She graduated from Bismarck High School in 1978, earned a Bachelor of Arts degree in History from Minnesota State University Moorhead and a Master of Arts degree in Management from the University of Mary in Bismarck. She is currently nearly finished with a Master of Theology degree from the Augustine Institute in Denver. She began her career at KUMV in Williston as a reporter and anchor before being hired to anchor at KMVT-TV in Twin Falls, Idaho. She returned to North Dakota in 1988 to work at KFYR-TV as a reporter and anchor. She was promoted to KFYR-TV News Director in 2004, while working as a host/co-anchor for First News at Five, The Evening Report, and began co-hosting North Dakota Today in 2013. As News Director she has received three regional Emmy awards for Best Newscast and has twice been named Best Television Anchor by the North Dakota Broadcasters. She is the author or co-author of several books, including the Gift of Death, The Dream Maker, Nice and F.A.T., Dakota Daytrips and More Dakota Daytrips, and has had her work published in numerous magazines and newspapers. Monica is married to KFYR-TV weatherman Cliff Naylor and they have three children and a daughter-in-law. Her hobbies are quilting and tennis.