Naiya Mehta, Esq.

Let's Get Lit!
Learn Financial Literacy & the Language of Money

Former federal attorney. Real estate investor. Public speaker. Naiya motivates young minds to implement solid financial habits that build a lifetime of wealth.

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Naiya Mehta, Esq.

From Attorney to Investor to Retired at 40

Naiya Mehta arrived in Chicago from India as a one-year-old. Her family lived undocumented for years—hiding from police cars, spending hours between the local library and neighborhood laundromat. After President Reagan legalized her family's status in 1986, she set her sights on becoming a judge.

She earned her J.D. from the University of Illinois College of Law, ranked a Top 20 Law School. She married young and spent nearly a decade as a federal attorney in Los Angeles. But during that time, she discovered a different passion—real estate—and built Lyric Investment Group, a real estate investment and development firm.

"I loved the practice of law but I knew my job alone wouldn't give me the financial freedom I craved, so I started a side-hustle. My mom worked 12 hour days when I was a child, and I wanted to create a different memory for my own children. I wanted to be present."

Today, Naiya is a committed mentor and public speaker who advocates for entrepreneurship and financial literacy—particularly F.I.R.E. (Financial Independence, Retired Early). In her early 20's, she created a precise roadmap to financial success. 15 years later, she retired, having made enough money to survive the rest of her life without ever having to work another job. Now she spends her time volunteering on various boards and most importantly, spending time with her teenagers.

  • J.D., University of Illinois College of Law
  • California-Licensed Attorney
  • Former U.S. Federal Fraud Attorney
  • CEO & Founder, Lyric Investment Group
  • Board Member, UC Irvine School of Business
  • Former Board Member, Chicago's TEDx Talks
  • FAT F.I.R.E. by age 40

3 Factors That Often Lead to Financial Collapse

Naiya's signature talk breaks down the three silent forces that financially derail many adults, and she offers mechanisms to recognize and defeat them. Grounded in real stories, not textbook theory.

1

Lack of Discipline

"I want this now."

Overspending, credit dependency, and failing to build an emergency fund. Debt compounds silently and you end up paying interest on your interest. Learn to build guardrails against impulse before habits set in.

2

Social Pressure

"Everyone else has it."

Social media compresses visibility and distorts what's normal. Lifestyle inflation becomes an endless loop with no natural stopping point. Learn to quietly build wealth instead of performing it.

3

Negative Self-Talk

"I'm just not good with money."

Low financial literacy leads to avoidance—ignoring statements, skipping planning, accepting bad outcomes. Learn to replace shame with clarity, making finances visible, simple, and a daily habit.

Key Insights

Poor financial behaviors feel harmless (even rewarding) in the moment. But financial consequences are delayed and nonlinear. By the time they're visible, your options are constrained. The time to learn is now.

High School Assemblies Career Days College Prep Programs Youth Conferences Teacher Professional Development
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FinLit Classroom in a Box

California's AB 2927 requires every high school student to complete a personal finance course before graduation, starting with the Class of 2030–2031. Most schools don't have the teachers, curriculum, or tools to make that happen.

FinLit Classroom in a Box is a turnkey financial literacy curriculum designed so any qualified teacher can walk into a classroom and deliver a full semester of personal finance education—with confidence.

California Mandate

AB 2927 (signed 2024) requires a standalone personal finance course for graduation. Courses begin 2027–28. FinLit Classroom in a Box is built to align with the state curriculum framework.

This isn't another app or worksheet packet. It's a complete teaching system built by a practitioner who manages real money, real investments, and real financial decisions every day.

  • Day-by-Day Lesson Plans

    Full semester curriculum with slides, activities, and discussion guides for every class session.

  • Assessments & Rubrics

    Pre-built quizzes, projects, and grading rubrics aligned to the California curriculum framework.

  • Real-World Simulations

    Budget builders, credit score simulators, and investing sandboxes that make abstract concepts tangible.

  • Teacher Training

    10–15 hour professional development program. Teachers walk in classroom-ready, not overwhelmed.

  • Outcome Tracking

    Student progress dashboards and comprehension benchmarks so districts can measure impact.

A Story You Need to Hear

For years, Naiya lived undocumented in Chicago—she kept out of trouble, networked relentlessly, and spent every free moment reading biographies about rich people.

People say "the key to wealth is having a rich family or being white, or a man." Perhaps it's easier when you have that, but I'm none of those things. All I had were my books, daydreams and my bias for action.

With a networth of $0 and eyes wider than her pocketbook, Naiya bought her first apartment building at age 25 and discovered a different kind of power: the power of equity and compounding interest.

One property turned into two, which turned into 10, and so on. She built Lyric Investment Group from the ground up, managing multi-family properties in Chicago and single-family rentals in Southern California. She started an investment fund that generated 12–20% returns. She designed and built micro-apartments near downtown Chicago that caught the attention of developers, journalists, and even Chicago's Mayor.

I love that I'm the money guy in the room. I'm the reason that these projects happen, and my presence reminds people that young women can be in private equity and finance, too. No I'm not the legal secretary, I'm the lawyer. No I'm not the real estate agent, I'm the investor. I love this flex.

Naiya speaks about money because she knows that financial literacy isn't something most families teach—especially immigrant families, families living paycheck to paycheck, or even wealthy families where money was a source of conflict, not conversation. She wants everyone of all ages to learn the language of money before they need it, not after they've been burned by it.

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Naiya speaks at high school assemblies, youth conferences, adult shelters, investor summits and professional development sessions.

Based In

Southern California & Chicago