I’m Carmen C. Ray, and I believe that “2 jobs are for 2 people—investing in entrepreneurship is a better option!”

Retirement is about income, not age!

The truth is, relying on social security and Gov't assistance isn’t enough.

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.

What is the 40/40 Initiative?

The 40/40 Initiative is a structured 40-day group coaching program designed for women entrepreneurs who are ready to step into their power and claim the time and financial freedom they desire.

This isn’t just about business. It’s about building a life you love through the 4Ps Framework I’ve developed over years of coaching and business growth:

Purpose – Get clear on your mission and how to turn it into a profitable venture.

Positioning – Learn how to brand yourself authentically and gain visibility offline and online.

Partnerships – Build meaningful, mutually beneficial relationships to accelerate success.

Profits – Create a business model that generates consistent income—without burnout.

Whether you dream of traveling the world, creating generational wealth, or simply having the freedom to work on your own terms, this program is designed to get you there.

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.

" Today’s session was absolutely incredible! "

Thank you for the meaningful and insightful conversations that are bringing us closer to becoming the best versions of ourselves. This journey is about so much more than just business. Reminder: What doesn’t transform, transfers. 👏🏾👏🏾 This was so good! - Denisha, Flt Fitness AZ

" I want to thank Coach Carmen for offering an opportunity to have some coaching from her. "

I've learned many helpful tips and strategies from the group. But particularly sharing my good, new for the week gave me that reflection time that I had not spent a lot of time doing before. I’m doing it more now. - Lisa

" This is the work and part of the process. "

Thank you so much, Carmen, for creating the space for us to have these powerful conversations. Our time together is something that I really look forward to and is always just what I need to help me move beyond challenges. - Tracey, T.A Watford Travels and Watford Enterprises.

" I’m truly honored, fortunate and blessed to have you as a Director. "

I thank you Director Ray for your leadership. I don’t know how you knew what I needed when we talked and I told you what I was experiencing, it just rolled off the tip of your tongue like you had it written down already 😇. - Gregory

4040 Coaches

The 40/40 Initiative is designed to guide you step-by-step through the transformation from uncertainty to clarity, from idea to income, and from limitation to liberation.

Carmen C. Ray

Certified Business Mastery & Lifestyle Coach

Michael Damond

Branding and Marketing Coach

Deniece Fields Russell

Professional Networker and Speaker

What You’ll Gain from the 40/40 Initiative

Mindset Mastery – Break through self-doubt, imposter syndrome, and limiting beliefs.

Personal Branding & Online Positioning – Learn how to confidently share your story and attract the right audience.

Business Strategy & Monetization – Turn your knowledge and passions into a sustainable income stream.

Collaborative Community – Join a group of powerful, like-minded women who are on the same journey.

By the end of the 40 days, you will have a crystal-clear business vision, a monetization plan, and a renewed sense of confidence in your ability to create wealth on your own terms.

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.

Next Cohort Starts Soon – Limited Spots Available! 📍 Click Below to Apply Now!