Your job offers a retirement plan, but it may as well be written in another language.

With coaching:

• Understand retirement basics

• Choose the right options for your goals

• Start investing with confidence
  

Starting early is more powerful than starting big.

You’re ready for your own space, but rent, deposits, and setup costs feel impossible.

I can help you:

• Set a clear savings goal for first month, deposit, and essentials

• Delay the move until your starter emergency fund is built

• Budget out your future rent and bills so nothing catches you off guard

Independence is doable—but not if you skip the foundation.

You avoid checking the balances. The payments are random. Interest is eating you alive.

With coaching:

• List your debts from smallest to largest—no judgment

• Cut unnecessary spending so you can attack them with intensity

• Build momentum with quick wins (hello, smallest credit card balance)

Debt freedom isn’t about math—it’s about small wins and motivation.

You make more now—but it seems to disappear the second it hits your account.

Let me help you:

• Create a zero-based budget that gives every dollar a job

• Get current on bills so you’re not always playing catch-up

• Build in margin so you’re not over-drafting by the 20th

Making money doesn’t fix the problem—managing it does.

A surprise medical bill. A flat tire. Your job cut hours. Suddenly you’re short on rent.

Coaching will help you:

• Build your first $1,000 emergency fund fast—before anything else

• Use a separate account so you don’t “accidentally” spend it

• Pause extra debt payments until this cushion is in place

You don’t need $10k to feel secure—just a starter fund you don’t touch.

You’re constantly stressed. One wrong move and you’re back at zero.

With coaching:

• Build a full emergency fund (3–6 months of expenses) after debt is gone

• Use sinking funds for things like car repairs, holidays, and travel

• Track every dollar with a budget that works before payday

Peace comes when your money stops controlling you.

Your current car barely runs. You feel stuck between junkers and bad loans.

Coaching can help you:

• Save cash toward your next car instead of financing it

• Plan for insurance, taxes, and maintenance—not just the sticker price

• Upgrade slowly—debt-free, every time

The car is a tool. Not a financial trap.

You’re scared to use credit cards. Or you already messed up and feel stuck.

I’ll coach you to:

• Pay off debt instead of chasing points or rewards

• Avoid cosigning, balance transfers, and personal loans

Credit isn’t the goal—freedom is.

Money makes you anxious because no one ever showed you what to do.

With coaching:

• Learn the exact order to handle your money: emergency fund → debt → savings → investing

• Build habits now so you don’t keep restarting

• Ask anything—no shame, no fluff, no lectures

You don’t need to figure it out alone.

You’re told to save, but between rent, debt, and gas money, there’s nothing left—and no clear goal.

With coaching:

• Start with your $1,000 emergency fund—before saving for anything else

• Build a clear savings path: starter fund → debt freedom → full emergency fund

• Avoid saving for a vacation while you’re still putting groceries on a credit card

Saving works best when it follows the right order. Security first—extras later.

You’re splitting rent, dinners, and trips—but no one talks about what they can actually afford. It’s awkward. Sometimes it feels unfair.

Let’s:

• Set financial boundaries that protect your goals—even if friends spend differently

• Say “I can’t swing that right now” without guilt or shame

• Stick to your budget even when peer pressure shows up

Peace with money often starts by telling the truth—kindly and clearly.

It’s a big check. You want to be smart with it, but the temptation to blow it is real. This is very common.

With coaching:

• Make a step-by-step plan before the money hits your account

• Put the refund toward your emergency fund or debt—not just brunch and impulse buys

• Split the money with purpose: stability now, fun later

A tax refund isn’t a bonus—it’s your money coming back. Use it to move forward, not just catch up.