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. Nothing sticks because nothing holds you accountable.
That’s what I do.
I’m Sam — a professional debt coach and former teacher. I build you a custom payoff plan 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. As a virtual debt coach and online debt coach, I work with clients across the country entirely by phone or video — no in-person visits required. Free 30-minute call to start.
Prefer to send a message? Contact Sam here.
I 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.
Most people focus on the cost of coaching. They forget what their debt is already costing them every single month in interest alone.
Without a plan, that interest compounds every month. With one, you start actually making progress.
Billing: $400/month. Cancel anytime with 7 days notice.
Best for: People who want to try coaching first before committing to a longer plan.
Start Month OneSave $600 vs monthly — $1,800 total
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 HabitLowest rate — $3,000 total
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 ProcessAll plans billed monthly. No lump sum required upfront. No upsells, no insurance products, no hidden fees — ever. Just coaching.
Get your teen financially prepared before they leave home.
$497
4 live group sessions for teens ages 16-20
After 10+ years coaching students and athletes, I know what it takes to help young people build skills that stick. This program gives your teen the money skills school doesn't—before they learn the hard way.
We're going to look at everything: all your debt (balances, interest rates, minimum payments), your income and spending patterns, your financial goals and timeline, and what's been holding you back.
You'll leave this session with:
How do we calculate your debt-free date? See the methodology →
Every other week, we jump on a call to review your progress, troubleshoot any challenges, adjust the plan if needed, celebrate wins (even small ones), and keep you motivated and on track.
Think of it like a personal trainer for your money. The regular check-ins are what keep you from quitting when it gets hard.
Have a question? Facing a financial decision? Feeling overwhelmed? Text or email me anytime. I'll respond within 24 hours (usually way faster).
You're not doing this alone.
Every month, we'll review how much debt you've paid off, where you're ahead or behind plan, what's working and what needs adjustment, and your updated debt-free date.
Watching the numbers drop is incredibly motivating.
I'm Sam. I spent 10+ years coaching athletes and students to reach their goals. Now I apply that same approach to helping people get out of debt.
Bachelor's in Business Administration with formal training in finance, accounting, and economics.
10+ years coaching athletes and students. I know how to motivate people, build accountability, and help them hit goals.
Worked in credit repair and saw firsthand how debt destroys lives—and how the right plan fixes it.
The coaching skills that help athletes win are the same ones that help people get debt-free.
I'm not a licensed financial advisor. I'm a coach who helps people build budgets, pay off debt, and take control of their money.
Learn More About Sam →Take our free 10-question quiz to test your money knowledge—and learn something new along the way.
Take the Quiz →Nope. We work with people at all credit levels. This is about paying off debt, not qualifying for loans.
Only if you're buying $800/month in coffee. Otherwise, no. A budget that makes you miserable is a budget you'll quit. We build in guilt-free spending.
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 clients, 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, I'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.
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.
Monthly coaching can be canceled anytime with 7 days notice. The 6-month and 12-month plans include a commitment period — see our terms page for full details.
No. I'm a financial coach focused on debt elimination and budgeting. I don't provide investment advice, manage assets, or sell financial products. Just coaching.
That's tough but common. You can still work on your side of the finances. Sometimes seeing your progress motivates your partner to join in later.
Yep. I respond within 24 hours, usually same day. (Though if you text me at 3am, I'll probably respond when I wake up.)
"He helped me during a financial crisis and helped me allocate my resources."
"He was calm and patient—and I did not feel judgment at all."
"I would recommend him to anyone sick of being in debt and living paycheck to paycheck."
Download this free 30-day guide and start making progress on your own. It's the same framework I use with clients—week-by-week, with checklists you can print.
Get Free Guide →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, I'll tell you honestly. No hard sell.
📅 Book Your Free 30-Minute CallPrefer to send a message? Contact Sam here.