A private financial coach for the money you don't talk about.

Free content is great for general principles. It’s not great at telling you what to do with your numbers, on your timeline, given your life. Most people we work with already know roughly what they should be doing — they’ve watched the videos, they’ve read the books, they’ve tried the apps. What they don’t have is someone who knows their actual situation, holds them accountable when life gets messy, and adjusts the plan when something changes. That’s coaching. If you are comparing titles, see financial coach vs. debt coach. And we do it privately — you’re not going to end up on anyone’s video.

The same reason people pay for personal trainers when YouTube has free workout videos. The information isn’t the bottleneck. Showing up, following through, and adjusting when life happens — that’s the bottleneck. The difference between accountability and discipline matters here. If “just read more articles” worked, you’d already be debt-free. You’re hiring a coach to actually do the work, not to learn what the work is.

No. We don’t take referral fees, we don’t sell insurance or investment products, we don’t have bank partnerships, and we don’t run affiliate links. The only money we ever make from working with you is the coaching fee you pay directly. Full breakdown on the About page.

Two plans:

• Monthly — $400/month, no commitment.
• 12-month plan — $250/month. This is where most clients land — the longer runway produces the best results.

Both plans include bi-weekly coaching calls, unlimited text and email support between sessions, and a custom payoff plan built around your actual numbers. No upsells, no hidden fees, no surprises.

Compare every option, term, and cancellation policy.

Book the free call anyway. Seriously. We’ll spend 30 minutes on your actual situation, and you’ll leave with a clearer picture of where you stand than you have now — whether or not coaching ends up making sense. If coaching isn’t the right fit, we’ll point you toward what is: free nonprofit credit counseling, a bankruptcy attorney if that’s what your situation actually calls for, or just a clearer plan you can run yourself. We give honest advice on the free call. No pressure to sign up.

That depends on how much you’re carrying and how much you can put toward it each month. You can estimate it with the debt payoff calculator. On the discovery call, we’ll calculate your projected debt-free month and year from your real numbers — a specific date, not “someday.” What coaching is aimed at is closing the gap between the plan and what actually happens each month, since the quitting-and-restarting cycle is what stretches most solo attempts. In a randomized trial funded by the Consumer Financial Protection Bureau, people offered financial coaching reduced their debt by an average of $10,644 more than a control group.

Sometimes, yes — when it’s the right answer. We’re not ideologically opposed to either. Bankruptcy is the right call for some situations, and a well-structured consolidation loan can be useful in others. What we won’t do is push either one when it isn’t the right answer for you, and we won’t refer you to a debt settlement company under any circumstances. We’ll tell you what we actually think, not what makes us money. (For most clients, the answer is neither — coaching gets you out faster without the credit damage.)

No. We work with clients nationwide. All coaching is done virtually by video call, so you can be anywhere in the U.S. and we can work together. Tampa Bay clients sometimes ask about meeting in person; we don’t do that, both for scheduling reasons and because the virtual format is genuinely better for the work.