Manage your income, eliminate debt and save for your financial goals
Financial success requires establishing targets and priorities. For a married couple this means shared targets and priorities. For couples and individuals it means behavior must align with a plan that aligns with priorities.
Debt is a Burden
Debt is a burden; a hinderance to you achieving your goals. It takes over your income and prevents you from building wealth. It eliminates your freedom. Debt makes you a slave to the lender, and to your job.
Behavior Over Math
Many people believe money management is a math problem. Math is involved, but the problem is behavior. Achieving your financial goals requires focus and discipline.
Services that provide you both the knowledge and confidence required to achieve your financial goals.
The first step is a 30-60 minute phone call. The majority of that time will be spent understanding your current situation, issue(s) and desired outcomes. At the end of this session we will let you know if and how we can help. This step is free with no obligation on your part, and can be scheduled by clicking the button on this page.
Building a Foundation
In the first month we will establish a foundation for the rest of your journey. We will build a budget together, and discuss the best ways to work with it on an ongoing basis. We will also talk about a number of principles that will shape your financial behavior, including the challenges of debt and the importance of intentionality.
Services are structured as a monthly subscription service, with a typical duration being six months. Each month, our clients receive a minimum one hour call (or video chat) to review progress toward their goals, discuss any issues or challenges, and discuss steps for the coming 30 days. Questions throughout the month or requests for additional phone calls are encouraged.
We have been married since 1991 and lived the majority of that time in Round Rock, TX. Like most people, we made mistakes with money. We bought things we didn’t need, borrowed more than we should, and didn’t save enough toward major goals. Our biggest mistake was not being on the same page regarding money. Brad spent hours creating budgets and tracking spending, but he did not include Jennifer in the process. As a result, she didn’t see the budget as “hers”. This went on for years, her feeling left out of the process, and him resenting that she wouldn’t adhere to a plan.
Then we took a class at our church called Financial Peace University. We learned how to work together on our financial decisions. Since that time we resolved our debts, sent two boys to college, paid for our home and funded retirement.
We are coordinators for Financial Peace University and Certified Ramsey Financial Coaches. We are debt-free, living in our country home and looking forward to retirement. She has opened a travel agency, and he coaches people to financial freedom.