Store
Store
- All |
- ExodUS ASAP |
- Alumni Complete Experience |
- Digital Products |
- Workshop Bundle |
- Retreats |
- Sponsorships |
- Intensives |
- Coaching |
- Masterclass |
- BTM |
Filters
Tiny house financing isn't always as straightforward as getting a traditional mortgage, and for many buyers, financing options can be limited. Financial expert Marsha Barnes brings both a personal-finance and credit-union perspectives to help you prepare before you ever approach a lender. She'll cover how to build a realistic tiny house budget, create a savings strategy when borrowing isn't the best or available option, strengthen your overall financial position, understand what lenders look for, and avoid common financial missteps. You'll also explore available financing pathways, including the limited lending options for tiny houses on wheels, and how to have a more informed conversation with potential lenders.
ABOUT | Marsha Barnes
Marsha Barnes is a financial expert with more than a decade of experience helping individuals and families build financial confidence and make informed financial decisions. She currently serves as Community Relations Officer at Advancial Federal Credit Union, where she develops financial education and community outreach programs, and is the founder of The Finance Bar, through which she has helped thousands strengthen their financial habits, manage debt, and build wealth. Her expertise has been featured in Forbes, Essence, The New York Times, NPR, Black Enterprise, and other national outlets.
For consumers who paid Reginald “Reggie” Cummings, Black Travel Movement, Reggie & Friends, or associated payment accounts and are experiencing problems with a trip, event, service, cancellation, or promised BTM refund.
The BTM Consumer Recovery & Reporting Toolkit helps you work through what to do next. This 18-page toolkit provides step-by-step guidance, including templates, worksheets, payment recovery options, reporting instructions, escalation strategies, and information about possible civil recovery.
Please note: Information provided on this site and in its downloadable resources is for educational and informational purposes only and is not legal or financial advice. No particular recovery, investigation, prosecution, or other outcome is guaranteed.
GETTING DIFFERENT REQUIRES DIFFERENT.
The Off-Ramp Tiny House Masterclass™ begins September 14, 2026. For four weeks, we go beyond the dream and into what it takes to make tiny living real: the money, the design, the build, the systems, the placement, and the decisions that connect it all.
Along with four core on demand modules, planning materials, Weekly Live Office Hours, and a Closing Live Q&A Session, you'll also get:
BONUS | Accessory Dwelling Unit (ADU) Development Case Study :: Go inside real-world ADU development with ADU Consultant & Realtor Kisha Mellor and explore how ADUs can create additional housing, generate income, build long-term financial flexibility, and move from idea to development.tional housing, generate income, and move from idea to development.
BONUS | Tiny House Community Development Case Study :: Go inside a real-world 7-figure development with Real Estate Developer Dedria Kolb and see how land, planning, development, funding, and execution come together to move a community-scale housing vision forward.
BONUS | Tiny House Financing Workshop :: Get expert guidance from Marsha Barnes of The Finance Bar and Advancial Federal Credit Union on building a realistic tiny house budget, saving toward your plan, strengthening your financial position, understanding what lenders look for, and navigating available financing options.
The Masterclass is designed to fit into your life, not take it over. Modules are on-demand each Monday, every live session is recorded, and you have lifetime access to return to the material whenever you need it.
The live experience happens this fall. What you learn is yours to keep.
Soul Collective!
We will be gathering again for a soul-filled weekend centered on rest, connection, culture, meaningful conversation, and community. This year’s theme, Rooted & Rising, reminds us that we are rooted in what has held us, and rising toward what calls us. I truly hope you’ll join us for what will be another beautiful weekend.
Please note, to preserve the intimate nature of the gathering and ensure that everyone feels comfortable in my home, registration is being limited to 10 guests. Your contribution helps cover the shared retreat experiences and meals hosted at my home.
📅 Dates: Thursday, October 29th through Sunday, November 1, 2026
📍 Location: Kannapolis and Concord, North Carolina
✈️ Charlotte, NC (CLT)
🚂 Kannapolis, NC (KAN)
➖ RSVP Deadline :: 10/1/26, attendance limited to 10 guests
🔺 Weekend Flow
➖Thursday, October 29th -
📌 Dinner (Optional & for Early Arrivals) :: For those arriving Thursday, ease into the retreat weekend with good food, conversation, and maybe some live music.
Location: Local Area Venue/Restaurant (TBD) | 6:30pE - 9:00pE
➖Friday, October 30th -
📌 Brunch (Optional & for Early Arrivals) :: For those arriving early, join us for a casual brunch and a little time to connect before the retreat officially begins.
Location: Local Area Restaurant (TBD) | 12:00pE - 2:00pE
〰️
📌 Rooted & Rising Opening Dinner :: We'll officially open the retreat weekend over good food, conversation, and maybe a little wine and art.
Location: Local Area Venue/Restaurant (TBD) | 5:00pE - 9:00pE
➖Saturday, October 31st -
📌 Soulful Rising | Connection & Reflection :: Begin the day with a meditative and poetic experience led by Janelle Simmons of The Lotus Journey . The tones and vibrations of singing bowls will create space for relaxation, reflection, and connection. Followed by breakfast and conversation. Weather permitting, we’ll gather in my backyard.
