Certified Dave Ramsey Coach
Financial Coaching
How to Get Started
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Book A Consultation
This is a hassle-free, no-obligation call designed to get to know each other a bit better. It provides me with the opportunity to hear more about your unique situation and specific needs while also giving you a chance to determine if we will be a good fit for one another in terms of working together to meet your goals.
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Create A Plan Together
Once we carefully outline your areas of biggest need and identify the key challenges you face, we’ll work collaboratively together to create a detailed plan aimed at helping you effectively reach your goals.
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Work The Plan Together
True change comes when behavior is genuinely adjusted, not simply through the superficial understanding of concepts alone. I’m here to coach you along the way, providing support and guidance to help you reach your specific goals and aspirations effectively.
You can reach your financial goals with the right strategies, dedication, and support!
No matter how daunting or unpleasant the financial mountain you are currently facing may seem, you can certainly learn time-honored truths about money that have the potential to profoundly change your entire life for the better. Paychecks are undoubtedly the number one wealth-building tool in your life, providing the essential income necessary to support your financial goals and aspirations.
However, many people in America find themselves living paycheck to paycheck, facing the challenges of crippling debt that continually hinders their ability to invest in their future. You can change all of that with focused attention and careful management of your money! By taking the time to understand your finances better, you can make informed decisions that will positively impact your financial future.
It is time to start taking charge of your financial situation by telling your money what to do, rather than allowing your money to control your life and dictate your decisions any longer. Personal finance is comprised of approximately 80% behavior and only around 20% head knowledge or theoretical understanding. As a Dave Ramsey preferred coach, I am dedicated to helping you develop the essential financial behaviors that you will need to achieve success in your wealth building goals and aspirations. Together, we will create a personalized plan that aligns with your vision for financial stability and growth. As a fundamental foundation to the overall process we implement, we utilize the Ramsey Baby Steps.
Thousands of individuals have successfully transformed their financial lives by following these essential steps, and you can absolutely do the same! It may seem challenging at first, but with dedication and the right approach, achieving financial stability is within your reach. As a Ramsey Preferred Coach, I am here to help you navigate your financial journey effectively and with confidence!
How can you effectively pay bills, manage and pay off debt, handle payments for your kid’s various activities or college expenses, and also find ways to invest for your future? These are truly fantastic and important questions that will all be part of your overall financial landscape! Understanding how to balance these aspects is crucial for long-term stability and success.
This is not merely a get rich quick scheme; rather, it emphasizes the importance of establishing faithful financial habits that can significantly change the way you live your life for the better. As the well-known financial expert Dave Ramsey often says,, “You live like no one else would so later you can live like no one else can!”
Let's get started on your path to financial clarity and success! Schedule a Financial Coaching session with us today to take the first step toward achieving your business goals.
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$1,000.00 Emergency Fund:
In this first step, your goal is to save $1,000 as fast as you can. Your emergency fund will cover those unexpected life events you can't plan for. And there are plenty of them. You don’t want to dig a deeper hole while you’re trying to work your way out of debt!
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Pay off all Debt (Except the house):
Next, it’s time to pay off the cars, the credit cards and the student loans. Start by listing all of your debts except for your mortgage. Put them in order by balance from smallest to largest—regardless of interest rate. Pay minimum payments on everything but the little one. Attack that one with a vengeance. Once it's gone, take that payment and put it toward the second-smallest debt, making minimum payments on the rest. That's what's called the debt snowball method, and you’ll use it to knock out your debts one by one.
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Save 3 - 6 Month of Expenses:
You’ve paid off your debt! Don’t slow down now. Take that money you were throwing at your debt and build a fully funded emergency fund that covers 3–6 months of your expenses. This will protect you against life’s bigger surprises, like the loss of a job or your car breaking down, without slipping back into debt.
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Invest 15% of Your Household Income in Retirement:
Now you can shift your focus off debts and what-ifs and start looking up the road. This is where you begin regularly investing 15% of your gross income for retirement. Because if you're still working at 67, it should be because you want to, not because you have to.
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Save for Your Children’s College Fund:
By this step, you've paid off all debts (except the house) and started saving for retirement. Next, it's time to save for your children’s college expenses (that is, if they pass Algebra II and Chemistry). We recommend 529 college savings plans or ESAs (Education Savings Accounts).
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Pay Off Your Mortgage Early:
Now, bring it all home. Baby Step 6 is the big dog! Your mortgage is the only thing between you and complete freedom from debt. Can you imagine your life with no house payment?
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Build Wealth and Give:
You know what people with no debt can do? Anything they want! The last step is the most fun. You can live and give like no one else. Find out your current net worth, then keep building wealth and become outrageously generous, all while leaving an inheritance for your kids and their kids. Now that's what we call leaving a legacy!
My Mission:
My mission is to guide Christian families on their journey towards becoming truly debt-free, providing unwavering support and genuine encouragement throughout this significant process. I aim to shine a light on the important aspects of personal finances, financial stewardship, and responsible money management principles, helping families navigate this transformative journey with confidence and peace of mind every step of the way.
Most Common Questions
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A financial coach helps you create goals and actually stick with them so you’re not just dreaming about financial peace—you’re living it. Financial coaching is different from any other finance-related job. CPAs help you with your taxes. Financial advisors help you with investments. But financial coaches work with you to create a start-to-finish plan for your money and help keep you on track.
Financial coaches often work with their clients over several sessions—focusing on anything from fine-tuning your budget to discovering your long-term goals to working through a real financial crisis. No matter the situation, financial coaches sit with you one on one (we call it “kneecap to kneecap”) to help you overcome the challenges that hold you back in your finances.
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That’s the great thing about a financial coach—they can help you in any situation! Maybe you’re up to your eyeballs in student loans or credit card debt, or you’re having money fights with your spouse. Or maybe you have big money goals—like saving to buy a house or setting yourself up for retirement—but no plan to achieve them. Regardless, a coach can meet you where you’re at and steer you in the right direction to win with your money.
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Coaching is meant to put money back in your pocket, not take it out. It’s the best way to help you develop the right money habits and put an end to your money problems. Some people will ask if they can afford it, but maybe you should ask yourself, Can I afford to not get help from a coach?
If you’re trying to get out of debt, other options (like credit counseling and bankruptcy) only manage the symptoms. They don’t change the habits that got you there. And the cost of bankruptcy is more than a financial burden—it’s a stain on your personal record.
There’s no better way to establish good money habits than by having a personal money mentor who understands your situation. And sidenote: You should never be ashamed of your financial struggles when working with a coach. They’re here to encourage you. These men and women are trained professionals who work with people from all walks of life and all ranges of income. Whatever you’re going through, it’s okay.
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Marriage is not “me”—it’s “we.” Working on your finances together is the only way to succeed when it comes to money. Not only that, many couples find that talking about money actually reduces stress in their marriage. It’s so important, we’ve made it one of our core teachings.
If you’re having difficulty getting your spouse on board, let your coach know.
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The great part about working with a financial coach is that they’ll guide you through every step of the process. But during your first consultation, your coach will ask questions to get to know you—your goals, your dreams, your past, your pain points, etc. So be sure to have your answers ready.