1-on-1 Debt Coaching Services with a Virtual Debt Coach

You make decent money. You work hard. But every month the debt stays the same — or gets worse. You’ve tried apps, you’ve made spreadsheets, and nothing sticks because nothing holds you accountable.

That’s what we do.

Goalpost Finance is a private 1-on-1 debt coaching practice. We build a custom payoff plan around your actual numbers and stay in your corner every step of the way. No judgment. No gimmicks. Just a clear path and someone who keeps you on it.

Virtual coaching. Clients nationwide. Free 30-minute call to start.

📅 Book Your Free 30-Minute Call

Prefer to send a message first? Contact us here.

We offer one-on-one financial coaching to help you build a custom plan, stay accountable, and actually get out of debt. Before you look at the price of coaching, let's look at what staying in debt is already costing you.

Your Debt Is Already Costing You More Than Coaching

Most people focus on the cost of coaching. They forget what their debt is already costing them every single month in interest alone.

Your Debt Balance Monthly Interest Lost
(at 22% APR)		 12-Month Plan
($250/mo)		 The Reality
$15,000 $275/mo $250/mo Coaching costs less than interest
$30,000 $550/mo $250/mo Save $300/mo with a plan
$50,000 $917/mo $250/mo Save $667/mo with a plan

Without a plan, that interest compounds every month. With one, you start actually making progress.

Choose Your Plan

Monthly Coaching

$400 /month
  • 90-minute initial financial assessment
  • Bi-weekly coaching calls (30-45 minutes each)
  • Custom budget and debt payoff roadmap
  • Unlimited text and email support between sessions
  • Monthly progress tracking and plan adjustments
  • Accountability partnership

Billing: $400/month. Cancel anytime with 7 days notice.

Best for: People who want to try coaching first before committing to a longer plan. Best for: People who want to try coaching first before committing to a longer plan.

Start Month One

6-Month Package

$300 /month

Most Popular

  • Everything in monthly coaching
  • 6-month commitment for maximum results
  • $300/month billed monthly
  • Extended accountability for lasting habit change
  • Priority scheduling + faster response times
  • Best for $20k–$50k+ debt — where the biggest transformations happen

Billing: $300/month for 6 months. No upsells. No hidden fees. Ever.

Best for: Anyone serious about getting out of debt. Six months is where real momentum builds and habits stick.

Build the Habit

12-Month Package

$250 /month

Best Value

  • Everything in monthly coaching
  • 12-month commitment for complete debt elimination
  • $250/month billed monthly
  • Maximum accountability for complete debt elimination
  • Priority scheduling + fastest response times
  • Best for $30k–$80k+ debt — full-year support for lasting results

Billing: $250/month for 12 months. No upsells. No hidden fees. Ever.

Best for: Anyone with larger debt loads who wants maximum support, the lowest monthly rate, and a full year of accountability to finish the job.

Trust the Process

All plans billed monthly. No lump sum required upfront. No upsells, no insurance products, no hidden fees — ever. Just coaching.

NEW PROGRAM

Teen Financial Coaching

Get your teen financially prepared before they leave home.

Money Prep Program

$497

4 live group sessions for teens ages 16-20

  • ✓ Money foundations & goal setting
  • ✓ Banking, credit cards & credit scores
  • ✓ Real-world budgeting they'll actually use
  • ✓ Student loans, first job, and future planning
  • ✓ Workbook, budget template & parent summaries

Learn More →

This program gives your teen the money skills school doesn't—before they learn the hard way.

Your Coach

Sam spent 10+ years coaching athletes and students before bringing that same system to personal finance. The skills that drive performance in sports — accountability, clear targets, honest feedback — are the same ones that get people out of debt.

Learn More About Sam →
📚

How Well Do You Know Personal Finance?

Take our free 10-question quiz to test your money knowledge—and learn something new along the way.

Take the Quiz →

Frequently Asked Questions

Do I need perfect credit to work with you?

Nope. We work with people at all credit levels. This is about paying off debt, not qualifying for loans.

What if $400/month feels like a stretch right now?

That's exactly the kind of honest conversation we have on the free call. A lot of people in debt feel that way — and we'll look at your actual numbers together to see if coaching makes financial sense for your situation. For most people in the situations we coach, the savings from better budgeting and paying off high-interest debt faster more than cover the coaching fee. If it genuinely doesn’t pencil out, we’ll tell you that honestly — no pressure to sign up.

Also worth knowing: all plans are billed monthly — you're never asked to pay a lump sum upfront. There are no upsells, no insurance products, no hidden fees. Just one flat monthly rate for coaching. The 6-month plan at $300/month is the most popular, and the 12-month plan at $250/month is the best value for clients with larger debt loads. Most people with $20k–$50k in debt see the biggest results with a committed timeline.

How long will it take to get out of debt?

Depends on how much you owe and how much you can pay monthly. Most people are debt-free in 2-4 years. We'll calculate your exact timeline in the first session.

Are you a licensed financial advisor?

No. We’re a financial coaching practice focused on debt elimination and budgeting. We don’t provide investment advice, manage assets, or sell financial products. Just coaching.

📘

Not Ready for Coaching Yet?

Download this free 30-day guide and start making progress on your own. It's the same framework we use with clients—week-by-week, with checklists you can print.

Get Free Guide →

Ready to Build Your Plan?

Not sure if coaching is right for your situation? Start with a free 30-minute conversation — no pitch, no pressure, no obligation.

If coaching isn’t the right fit, we’ll tell you honestly. No hard sell.

📅 Book Your Free 30-Minute Call

Prefer to send a message first? Contact us here.