Master Your Finances

I am here to coach YOU to financial independence.

Using the Ramsey Solutions Baby Steps as a foundation; you will receive TAILORED coaching to eliminate debt, build an emergency fund, and begin to build wealth.

Behavioral Change

You might have watched or listened to Dave Ramsey and his team on YouTube or your favorite podcast service.  For over 30 years Dave has given financial advice to have people eliminate debt, save towards financial peace, and give generously to others.  It is a show, and while what Dave or one of his co-hosts advises the caller is correct, the approach is not coaching.  The advice is just a few minutes and needs some entertaining factor to help sustain the show in the long run.  True behavioral change and building a relationship with your money is achieved through understanding the need to change, how to achieve the change, and persistence until it becomes part of your regiment.  This is where having a coach comes into the picture. 

Weight Management Coach, Physical Health Coach, Career Coach, Relationship Coach, Mental Health Coach, Acting Coach, Voice Coach, Financial Coach

There is no need to go into the enormous number of resources available through the internet to find the answers you need for the changes you may want or need to make in life.  The basic framework that we will work through is just a little further down this page.  We all might need a coach at different stages of our development to keep us accountable, on task, and mentor to change our behavior.  There is a coach for just about every talent or need imaginable.  For some people they just need a jump start, and they can self-guide themselves.  Others will need a longer-term solution.  During our free 1-hour initial consultation you will determine what coaching regiment is best for you...AND...this regiment can change at any point in our coaching relationship.  

Remember this: A coach is to help mentor and guide you, not do YOUR work.  You need to build your strength in the area of help the coach is assisting you with.  In our relationship, you will need to track how to build a budget, reconcile the budget, save, pay off-debt, etc.  I’m here to guide you towards the best way to pay off debt, build an emergency fund, and move towards financial freedom.  I cannot make you do any of it, I can only guide and support you towards the goals that you create.

The Game Plan

Here is the game plan, borrowed by Ramsey Solutions 7 Baby Steps (with an additional step that I added).  But first a quick side note.  I am NOT an employee of Ramsey Solutions or affiliated with the organization in any way.  I did complete the Ramsey Solutions Financial Coach program.  Not being affiliated with Ramsey Solutions allows me to have more freedom in tailoring your financial solutions. 

The 8 Baby Steps

Step 1: Save $1,000 for your starter emergency fund.

Step 2: Pay off all debt (except the house) using the debt snowball.

Step 3: Save 3–6 months of expenses in a fully funded emergency fund.

Step 4: Create a sinking-fund

Step 5: Invest 15% of your household income in retirement.

Step 6: Save for your children’s college fund.

Step 7: Pay off your home early.

Step 8: Build wealth and give.