While my mission and passion is to help military and veterans, I do come across non-military affiliated people who are a good fit for my coaching and so if this is the case, I most certainly will help if I can.   

I've made my share of money mistakes, so there's no judgment here. It's your money, and you can spend it as you wish. My role is not to judge, but to paint you a clear picture of what has been happening with your money every paycheck. With this new clarity, we can identify areas where you are spending on things you don't really value. This creates the margin needed to put your money towards what truly matters to you. 

1. You’re sick and tired of worrying about money
2. You find yourself constantly googling ways to solve your money problems
3. You’re exhausted from playing the shell game with your credit cards
4. You want to break the generational “family curse” of being broke
5. You dream of a better life for your family
6. You’re just starting out in life and want to learn how to handle money the right way
7. You handle money pretty well but just want to fine-tune a few areas of your financial plan
8. You’re ready to make changes but either don't know how or don’t want to do it alone
9. You know what you need to do, but realize you can do it so much quicker with the guidance and accountability that a coach can offer

Yes, I can help you. I’ve been there, and I know how it feels. I know things seem dark right now, but I’m here to show you that there is hope for your situation. I can lay out your options and help you see a different perspective on the situation than you probably can right now because you’re scared. 

When we’re scared, we tend to panic, and we don’t always make the best decisions, so it helps to have an outside perspective. Dramatic change won’t happen overnight, but I can help you take some actionable steps that can provide some immediate relief from your situation. Once the immediate “fire” is put out, we will work to straighten out your situation, and you will notice more and more peace. Before you know it, you will have control over your money, perhaps for the first time in your life, and you can finally begin to focus on the future.

"Financial Coach" is a relatively new term that has gained some popularity over the last 30 years. A Financial Coach is someone who helps you identify areas of your everyday finances where you could make changes (some small and some big) that will dramatically improve your current situation and your future. Have you ever felt like you only had one option? Or that you had to choose between a horrible option and a slightly less horrible one? As a financial coach, I help my clients see their situation from a different perspective. You’re so close to the problem that you might not be able to see all of your available options. Options equal freedom.

No. A financial coach helps you with your day-to-day financial picture. We help you establish and stick to a budget, prioritize and pay off debt, establish an emergency fund, save for kids’ college, understand the importance of saving for retirement, etc. I will not try to sell you insurance or stocks. I’m not allowed to; it’s against the law because I don’t have those types of licenses. When you’re ready to invest or need specific tax advice, I can help you find a professional who specializes in that area.

While there are different types of financial advisors, they help with big-picture things like investment management, tax planning, and estate planning.

Both are important people to have in your corner, but we are not the same.

I’m a certified financial coach with training from Ramsey Solutions’ Financial Coach Master Training program. This impactful course taught me how to uncover the root causes of financial stress—beyond just addressing the symptoms—so I can help you with everything from budgeting and debt reduction to managing collectors, saving for the future, setting ambitious goals, and building lasting wealth.

Before earning my certification, I applied these very principles to transform my own financial life. My husband and I once struggled with deep debt and lived paycheck-to-paycheck despite earning a good income. By embracing proven strategies, we eliminated $120,000 in debt and freed up an extra $3,000 each month that had been tied up in minimum payments. I understand what it feels like to lie awake at night worrying about money, and I know how overwhelming it can be when finances seem out of control. That's why I'm on a mission to help others with their own personal financial struggles. 

Today, I'm thrilled to be elevating my expertise through advanced training at the Financial Coach Academy with Kelsa Dickey. This innovative program is equipping me with cutting-edge strategies that will drive transformative results, empowering you to achieve a brighter financial future. Together, we can create a personalized plan that empowers you to overcome financial challenges and build the future you deserve.