My Programs

If you’re a woman over 50 who’s ready to redefine success, build a sustainable income, and live life on your own terms, you’re in the right place.

I created The 40/40 Initiative to provide you with the tools, strategies, and mindset shifts needed to turn your experience, wisdom, and skills into a thriving business.

Why the 40/40 Initiative Works

Too many women over 50 feel stuck, undervalued, and unsure of where to start when it comes to making money outside of traditional employment.

👉 Maybe you’ve worked a corporate job your entire life and now want to build something for YOU.

👉 Maybe you’re tired of trading time for money and want to create income that works for YOU, not the other way around.

👉 Or maybe you’re passionate about helping others and just need the right strategy to make it profitable.

Who Am I & MY Why

Hey, I'm Carmen Ray

My passion for empowering women entrepreneurs over 50 comes from years of personal experience in business, coaching, and leadership.

As the Founder of Be Well Travel & Lifestyle Magazine, a Certified Business Mastery & Lifestyle Coach, and a Best-Selling Amazon Co-Author, I’ve built a career around helping women create freedom-based businesses that align with their values.

I know firsthand the struggles women face when they step into entrepreneurship later in life:

🚧 Feeling overwhelmed by where to start

🚧 Struggling with confidence in the online space

🚧 Not knowing how to market themselves effectively

🚧 Fear of technology or business systems

That’s why I created The 40/40 Initiative—to eliminate the guesswork and give you a clear, proven roadmap to success.

Your time is NOW. If you’re tired of waiting for the perfect moment and are ready to start living life on your terms, The 40/40 Initiative is your answer.

Limited Spots Available! 📍 Click the button to join us!