Ready for a New B.F.F.?
Girl, it's time to banish broke energy for good.
As your new best financial friend, I'm here to help.
You're ready to change your money beliefs and habits in order to live the life of your dreams.
So why haven’t you yet?
You’re smart, amazing, and talented. You know how much you make, what your expenses are, and can do the math to calculate the difference. You aren’t paying for daycare, extracurricular activities, and kids’ colleges so it feels like you should be doing better than maybe you are currently. You know where you want to be with your money and what you need to do to get there (well, kind of).
But you are overwhelmed and anxious AF, and stuck in stall and survival mode. EVERY TWO WEEKS.
That’s because math is not enough. Psychology, mindset, and our emotions also matter.
It’s time for real talk, sis. And real action.
WHAT DO YOU IDENTIFY WITH?
- You struggle to save and are living paycheck to paycheck every single month
- You have dealt with the dreaded more month than money left real-life situation and had to turn to using credit to pay your household bills
- You are embarrassed and ashamed of your credit card debt
- You are overwhelmed at the amount of student loan debt you still have several years after graduating college
- You never were taught how to manage money growing up and know it's time to stop using that excuse as the reason for why you can't learn TODAY
- You have paid a late fee or overdraft charge...more than once
- You have little in the way of an emergency fund and dread the day a major financial expense comes up
- You are afraid to tell your friends and family about your finances but are also tired of doing this alone
- You are worried you aren't on track financially for retirement and won't have enough saved by the time you want to retire
- You never check your credit report because you fear what's in it
- You don't understand the stock market or how your 401k really works but know you need to invest for your retirement
- You haven't even thought about estate planning because, in your mind, you don't have an estate worth worrying about
It’s overwhelming isn’t it? Especially because you KNOW you can do it.
You just don’t know where to start or how to get started. Or maybe you do but have tried and failed many times in the past and find yourself falling back into your old money habits and routines.
So, I’m really proud of you because here you are today DETERMINED to move forward in your fiscal journey. 
Which is where money mindset and financial fitness coaching comes into play…
If you are...
- Ready to stop living paycheck to paycheck and start using a realistic spending plan that still lets you have a social life
- Motivated AF to pay down your debt (ALL OF IT, girl) and begin living a life of abundance
- Trying to be financially lit up in yo’ house where the topics of discussion are investing, wealth-generation, and legacy-building (no more playing small, sis)
- Pretty clear on what you want to accomplish in the next 4-24 months but need help making sure you actually hit those goals
- Ready to get organized with your finances so you can stop worrying and start living (and be prepared for Tax Day)
- Ready to put in the werk to take your money to the next level (I’m talking serious upleveling of your mindset)
- Not afraid of a coach who will call you out on your BS and limiting beliefs so you can stop making excuses and start making progress
Or if you are...
- Newly engaged or recently wed and looking to set up your marriage for long-lasting success where money is NOT a source of angst or frustration
- Recent college graduate with student loans who is ready to build a solid financial foundation, start saving, and harness the power of time
- A group of girlfriends who want to level up your finances together and encourage each other to make positive changes in your own individual financial journeys…
Then money mindset and financial coaching just might be the right fit for your goals.
Imagine for a moment...
- Creating a new money philosophy to live by each day
- Creating a new money philosophy to live by each day
- Feeling elated not anxious when you receive that paycheck
- Finding a side hustle you enjoy AND make an extra $500-$1,000 per month from
- Using processes, systems, and habits that put debt payoff and savings on autopilot
- Using processes, systems, and habits that put debt payoff and savings on autopilot
- Setting and achieving some big money bawse-level goals without going into debt
- Setting and achieving some big money bawse-level goals without going into debt
- Gaining fiscal confidence that shows you can and WILL be financially ready for retirement
MONEY MINDSET COACHING WITH ME OFFERS THIS AND SO MUCH MORE.
But first, 10 things you'll love (or occasionally hate) about working with me:
1.
I WILL push you out of your comfort zone. Growth occurs in the discomfort. As a result, we will have some uncomfortable conversations. Remember, I’m your B.F.F. so yeah, we’ll talk about all the things. Those that achieve the most growth working with me are the ones that are the most honest, transparent, and vulnerable.
2.
I’m here to motivate you and help you find solutions to your money challenges. I will push you to save. I will push you to trim unnecessary (for now) expenses. I will push you to consider a side hustle if the divide between your income and expenses is significant. Most of all, I will hold you accountable. I will not do the work for you. If you want to see change, own your s**t and be willing to make real changes. Anything less than that is wasting both your time and mine.
3.
There is no room for excuses. I 1000% believe each of the clients I choose to work with is capable of seriously leveling up their finances. So my spidey-sense will call you out on your limiting B.S. (belief system AND bulls**t).
4.
