FAQ

Financial coaching is a partnership focused on behavior change and personalized strategy. Unlike a financial advisor who manages investments, we focus on helping you gain control over your spending, eliminate debt, and build wealth using proven principles, primarily the Dave Ramsey Baby Steps. We provide accountability, education, and support.

The Baby Steps are a seven-step plan for achieving financial peace. They start with building a starter emergency fund (Step 1) and paying off debt (Step 2), and progress all the way through investing for retirement and building wealth (Step 7). Our coaching is specifically structured to guide you effectively through all seven steps.

Absolutely not. We believe in hard work and smart strategy. Our coaching is based on time-tested principles that require commitment and consistency from you. We focus on building lasting habits, not quick fixes.

The consultation is a judgment-free and exciting 30-minute session where we:

1. Get to know each other and understand your financial goals.

2. Explain the coaching process and how the Baby Steps work.

3. Get a quick overview of your current finances to map out your right path and determine which Baby Step you're on.

No, the initial consultation is complimentary!

This session is a valuable, no-obligation opportunity for us to get to know each other, explain the coaching process, and for you to confirm that I'm the right coach for you and that you're ready to make the necessary commitment to achieve financial freedom. We want you to feel confident and excited about taking this big step!

Yes, absolutely. Financial success is a team sport, and being on the same page is the most crucial factor for moving quickly and effectively through the Baby Steps. We strongly encourage both spouses or partners to attend the sessions.

This is a common question, and we want to be upfront about our process. We find that the most impactful and lasting financial changes happen when both partners are unified and committed to the process.

Therefore, we are currently only able to take on clients where both partners are ready and willing to actively participate in the coaching and the Baby Steps. We require that both individuals be committed to attending the initial consultation and the "Pathway Partner" check-in sessions.

We recommend taking the time to discuss the plan together first. When you are both ready to move forward as a united front, we would be thrilled to welcome you!

Financial coaching is generally not for you if:

• You are looking for specific investment or stock market advice (you need a financial advisor).

• You are not willing to change your spending habits or budget.

• You are looking for a quick fix or a handout.

Financial coaching is a great fit for you if:

• You are tired of debt and ready to make a serious commitment to change.

• You are willing to be coachable, transparent, and follow a structured plan.

• You are committed to seeing the Dave Ramsey Baby Steps through Step 7.

• You are looking for accountability and professional guidance to keep you motivated.

You absolutely can start the Baby Steps on your own, and many people do! However, our coaching is designed to help you finish them faster and stay committed through the tough spots.

Here's the value we add through our coaching:

• Accountability: We serve as your committed accountability partner. It’s easier to stick to a tough budget or debt plan when you know you have a check-in session coming up.

• Momentum & Speed: We help you maximize your "Debt Snowball," navigate unexpected expenses, and ensure you're prioritizing the right steps at the right time—which saves you time and money.

• Custom Strategy: While the steps are simple, your financial life is complex. We provide personalized strategies to apply the Baby Steps to your unique income, debts, and goals.

• Emotional Support: The journey can be frustrating or isolating. We offer non-judgemental support, help you manage money disagreements with a partner, and celebrate every single win along the way.

We provide the focus, structure, and support necessary to turn a good plan into life-changing results!