business opportunity, including a path she says can produce $100K in 90 days for those who build the skills, market consistently, and do the work. Results are not guaranteed.

In this episode of Inside the Vault, Ash Cash sits down with Kayla to unpack taxes, credit, business structure, financial literacy, welfare dependency, entrepreneurship, resilience, and what it really takes to change your financial life.

Kayla shares how she became a mother at 16, worked in banking, raised her credit score from 424 to 836, became a welfare caseworker, and eventually left her government job after growing her income through tax preparation.

Her story goes far beyond money. Kayla also opens up about lupus nephritis, dialysis, two kidney transplants, working on tax returns while connected to a dialysis machine, and completing a return after her 2025 transplant.

In this episode:

• Kayla’s $100K-in-90-days tax business strategy

• How she made in one tax season what she once made all year

• What working in banking taught her about wealth

• Going from a 424 to an 836 credit score

• What she learned inside the welfare system

• Why mindset matters when leaving financial dependency

• Who can succeed in the tax business

• How to structure and manage your business money

• Budgeting, business credit and financial discipline

• Life insurance, credit and taxes as financial tools

• Building a business while battling lupus

• Working through dialysis and two kidney transplants

• Why making money means nothing if you can’t manage it

• Credit-report mistakes people overlook

• Kayla’s vision for helping teen mothers build financial independence

• Faith, resilience and creating a different future

Kayla’s story is proof that your current situation does not have to become your permanent situation.

Connect with Kayla Joshua:

Instagram: @thefinancialsocialworker

JoinKayla.com

KnowledgeFinancialSolutions.com

Inside the Vault:

@insidethevault

InsideTheVaultShow.com

Host:

@iamashcash

IAmAshCash.com

ABUNDANCE IS YOUR BIRTHRIGHT.

Join Ash Cash and a community focused on building wealth, increasing income, strengthening your mindset, and creating a more abundant life:

TheAbundanceCommunity.com

DISCLAIMER: This episode is for educational and informational purposes only and is not individualized tax, financial, credit, legal, business, or medical advice. Income and business results are not guaranteed and depend on many factors, including skill, effort, market conditions, compliance, and execution.

TIMESTAMPS

00:00 – Kayla’s story, taxes & surviving two kidney transplants

01:11 – Ash Cash book CTA

02:09 – Meet Kayla Joshua

04:19 – How Kayla teaches $100K in 90 days with taxes

06:28 – Why traditional financial literacy isn’t enough

08:05 – Teen mom to banker

09:02 – Credit score: 424 to 836

10:02 – From banking to welfare casework

11:31 – How household income affects public benefits

14:25 – The mindset shift from dependency to ownership

15:52 – The $100K-in-90-days tax business strategy

17:13 – Who can succeed in the tax business?

18:01 – What does it cost to get started?

19:08 – How to manage the money after you make it

20:21 – Turning a side hustle into a real business

22:12 – Financial tools beyond taxes

23:13 – Kayla’s lupus and kidney transplant journey

25:21 – Why Kayla has four kidneys

25:36 – Running a business while on dialysis

27:21 – How lupus first showed up

30:34 – How money created breathing room during illness

31:49 – How to start learning from Kayla

33:40 – It’s not what you make, it’s how you manage it

35:47 – What wealthy people do differently

37:20 – Is the credit system designed to profit from mistakes?

38:00 – How Kayla went from 424 to 836

39:15 – Legacy Lockbox

39:50 – Credit mistakes people overlook

42:13 – “Your current situation doesn’t have to stay that way”

43:41 – Kayla’s deeper story of survival

45:14 – Teaching entrepreneurship after incarceration

46:21 – Lupus, dialysis, family & refusing to quit

48:13 – Kayla’s legacy for teen mothers

49:47 – Faith, God & “crazy faith”

50:28 – Kayla’s purpose

54:22 – Make, manage & multiply your money

55:22 – Connect with Kayla

55:30 – Closing the Vault

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