Self-employed?
Plan for uneven income.
A good month should help carry a slow one. Build a personal budget around uneven payments, household bills, debt, and cash reserves—with a clear plan for what to do when money arrives.
Talk about the months that work, the ones that do not, and how Sam could help. Your first 30-minute conversation is free.
Personal financial coaching for self-employed income
Goalpost Finance helps freelancers, independent contractors, commission earners, and small-business owners manage the personal side of variable income. Sam works with you on household spending, cash reserves, debt payments, and a routine for moving money from income received to the jobs it needs to do.
We look at slow, strong, and typical months to build a baseline you can review. Tax planning, bookkeeping, entity decisions, and business-growth advice remain with the relevant professionals; Sam can help you budget for amounts your tax professional recommends.
The recommended plan is $250/month, designed for 12 months of work. The $400/month option lets you decide one month at a time. Both include the same support, are billed monthly, and can be canceled at any time.
Both include a 90-minute assessment, a personal plan, private calls every two weeks, unlimited text and email support, and your Goalpost portal. You work directly with Sam Krupit, founder of Goalpost Finance, virtually across the United States. No commissions, product sales, or referral fees.
See services and pricing · Read client reviews
If your household includes a partner, couples financial coaching brings both people into the plan. If income is steady and the main problem is bill timing, explore personal budget coaching.
Sound familiar?
Self-employed clients don't come to me because they're bad with money. They come because everything written about money assumes a paycheck that shows up every two weeks — and theirs doesn't.
The feast-famine cycle
A strong month can make more spending feel affordable. A slow month then puts pressure on savings or credit cards. We plan how to use the surplus before treating it as available to spend.
The tax ambush
Nobody withholds for you. April — or a quarterly deadline — arrives and the number is bigger than what's in the account. So it goes on a payment plan or a card, and now the tax bill is debt too.
Every budget assumes a salary
“Give every dollar a job” is great advice when you know what the dollars will be. Every app and book wants a monthly income number you simply don't have. So the plan dies by February.
Budgeting advice is written for salaries.
Your income isn't one.
The fix isn't more discipline, and it isn't predicting your income better. It's a system designed for the swings: a baseline built on your lean months, a buffer that turns great months into calm ones, and someone checking in as the months actually happen.
— Sam Krupit, Finance Coach
How coaching works for variable income
No generic programs. A system built on your real invoices, your real slow season, and your real numbers.
The 12-month look-back
We map your actual income month by month — best, worst, and typical — plus spending, debts, and what taxes have really cost you. That gives us a starting point for a plan that accounts for the ups and downs.
A baseline built on lean months
Use your actual income history and essential costs to set a baseline, then test it against slower periods. If the income does not cover the baseline, we identify that gap rather than assume a buffer solves it.
Buffer + tax set-aside, automated
Agree on what to reserve when a payment arrives: household needs, a cash buffer, debt, and tax amounts set with your tax professional. You decide which transfers to automate and review them when income changes.
Check-ins that flex with reality
Every two weeks we look at what actually landed and adjust. Slow season coming? The plan bends before it breaks. Big invoice cleared? It has a destination before it evaporates.
Want to start with the process? Read how to budget with irregular income for a practical way to organize paydays, essential costs, and a slow-month buffer.
“He was very calm and patient throughout the entire process and I felt no judgment at all. I would recommend him to anyone who is sick of being in debt.”— Verified Goalpost Finance client
About Sam
I'm Sam Krupit, AFC® — an Accredited Financial Counselor® and finance coach working privately, one-on-one, with clients across the country. I don't sell investment products, take referral fees, or put clients on camera. I build plans and keep people on them.
For self-employed work, I focus on the connection between money arriving and the life it needs to support. We build a practical routine for that uncertainty, then review it as actual payments and expenses come in.
If that's you, the free call is the right next step.
Common Questions
Can you help me budget when income changes every month?
Yes. We review your income history, essential spending, upcoming bills, and reserves. Together we set a baseline and a rule for stronger months, then review whether the plan holds when actual income arrives.
Do you work with freelancers and small-business owners?
Yes, on their personal and household finances. That includes freelancers, independent contractors, commission earners, and business owners whose take-home income varies. Goalpost does not provide bookkeeping, business consulting, or investment management.
Can you help with self-employment taxes?
Sam can help you make room for tax payments in your cash-flow plan and build a set-aside routine. Your CPA or other qualified tax professional determines estimates, deductions, entity questions, and tax strategy.
What if slow months have pushed me into debt?
We look at the debt payments alongside essential spending and realistic income. A debt payoff plan needs to account for that variability. If basic costs and required payments cannot be covered, we discuss that constraint before adding an ongoing fee.
Can my partner join the work?
Yes. If household decisions involve both of you, couples financial coaching can bring both partners into one plan. Both partners are included in the same monthly fee.
How much does coaching for self-employed clients cost?
The recommended plan is $250/month, designed for 12 months of work. The $400/month option lets you decide one month at a time. Both include the same support, are billed monthly, and can be canceled at any time. Both include a 90-minute assessment, a personal plan, private calls every two weeks, unlimited text and email support, and your Goalpost portal. See the plans.
Is the service available outside Florida?
Yes. Goalpost works virtually with clients throughout the United States. Sessions and direct support are with Sam personally.
Give the next good month a plan.
Tell Sam how income arrives and where the pressure shows up. Start with a free 30-minute conversation about how a more flexible plan and ongoing support could help.
Not ready to book? Send a message first →