Carmin Wharton knows all about starting an online business, even if you don't have a lot of money or knowledge.  Prior to becoming a certified personal coach, she's owned a successful event planning firm, membership site for business women of color and professional cake decorating business.  She built these businesses from the ground up using faith and sweat equity.  She taught herself everything needed to build an online business from the ground up.  In addition to her Master's Degree in Education, she earned a graduate certificate in Digital Marketing.