Location: The Black Gem (My Home) | 8:00aE - 12:00pE
〰️
📌 Collective Dinner & Conversation :: Gather for dinner and a guided conversation about what has rooted us and what we’re rising toward. The evening also includes a private tour of my tiny home, with a portion of the conversation livestreamed to the community.
Location: The Black Gem | 5:00pE - 9:30pE
➖Sunday, November 1st -
📌 Soulful Send-Off | Connection, Reflection & Intentions :: Close the weekend over a continental breakfast at my home as we reflect on what we’re taking with us and set intentions for how we’ll continue to rise.
Location: The Black Gem | 10:00aE - 11:30aE
〰️
📌 Soul Collective YTube Retreat Wrap-up Conversation (Optional & for Late Departures) :: We’ll gather one last time, live on YouTube, to share reflections from the weekend, what the experience meant to us, and what The Soul Collective means to each of us.
Location: The Black Gem | 12:00pE - 1:00pE
〰️
📌 Downtown Kannapolis Hangout (Optional & for Late Departures) :: For those still in town, we’ll spend a little time exploring Downtown Kannapolis, browsing the shops, grabbing a bite or drink, and enjoying the area together.
Location: Downtown Kannapolis | 1:30pE - 3:00pE
🏨 Hotel Planning
When searching for accommodations use 📍Kannapolis, NC 28081 or Concord, NC 28027. Kannapolis is a small city and there are only a few hotels in the immediate area, including:
- Spark by Hilton
- Hampton Inn
Concord, NC is the closest area with a larger selection of hotels, restaurants and shopping. Depending on the property, Concord is approximately 20/25 minutes from my home. Concord area hotel options include:
- Embassy Suites
- Homewood Suites
- Hilton Garden Inn
- Hampton Inn & Suites
Please note and review: Retreat Participation Acknowledgment
By registering for the Soul Collective Retreat, I acknowledge that my participation in retreat activities is voluntary, involves ordinary risks, and is undertaken within my own limits. I understand that retreat activities are not medical, psychological, or other professional treatment.
I am responsible for determining my ability to participate safely. To the fullest extent permitted by law, I voluntarily assume the inherent risks of participation and release the retreat organizer, host, and facilitators from claims arising from those risks, including claims based on ordinary negligence. This release does not apply to gross negligence, reckless or intentional misconduct, or any liability that cannot legally be waived.
If an emergency occurs, the retreat host may contact emergency services and my designated emergency contact. I understand that I am responsible for any resulting medical, transportation, or emergency-service costs.
By completing registration, I consent to being photographed, recorded, and included in the retreat livestream.
By completing registration, I confirm that I have read, understood, and agree to this acknowledgment.
Become the Main Sponsor for Tiny Homes, Big Ideas | A Film Screening & Community Discussion, an evening exploring innovative housing solutions, tiny home living, and the growing movement to expand legal placement pathways for movable tiny homes nationwide.
This event will be held at the Gem Theatre in Kannapolis, NC on Sunday, March 22 from 7:00–10:00 PM, and will feature a short film screening followed by a live conversation and audience Q&A with Jewel Pearson, a 12+ year tiny house on wheels dweller and national tiny house advocate, and Chris Strathy, an experienced tiny house builder known for his creative reuse projects.
As the Main Sponsor, your organization will be recognized as a key partner helping make this important community conversation possible.
Main Sponsorship includes:
• Table presence at the event
• Brief speaking opportunity during the program to introduce your organization
• Recognition on event materials
• Verbal acknowledgment during the program
• Recognition as a community partner supporting national advocacy efforts to expand legal placement for movable tiny homes
• A personalized commemorative coin (provided after the event once produced)
This event also serves as a community fundraiser supporting national advocacy effortsworking to make movable tiny homes a legal and accessible housing option across the United States. Your sponsorship helps support education, conversation, and the ongoing work required to expand housing possibilities for more people.
Sponsor Information Request
To include your organization in event materials, please send:
• Company logo (PNG or JPG)
• Short Company Description: Please provide the description you’d like used for event materials, including any information about your organization’s connection to tiny homes or housing solutions, if applicable.
• Website link
• Preferred contact information to share (email and/or phone)
• Social media handles you’d like tagged (optional)
For Event Recognition
• Name and title of the representative attending the event
• Name of the person who will speak during the program (if different)
How to send:
Please email materials to msbohemiansoul@gmail.comas soon as possible so they can be included in event materials and acknowledgments. If your logo file is large, you’re welcome to send via Google Drive or Dropbox.
Questions or concerns?
If you need assistance, reach out at msbohemiansoul@gmail.com
Please note:
• Sponsor table set-up times will be confirmed once finalized with the venue.
• By sending your logo, you grant permission for it to be used in event materials and promotions related to this event.
Not all of life’s questions fit nicely on a pros-and-cons list.
Should you downsize? Move across the country? Leave your job? Transition to tiny living? Join an intentional community? Redesign your entire life?