I take the complex and break it down so you can not only learn it but apply it to your own life. So I love a good acronym in case you had no noticed yet. Be prepared for lots of them. Here’s another one: My signature B.E. I.N.S.P.I.R.E.D. coaching framework is the secret sauce to becoming fiscally fearless.
5.
I use a wide variety of coaching tools and systems. Personal finance is just that, personal. So I will craft a detailed step-by-step plan tailored to your exact situation and where you are in your financial journey.
6.
In addition to being your cheerleader, I will also be your critic. I will never judge you for the decisions you do or not make. I will question you though on the why behind those decisions. So it’s highly probable (and by highly probable I mean 100% likely) that you’ll be pissed off at me at least once. I don’t take it personal but do know my coaching style is always coming from a place of love and genuine support.
7.
You will be assigned homework, exercises, and assignments. Yes girl, I’m serious about you putting in the work. We are not playing games when it comes to your future. These are designed to challenge your belief system, thoughts, behaviors, and actions. I also love teaching and designing pretty but useful learning material.
8.
While we will discuss some heavy, serious things, I strive to keep it fun and upbeat as well. I like to laugh. You should too. My goal is to get you to a place where you are genuinely living your BEST. CHILDFREE. LIFE. There will be equal parts laughter and tears to get your there.
9.
My coaching environment is always a safe, confidential, and a judgement-free zone. While we will tackle your past, I like to focus more on your future and the new decisions, actions and habits you will start to use on a daily basis.
10.
If you’re not getting that vibe right now that is telling you, “Yasss, this is the woman I have got to work with”, I’m probably not the money coach for you. And that’s okay. But don’t let fear or finances get in the way of putting yourself and your future first. I do offer payment plans and ALWAYS find room in clients’ budgets to offset the cost of my services.
A Money Message
How you gonna win if you ain't right within
Money Mindset and Financial Fitness Coaching Is a Good Fit If:
- You're overwhelmed by your finances and need help getting organized and setting up good habits
- You don't have a good relationship with money and want to develop a positive money mindset
- You need a detailed, practical, and actionable plan to pay down your student loans, credit cards, and other high-interest debt
- You are ready for a realistic spending plan that will help you stop living paycheck to paycheck, start saving, and still enjoy your life
- You have a pretty good handle on your day-to-day finances and are ready to level up and learn investing
- You have questions on the stuff no one likes to talk about but know you need to handle...I'm talking insurance, wills versus trusts, health care directive, and power of attorney
But You Should Know Here's Where I Can't Help You:
- You aren't willing to own your s**t and the decisions or (in)actions that got you to where you are today
- You aren't willing to make certain but necessary sacrifices to make real changes in your life to level up your finances
- You aren't willing to review the Coaching Notes and Money Moves to implement and take action after our coaching sessions
- You are struggling with depression, trauma, compulsive spending, or other conditions that require professional medical assistance
- You are looking for someone to provide investment recommendations or manage your investments (I'm not a licensed financial advisor but I can help you determine what questions to ask and how to interview possible financial advisors when you are ready)
Coaching Packages
I offer three types of coaching packages designed to meet you exactly where you are in your financial journey. Click on each to explore the packages further.
Ready to get started? Want to chat before we do? Schedule a discovery call today.
How to Begin Working with Me:
1. Book Your Free Money Insight Call
Schedule your free call where we will talk about your current financial situation and where you want to be.
2. Complete Pre-Call Questionnaire
To guide our call, complete the questionnaire which will help me figure out the best package for you.
3. Select Your Coaching Package
Get ready for massive transformation and leveling up, sis. We are about to change your life.
FAQs
A financial coach helps you develop a positive relationship with money, educates you on the fundamentals of personal finance, and works with you to create a personalized plan to help you achieve your financial goals. A financial coach will help you make and stick to a spending plan, pay down debt, build an emergency savings fund, learn how to begin investing in the stock market, and start protecting your assets with the necessary estate paperwork. A financial coach helps empower you to make smart money decisions and serves as your accountability partner. In general, a financial coach is there to help you stay on track with your day-to-day finances while a financial advisor helps you invest and grow your money.
No, I’m not a licensed financial advisor. I do not sell investment products, I do not provide investment recommendations, and I don’t design investment strategies. However, I do teach the basic principles of investing and long-term wealth generation. While I do believe the person that knows your finances best is you and you can indeed manage your own investments, I can refer you to a financial advisor if you’d rather have a financial advisor manage your investment portfolio.
The goal of the call is to answer two questions: 1) are we connecting, and 2) can I help you. I will ask you some questions to help determine if we would be a good fit and you’ll have an opportunity to ask me questions. If it’s a yes from both of us, we will discuss the various programs available and which one might be the best fit for you and your situation, and the next steps (including payment, contract, and booking your first month’s sessions).
