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78% of Americans live paycheck-to-paycheck. Between living expenses, debt payments and life's curveballs, it's easy to get overwhelmed and hopeless.
Does it feel like there is never quite enough? As soon as you get a little bit in savings, something happens (dog breaks the laptop). And then something else happens (truck needs repairs). One step forward, two steps back is a frustrating "wash-rinse-repeat" cycle when you have goals and dreams, but can't get out of the starting gate.
Financial advice is everywhere on the internet. How to do a budget. How to pay off debt. How to save money. You know! You've googled it! But you are still struggling.
Knowing what to do is different than actually doing it. Winning with money is 20% head knowledge and 80% behavior.
Coaching focuses on your behavior.
"We're in a good place now. We can pay all of our bills at the beginning of the month."
- Chris & Susan
We coach you to harness the power of your most important wealth-building tool - your INCOME!
Coaching is a simple three-step process:
1. We get to know you and your money challenges
2. You tell us how you want things to look different and why
3. We use our training and years of experience to help you get traction and results
"We feel more confident and less stressed about our money now."
- James & Rebecca
You are the hero of your journey. We are simply the guide. No judging. No shaming. No guilt.
We never tell you how to live, and as coaches we will always be honest with you about your best financial interests.
When you commit to coaching, you will experience many of the benefits our clients experience.
Our clients who commit to the process enjoy a feeling of peace because they are in control of their money instead of their money controlling them. They are focused in their efforts because they established financial priorities for today that will make tomorrow better. They have confidence knowing that they are making wise financial choices that will serve them and their families now and long into the future. Finally, for the first time in a long time they celebrate progress.
"Before we started coaching, we had no money and no fun. Now we have thousands of dollars to pay off debt."
- Ed and Allison
How can you get ahead when you can barely keep up? We can help you to find money and free up more of your paycheck.
Reduced income & Job loss
When there's less money, what gets paid and what doesn't? We can help you establish financial priorities and help you put your cash on-hand to the best use.
Debt & Collection Calls
Do you have to turn off your phone because creditors keep calling? The only way to get out of a hole is to stop digging. We can help you tackle your debt and creditors so you are in control and the phones stop ringing.
Why call it a spending plan? Well, who wants to budget? Budget sounds like a money diet. It sounds like arguments. It feels like "lack." We can help you create a unique spending plan, specific to your life, needs and wants, that will leverage every single dollar you make in the month.
Saving for college
Do you want to go into even more debt because you haven't saved for college yet? We didn't think so. We can help you plan for college expenses and save for college.
Saving for retirement
How are you supposed to save for retirement when there's more important demands on your money now? You've got car repairs, personal property taxes, kids sports, holidays, home projects, well, you've got life. We can help you see how much you need for retirement and how much time you'll need to save and create a plan and a timeline to get you there.
Buying a home
Are you ready to buy a home? A home can be a blessing or a curse, depending on your financial readiness. We can help you determine if you are ready and be prepared for the new responsibilities and realities of homeownership.
What is the best way to honor a loved one who left you an inheritance? How should you use it? We can help you consider all of your options and get peace with your decision.
Prioritize your finances
Have you ever tried to do ten things at once? It doesn't work, does it? And it's stressful! The same is true for money. We can help you prioritize your next financial steps so that you and your money are singularly focused on the most important things for you right now for your financial health & wellness.
2nd Marriage Money
Are you on a second marriage? 50% of marriages end in divorce due to financial differences. We can help you as a couple navigate the "His/Hers/Ours" financial struggles and get on the same sheet of music.
Newly Single Money
Did your whole world just turn upside down because you are recently divorced or widowed? All of a sudden life looks impossibly different than before. We can help you deal with all of the money questions, fears and unknowns so you can begin to create peace with your money.
"I used to be afraid to check my bank account balance. Now I love the freedom that budgeting gives me."
Step 1. Sign up for a coaching session (the first one is complimentary)
Step 2. We'll meet via Zoom.
Step 3. At the end of the session, you'll know what coaching looks like and exactly how it can help you. Our goal is to help you decide of coaching is a good fit.
"Now I have an emergency fund for my personal finances and my business. I don't need that line of credit any more because I've got money for my money!"
We are Ramsey Preferred Coaches which means we coach money behaviors backed by timeless wisdom and proven results.
We've been there - years ago we were financially stressed. We got coached, changed our perspective and behaviors and become financially free. We walk the walk every day.
We never stop learning - we continually educate ourselves to bring the best coaching and solutions to you.
We are independent - we don't sell financial products. Our advice is specific to you and purely for your immediate and future financial well-being.