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+ What is a financial coach?

A financial coach helps you create goals and actually stick with them so you’re not just dreaming about financial peace—you’re living it. Financial coaching is different from any other finance-related job. CPAs help you with your taxes. Financial advisors help you with investments. But financial coaches work with you to create a start-to-finish plan for your money and help keep you on track.

Financial coaches often work with their clients over several sessions—focusing on anything from fine-tuning your budget to discovering your long-term goals to working through a real financial crisis. No matter the situation, financial coaches sit with you one on one (we call it “kneecap to kneecap”) to help you overcome the challenges that hold you back in your finances.

+ How do I know if I need a coach?

If you don't yet have 6 months of expenses set aside in savings, or if you have debt (including a car payment) or if you're not already saving for retirement and your kids' college, or if you just feel that your money is not working for you like you want it, you would benefit from our services! Financial coaching is a detailed, hands-on approach that helps you plan for your unique situation. You need someone to hold you accountable.

+ When should I work with a financial coach?

That’s the great thing about a financial coach—they can help you in any situation! Maybe you’re up to your eyeballs in student loans or credit card debt, or you’re having money fights with your spouse. Or maybe you have big money goals—like saving to buy a house or setting yourself up for retirement—but no plan to achieve them. Regardless, a coach can meet you where you’re at and steer you in the right direction to win with your money.

+ No one taught you financial Principles

Schools or parents do not teach how to budget, save or plan. Few people talk about what you need at different seasons of your life. Financial Coaching is about teaching how to win with money. Help you take care of your financial tasks.

+ How much does a financial coach cost?

Our Coaches charge $150 for per session but also have bundle deals avaliable. Our Coaches do offer a free consultation. Generally, though, we will work with you to make recommendations based on your needs. Discounts are avalibale for Military, First Responders and Fnancial Peace University Graduates.

+ How do I pay for coaching when I’m broke?

Coaching is meant to put money back in your pocket, not take it out. It’s the best way to help you develop the right money habits and put an end to your money problems. Some people will ask if they can afford it, but maybe you should ask yourself, Can I afford to not get help from a coach?

If you’re trying to get out of debt, other options (like credit counseling and bankruptcy) only manage the symptoms. They don’t change the habits that got you there. And the cost of bankruptcy is more than a financial burden—it’s a stain on your personal record.

There’s no better way to establish good money habits than by having a personal money mentor who understands your situation. And sidenote: You should never be ashamed of your financial struggles when working with a coach. They’re here to encourage you. These men and women are trained professionals who work with people from all walks of life and all ranges of income. Whatever you’re going through, it’s okay.

+ Need to be held accountable?

You can’t change the past but you can change the future. You will be empowered to take control of your money and learn that you can have a better future. You will have someone to guide your through all the financial tasks that you should do but don’t.

+ Will you set up a payment plan for my coaching fee?

No—mainly because we don’t want your coach to become your creditor. They’re working to get you out of debt, not deeper in it. Instead, we ask that you always pay your coach in full up front (no credit cards). And remember, nearly all of our coaches offer their first session completely free.

+ What is the difference between Financial Peace University and financial coaching?

Financial Peace University (FPU) is a nine-week class that teaches the nuts and bolts of Dave Ramsey’s principles. Though financial coaching and FPU are different, they actually go hand-in-hand. In fact, many of our coaches will encourage you to take FPU before or during your sessions with them. Think of it this way: FPU lays the foundation that your coach uses to build a plan for your money.

+ Does my coach work for Dave?

Not officially. Our paychecks don’t come from Dave. But we are professional financial coaches who’ve been trained extensively by the Dave Ramsey team. Every one of our coaches bases their financial advice on the Ramsey principles.

+ How do I get my spouse on board?

Marriage is not “me”—it’s “we.” Working on your finances together is the only way to succeed when it comes to money. Not only that, many couples find that talking about money actually reduces stress in their marriage. It’s so important, we’ve made it one of our core teachings.

If you’re having difficulty getting your spouse on board, let your coach know.

+ How do I prepare for my coaching session?

The great part about working with a financial coach is that they’ll guide you through every step of the process. But during your first consultation, your coach will ask questions to get to know you—your goals, your dreams, your past, your pain points, etc. So be sure to have your answers ready.