Like a personal trainer, every financial coach has their own style. I’m more hold-your-feet-to-the-fire and push you to excel (because I KNOW YOU CAN) and less efusive praise and bubbly pep talks. I won’t judge your decisions but I will provide some tough love. Don’t get me wrong, there will be praise and motivational talks along the way but let’s be real here…there are no participation trophies IRL just because you paid your bills on time, sis. That’s simply called adulting. I won’t solve all of you money woes, but I will teach YOU how to solve your own financial challenges. Now when you reach your “When Life Happens” goal (yes, this is a thing) or bust through the first step in your emergency savings fund goal (yes, this is different from the WLH goal), pay off a credit card, or consistently begin sticking to the spending plan we develop, we will be playing Richard Smallwood’s Total Praise. 🙌🏿🙌🏿🙌🏿
Each coaching session is a power-packed 60 minutes. The day before each coaching session, you’ll need to complete and submit the Pre-Session Questionnaire (located in the secure online Client Portal) which will uncover your previous accomplishments and challenges, as well as what you want to focus on during the session (we often will form an outline of topics to cover during your coaching program during the structued first month’s coaching sessions). At the beginning of each coaching session we will track on your goal process and review what you achieved since the last coaching session. We will then transition to discussing and exploring what you want to be coached on in that specific session and identify possible action steps. Finally, we will determine your plan for completing those action steps before our next coaching session.
With the exception of the initial coaching session and the wrap-up coaching session which are both 90 minutes, all coaching sessions are 60 minutes long. In my signature 1:1 and group coaching programs, sessions are weekly for the first month and then bi-weekly thereafter. The length and frequency of laser-focused goal coaching are determined after the initial discovery call.
For my signature 1:1 coaching program, each coaching session is private. I conduct sessions via password-protected Zoom calls. A copy of the coaching session video and notes are also uploaded to the secure client portal for your reference after each session.
For my group coaching program, I include one private coaching session for each person in the group prior to starting all subsequent group coaching sessions. I conduct sessions via password-protected Zoom calls. The private coaching session video and notes are emailed to each member of the group. A copy of the group coaching session video and notes are also uploaded to the secure client portal for your reference after each session.
For my couples’ coaching program, each session is private with both partners present. A copy of the coaching session video and notes are also uploaded to the secure client portal for your reference after each session.
I am available on email and Voxer, a free app available in the App Store and Google Play. Voxing allows us to communicate via voice messages and texts in between sessions. It’s the next best thing to our regular coaching sessions.
The reality is money affects every facet of our lives. So while it can feel like it sometimes, coaching and therapy are very different. If you are struggling with depression, compulsive spending, anxiety, trauma or other mental health concerns, I will refer you to a licensed professional who has the training and expertise to work with you.
Therapy focuses on healing the past while coaching is focused on the future. In other words, therapy addresses the “why” and coaching addresses the “how”. As a financial coach, I help you define what you want and how to get it. We’ll certainly discuss your money story and the why aka your money mindset. And while coaching can help individuals with anxiety, depression, or other clinical disorders, I am neither trained nor licensed to diagnosis or treat these disorders. Therefore, if you believe you are suffering from one of these clinical conditions, that is best addressed by a licensed therapist first before seeking financial coaching with me.
Yes, girl! As mentioned above, understanding your “why” is critical to working on the “how”. But I am a tactian at heart and all about action. My homework assignments, worksheets, exercises, and reference documents provide concrete and detailed financial information and concepts. You’ll also receive a customized spending plan (we don’t talk budgets here — once we begin working together you will understand why), a debt repayment plan, and a host of other resources.
Yes, I offer a payment plan for my signature 1:1 coaching and group coaching programs. A payment plan may be available for your laser-focused goal coaching program, depending upon the goal and anticipated length of time to achievement. A $200 discount is offered for 1:1 and group coaching programs paid in full. The pricing on the website reflects this discount already applied. I can bill each member of the group their portion in full and split the discount evenly as well.
Because I am investing my time to work with you, hold you accountable, and provide support, my coaching services are non-refundable. Therefore, it is very important that you determine up front if you are truly committed to change and growth.
Part of our Money Insight Call is to determine if we are a good fit to work together. I don’t take on clients I don’t believe I can help. But you have to put in the work. I won’t do it for you. My role as your financial coach is to hel you develop a positive relationship with your money, create and maintain positive money routines, and help you stay on track day to day by resetting your response to your money circumstances which trigger your money thoughts which drive your feelings, actions, and results.
Because I am investing my time to work with you, hold you accountable, and provide support, my coaching services are non-refundable. Therefore, it is very important that you determine up front if you are truly committed to change and growth.
I won’t need copies of your financial statements so you can rest assured information such as account numbers and your social security number remain private. To help you though, you will need to share with me the snapshot of your finances–your income, debts, assets and their current value, and financial goals. We will use this information to help you prepare a monthly spending plan or adjust your current monthly budget, if you already have one. All of this information will also serve as our baseline for your coaching program and ultimate success.