These aren't simple yes-or-no questions. They're threshold moments that require you to sit with complexity, sort through noise, assess tradeoffs, and design a path forward that actually fits you and your life.
Without structure, these complex considerations spiral into:
Decision paralysis (too many variables, not enough clarity)
Reactive choices (driven by outside noise, urgency or fear instead of truth)
Expensive mistakes (commitments you have to undo later)
You need a framework. Not someone else’s opinions or answers - a tool that helps you think clearly, evaluate honestly based on your specifics, and move forward with confidence.
That's what this is. A comprehensive workbook that walks you through The Off-Ramp Framework™:
|| Clarify → Align → Navigate ||
Clarify what's driving the consideration and separate truth from noise
Align your options with your actual circumstances, values, and capacity
Navigate a realistic decision and plan with clear next steps
This workbook is designed for complex considerations involving housing, lifestyle, career, community, or any threshold moment where you need clarity and alignment before committing. And it's reusable, so you can return to the workbook to make different decisions at different crossroads.
WHAT YOU GAIN:
By the end of this workbook, you'll have:
✓ Clarity on what's actually driving your consideration
✓ A realistic assessment of your options and constraints
✓ Understanding of tradeoffs you can live with
✓ A structured plan with next steps and timeline
✓ More confidence in your ability to make sound decisions
WHAT YOU GET:
A reusable 36-page structured framework
The same Clarify → Align → Navigate methodology used in my 1:1 Off-Ramp Clarity Sessions™
Guidance through 5 complete stages: understanding your truth, mapping feasibility, evaluating tradeoffs, planning your path, and following through.
This is where confusion becomes clarity, and clarity becomes movement. Where "I don't know" becomes "I know exactly what to do next."
“Tiny house” is often used as a catch-all phrase for all small houses, without understanding there are actually several different types -each with completely different build processes, rules, and legal requirements. How a tiny home is classified affects where it can be placed, how it is regulated, how it is financed, and how it is understood by zoning and building officials. So if you’re interested in owning a tiny house, understanding these distinctions and using the right language matters.
The Off-Ramp Tiny House Reference Guide™ breaks down the major tiny housing types: Accessory Dwelling Units (ADUs), Tiny Houses on Wheels (THOW), Tiny Houses on Foundations (THOF), Park Models, and Manufactured or Mobile Homes -and explains how zoning, code, financing, and placement work for each.
Inside you'll find:
Clear explanations of the major 5 types
Zoning and building code info for each
Where each type can legally be placed
How financing works for each
Key considerations and constraints for each option
BONUS: Practical guidance on working with city and county officials
By understanding these distinctions, you can more accurately navigate zoning and code conversations, assess feasibility, and evaluate which option makes the most sense for your specific situation.
This is the clarity you need before you commit to land, a build, or a purchase -so you're not guessing, so you speak the right language, and so you don't waste time or money.
This is the Digital version of The Off-Ramp Tiny House Masterclass, work through the complete prerecorded four-module Masterclass curriculum and planning materials independently, with lifetime access.
Your purchase includes the prerecorded Masterclass content and accompanying worksheets. It does not include community access, office hours, case studies, workshops, Q&A, or access to Bring Your Plan.
For more than a decade, I’ve lived tiny, designing and redesigning my own home, navigating zoning and placement, and working directly with others as they explore lifestyle redesign, downsizing, and alternative ways of living within systems that rarely make those choices straightforward.
The Off-Ramp framework grew from that lived experience and professional work. It is designed to help you step away from housing models, lifestyle patterns, and systems that do not support how you want to live, and make informed, intentional decisions about what comes next.
This is the same 4-Week Tiny House Masterclass I’ve taught for years, provided here as prerecorded content you can work through independently. It addresses the practical considerations of tiny living alongside the deeper design questions that determine whether a tiny house can support your life over time.
Tiny houses are approached here not as a trend or aesthetic, but as infrastructure, a vehicle that shapes your finances, daily rhythms, land access, long-term flexibility, freedom, and the choices available to you.
The Masterclass is organized into four in-depth modules:
Financing & Budgeting
Planning (Design & Building)
Systems
Placement & Lifestyle
Each module includes worksheets and planning materials to help you apply the information to your own situation, organize your thinking, and understand how early decisions affect later options.
By the end, you’ll have a clearer understanding of which paths make sense for your goals, whether you are considering tiny living for yourself, community development, or investment.
What You Receive:
Four complete prerecorded Masterclass modules
Worksheets and planning materials for each module
Lifetime access to the course content
This Masterclass walks you through the decisions that shape your Off-Ramp, helping you design a housing and lifestyle path around your priorities, your budget, and how you want to live, without prescribing a one-size-fits-all solution.
How You’ll Receive Your Materials
Due to the size and number of files, the Masterclass is not available as an instant download. You’ll receive a separate email with access instructions within 24 hours of purchase.
Questions or concerns?
If you need assistance, reach out at msbohemiansoul@gmail.com
No results found
No results match your search. Try removing a few filters.