Welcome to Wealth and Wisdom Coaching
Personalized Financial Coaching with Justin Jarrell
I’m Justin Jarrell, a Financial Coach based in Bellingham, WA. I help people take control of their money through clear, practical guidance based on Dave Ramsey’s 7 Baby Steps—a plan that’s helped millions, including my own family, get out of debt, build wealth, and gain peace of mind.
Current rate: $95-$110 per 60-minute session.
Send inquiries to: justin@wealthandwisdomcoaching.com, or
What I Coach
As a Ramsey Solutions Master Financial Coach, I teach practical money skills and help my clients apply them with focus and follow-through. Using the 7 Baby Steps as a roadmap, I guide people from financial stress to stability—and from confusion to confident decision-making.
My coaching is hands-on, structured, and tailored to your goals. I don’t sell financial products or give investment advice. Instead, I equip you with the tools and mindset to take control of your money and build lasting progress.
Here are sample skills you will gain from coaching:
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I’ll teach you how to build and manage a zero-based budget using Ramsey’s Every Dollar app, track your spending, and create margin month over month. You’ll learn how to stay in control—not reactive.
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I guide you through the debt snowball method, helping you organize debts, build a step-by-step payoff strategy, and stick with it—even when motivation fades.
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Whether it’s building your emergency fund, preparing for a home down payment, or saving for major expenses, I’ll help you set clear targets and stay consistent.
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I help you understand how goals like investing 15%, saving for college, or paying off your mortgage early fit into your bigger financial picture—and how to plan for them without stalling your progress.
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Most people know what they should do. I help you actually do it—with structure, regular check-ins, and real accountability.
Who I Coach
I coach people in a wide variety of life situations, including:
College students – Build smart habits, avoid debt, and manage money with confidence.
Recent grads – Budget on a new salary, tackle student loans, and plan next steps.
Single professionals – Balance rent, bills, savings, and lifestyle with a solid plan.
Couples – Merge finances, align on goals, and reduce money stress together.
Divorced individuals – Rebuild your financial life and plan ahead on a single income.
Single parents – Manage the household budget solo while caring for your kids.
Homebuyers – Understand affordability, save for a down payment, and prep for ownership.
People with debt – Get a clear, doable plan to pay off credit cards, loans, or medical bills.
Therapy clients – Pair emotional growth with practical money guidance.
Life transitions – Navigate change with a steady financial game plan.
High earners – Get organized, gain clarity, and take control of your cash flow.
Advisor clients – Complement investing advice with real-life budgeting and follow-through.
About Your Coach
I grew up in a household where money was tight but managed with care. My parents worked multiple jobs, avoided debt, and showed me the value of living within your means. I started working at 13, and by the time I graduated college, I had learned how to earn — but not how to manage money.
In my twenties, I made a decent income but lacked direction. I leased a car I couldn’t afford, saved inconsistently, and lived paycheck to paycheck. By 30, I realized I had been working hard but hadn’t built anything lasting. When my spouse and I married, we carried $90,000 in student loan debt. We decided to create a plan, pay off our debt, build an emergency fund, and start investing.
Today, we manage our money with clarity and purpose — and I help others do the same.
I’m a Ramsey Solutions Master Financial Coach and currently pursuing the Accredited Financial Counselor (AFC®) designation through the Association for Financial Counseling & Planning Education® (AFCPE®).
My Coaching Process
We’ll look at where you are, what you need help with, and how coaching can move you forward—at your pace, with a plan that actually works.
1. Free Intro Call (15 min)
We’ll talk about where you are, what’s stressing you out, and whether coaching makes sense. No pressure—just a real conversation.
2. Pick What Works for You:
Option A: Coaching Game Plan (60 min - $95 per session)
First: A Discovery Session
We’ll lay everything out—your income, spending habits, debt, savings, and goals—and build a clear, realistic plan that works for you.
Then: Ongoing Coaching Sessions
We’ll keep it practical in order of the Baby Steps. You’ll learn skills like how to:
Build a budget
Pay off debt faster
Stop living paycheck to paycheck
Save for what matters next—without guessing
Option B: Ad-Hoc Coaching (60 min – $110)
Just need help with one big thing? We’ll focus on what’s most urgent—whether it’s building a basic budget, deciding how to pay off debt, or preparing to buy a house. You’ll walk away with a next step that makes sense and fits where you are right now.