You will be set up as a client in my secure client portal. You will have to enter your credentials (including resetting your password upon initial login) to access your private account in the portal. All of your reflection assignments and exercises will be available for download from the portal. Your coaching session notes will also be uploaded to your account in the client portal. Any information you send me should also be uploaded to the secure client portal.
Sure, you can. But let’s be real, sis. If you were going to do that, you wouldn’t be reading my FAQs. Of course, there are a ton of free resources out there. For example…we all know a healthy lifestyle involves getting good sleep, staying hydrated, moving our bodies, and eating well (among a few others, like meditation which I’m a huge fan of BTW). Yet, there are still personal trainers, sleep apps, special water bottles that remind you when to drink water (yep, this is a thing. I love mine.), and all sorts of healthy diets, cookbooks, and meal services. We don’t need any of these products and services to live a healthy lifestyle. But they definitely make achieving the goal easier and, in the case of personal trainers, help motivate us, bust through plateaus, and hold us accountable. And in the case of financial coaches, you get access to the hundreds of hours of paid training and continuing education we have attained.
And THAT’S why you should hire me. If you have struggled to pay down your debt or stick to your budget, you need a financial coach. If you want to learn about the stock market but get so frustrated with some of the free but overcomplicated resources out there, you need a financial coach. You need someone who can hold you accountable and provide support as you make the changes you want to make in order to live the childfree life of your dreams.
Woot woot, go you! And yes, girl I can still help you with financial coaching. Once you’re consistently saving and are debt free, we can work on growing or diversifying your wealth through learning the fundamentals of investing, turning a side hustle into a business, or taking the necessary steps to get your estate and the super-important but not-so-fun to take about paperwork in order. Alternatively, other areas that are perfect for you fall under my laser-focused goal coaching services. Ready to buy a home? Want to go on an epic vacation or take a sabbatical from work to travel the world? I got you, boo. Let’s talk.
Book a Money Insight Call today so we can determine if we are a good fit and if so, what package might be best for your unique situation.
Yes. If you need help with a specific goal, such as funding your travels, I can still help you put together a successful plan to achieve your financial goal.
In general, bankruptcy should be your last resort option and not entered into lightly. Declaring bankruptcy is a life-changing event–financially, mentally and emotionally–and will follow you for years. Also, not all types of debt can be discharged in a bankruptcy and bankruptcy does not eliminate debt for any co-signers. If you decide to work with me, I will review your financial situation with you and provide coaching and recommendations accordingly. We will exhaust all possible resolutions first. However, if I believe based on your particular situation that bankruptcy should be considered, I will recommend you consult an attorney who specializes in bankruptcy proceedings. While an attorney is not required, I do recommend it as the process is very complicated.
Sorry, sis. In my Hall and Oates voice, “I can’t go for that, no can do”. My job is to educate and empower you to overcome your current financial situation so you can live the childfree life of your dreams. I will provide resources to help you prepare to talk to your creditors. But this is one of those areas in your life where you need to own your s**t and put on your bawse pants and favorite pair of power heels. Handle it girl, Olivia Pope style.
And the Never Asked Questions That You Really Want to Know the Answers To
It’s pretty simple, I couldn’t find someone who specialized in this area and thought there should be someone. There are plenty of financial coaches out there. There are plenty of coaches who work with women. And there are plenty of coaches who work with couples that have children. But I couldn’t find a coach who was working exclusively with childfree by choice women (and couples by extension), whose financial needs and worries are unique.
Plus, as a CFBC woman myself, I can relate to you. And I believe that helps to build an immense amount of trust between us. And as a Black woman, I acutely understand the pay gap struggles Black women face and how detrimental that can be for our future because, real talk, black don’t crack and these good genes of ours have us living well into retirement. Combine that with being a CFBC woman and it became clear this was my community to serve.
Financial coaching is an investment that pays for itself in the long run. Every client that I work with has money leaks in their monthly spending plans. And for many of my clients they don’t realize their spending plan is a leaky faucet that’s been dripping money for months, and, in some cases, for years. My services are offset by those savings. But I’m going to answer your question with a question (well, several questions): What outstanding debt of yours continues to increase? Does it feel like you’re only paying interest and not paying down your principal? How often are you in the red with your monthly budget? Do you even have a written monthly budget? What bawse goals are you not crushing right now?
When you review my pricing, think about what you are truly paying for. You’re paying for guidance on how to stop living paycheck to paycheck. You’re paying for security and stability. You’re paying for financial confidence and fearlessness. You’re paying for financial independence and freedom which, frankly, is priceless.
So the most important question you really should be asking yourself is: How much is NOT going through financial coaching costing me today, this week, this month, this year, and the rest of my life?