Personal Finance Journey

Our mission is to put you on the path to financial success, realize your dreams, and eradicate debt. Our simple step-by-step plan will get you there.

We’ll show you the path to your financial goals with our customized Personal Finance Journey (which includes your Debt-Free Date). We teach you all about personal finance, help you get out of debt, and teach you to stay out of debt. We are an AFCPE® Accredited Financial Counselor® and Ramsey Solutions Master Financial Coach.

If your goal is to buy your first home, sell a home, refinance, save for college, retire, invest, or start a business, we’ll show you how to get there. Our custom plan includes your Debt-Free Date – the date that you will finally be debt-free if you follow the plan we build together. Most people get it done even sooner!

We never ask for sensitive identity information (SSN, driver’s license number, etc) or account numbers/usernames/passwords. We don’t even need to know your real name!

We’re based in Bethlehem, PA (USA) but help clients around the world via video conference and phone. We only charge for our time. Our mission is to help you BE. DEBT. FREE.

We’ll teach you how to build wealth, navigate different creditors, avoid dangerous debt consolidators, avoid bankruptcy, and pay down your debt with dignity.

We provide a judgment-free zone – because whatever mistakes you’ve made, we’ve probably made them too.

We’ll teach you to avoid making some of the damaging and dangerous decisions that folks who are stressed by debt often make.

We’ll help you create and monitor a reasonable month-by-month cash flow plan using tools you’re comfortable with, and teach you how to stick to it.

We’ll teach you how to communicate with collections agencies that might be calling.

We’ll help you avoid foreclosure on your home by showing you effective ways to deal with the mortgage company.

We’ll show you why bankruptcy isn’t the magic pill many people think it is. In most cases, there are better options.

What you get with our Personal Finance Journey:

  • Monthly access, coaching, counseling – throughout the month, not just one meeting.
  • A written Personal Finance Plan, which is your roadmap to your goals.
  • Resources to keep track of your FICO credit score and net worth.
  • Customized side-hustle matching – earn more doing things you enjoy!
  • A customized set of recommendations on how to cut back your spending in many categories, earn more and save more money.
  • Additional teaching, resources and recommendations in many areas of personal finance (starting a business, investing, insurance, saving, insurance, building wealth, retirement planning, buying and selling homes and vehicles, etc).
  • Access to your own client portal web page with all the resources from our meetings.
  • Recommendations for dealing with collectors, bankruptcy, student loans, mortgage issues (if they apply).
  • Career coaching from a former executive
  • Discounts on follow-up or checkpoint meetings for accountability, keeping you on track, or changes that may be necessary.
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Personal Finance Workshop

Let us walk the path with you to your goals and dreams.

With our Personal Finance Workshop, we’ll build your customized plan and walk you down the path to your goals and dreams. Walk with us!

What you’ll get with the Personal Finance Workshop offering:

  • Custom plan to eradicate your debt, with your Debt-Free Date
  • One private meeting to cover the details together, tweak/adjust as necessary
  • Additional sessions if needed

Retirement Checkup

Want to know if you’re on track for your retirement date? Don’t have a retirement date and want to work with us to calculate one that’s feasible? You’re in the right place.

We’ll examine your current status and desired retirement outcome. Then we’ll calculate your safe withdrawal rates, possible retirement dates, and show how you can make any changes needed to retire when you want to and live the lifestyle you dream about.

What  you get with the Retirement Checkup:

  • A customized Retirement Checkup Plan, which contains a detailed analysis of your safe withdrawal rates under many financial scenarios dating back to 1871!
  • A private workshop via phone, videoconference, or face-to-face to review the details, answer questions, and tweak the scenarios.
  • Follow-up questions via email.
  • Additional sessions scheduled at your preference for $99 each.

Get on the Road to Financial Wellness Today

Set up a Meet & Greet to discuss your goals and see how we can help.