Why Feeling ‘Poor’ During Debt Payoff Is Actually a Sign You’re Finally Winning
“My worry is… a friend told me the snowball effect is really good, but she said you’re going to feel like you’re going to be poor for a year, and
Stop feeling overwhelmed by your finances by ending money stress for good. Our personalized coaching programs help you take control of your money, build lasting financial habits, and create a clear path to financial freedom using a proven, values-based system built on practical tools and expert guidance.
Our 1-on-1 financial coaching helps you break free from financial stress and confusion so you can gain clarity, build momentum, and finally move forward with confidence.
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We’ve helped individuals and families just like yours take control of their finances, reduce stress, and build stronger financial futures. These real-life stories show what’s possible when you have the right support and guidance by your side.
“Don’t pay off your mortgage—you’ll lose the tax deduction!” If you’ve ever heard this advice, you’re not alone. It’s one of the most persistent financial myths that keeps hardworking families…
“I’ve been bad, Bryan. I went a little over my budget.” Jolene, a dental hygienist working toward debt freedom, started her coaching session with shame. She pays her bills on…
A former hospital CEO, managing millions in revenue and hundreds of employees, was about to take a $20/hour baggage handler job. Not because he couldn’t find better work. Not because…
Marc and Hailey had just done something amazing. With help from family, they’d paid off two student loans—a financial victory that should have felt liberating. But instead of celebration, they…
“We’re sitting in $148,000 of debt… I don’t even know where we go from here.” That was the moment James and Kirsty knew they couldn’t just “hope things work out”…
“I’m not feeling confident in my budget.” If you’ve ever said these words, you’re not alone. In fact, you’re exactly where you should be in your financial journey. Learning to…
Forget the one-size-fits-all approach. Our tailored coaching helps you build a personalized money plan that actually works for your lifestyle, using real conversations, hands-on tools, and accountability that drives lasting change.
A simple, 3-step proven path to finally take control of your money built on real-life experience, personalized guidance, and support that empowers lasting change.
We start with a free, no-pressure consultation to uncover the truth about your finances and what’s holding you back—so you can stop guessing and start moving forward with confidence.
We create a personalized roadmap that fits your life, your goals, and your unique situation—giving you clear, actionable steps that actually work for your family instead of generic advice that falls flat.
Through ongoing coaching, accountability, and mindset support, we help you stay on track and build habits that lead to long-term financial freedom—without shame or overwhelm.
Work directly with a certified coach who helps you build a step-by-step roadmap for your unique financial goals—whether it’s getting out of debt, creating a budget that actually works, or building long-term wealth. Get the clarity, structure, and accountability you need to succeed.
Join a small, supportive group of people on the same journey toward financial peace. Our group coaching combines expert guidance with real-life encouragement, so you can learn proven strategies, share wins, and grow together with confidence.
Through our proven 4 Pillars of Success, we help you overcome what’s holding you back and create a clear path forward with guidance, structure, and real momentum.
I know where I am now and what I’m doing
I know my priorities and which to do first
I have a plan and know how to accomplish it
I live my plan and bounce back quickly after setbacks
We’ve helped individuals and families just like yours take control of their finances, reduce stress, and build stronger financial futures. These real-life stories show what’s possible when you have the right support and guidance by your side.
“My worry is… a friend told me the snowball effect is really good, but she said you’re going to feel like you’re going to be poor for a year, and
Maggie stared at the house listing on her phone, her stomach churning. The price had just dropped $50,000 to $549,888—a “steal” in today’s market. Four bedrooms, a backyard for their
Marc and Hailey had just done something amazing. With help from family, they’d paid off two student loans—a financial victory that should have felt liberating. But instead of celebration, they
Don’t take our word for it. Hear it from our satisfied customers:
Get judgment-free coaching tailored to your life, built on real experience, practical tools, and accountability that drives lasting results. We don’t just give advice—we help you change habits, shift your mindset, and stick to a plan that actually works.
Our coaches have walked in your shoes—from paying off six-figure debt to building wealth from scratch. We share what actually works, not just what sounds good on paper.
No judgment about past money mistakes. No cookie-cutter advice. We start where you are right now and build a plan that fits your real life, not someone else's perfect budget.
Money problems aren't just math problems—they're behavior problems. We help you identify what's really keeping you stuck and build new habits that create lasting transformation.
Whether you're a stressed single parent or a couple who fights about money, our proven system adapts to your unique situation and keeps you moving forward together.
Forget rigid budgets that fall apart after two weeks. We create flexible strategies that work with your irregular income, unexpected expenses, and real-world challenges.
Having a plan is one thing—following through is another. We provide the ongoing support, check-ins, and gentle accountability that turns good intentions into consistent action.
In 60 minutes, we’ll uncover what’s really holding you back and show you exactly how to move forward—with zero pressure and maximum clarity.
Bryan has taught Dave Ramsey’s Financial Peace University 16 times and he and his team are Ramsey Preferred Coaches and Financial Coach Master Training graduates, who have have helped hundreds of individuals and families win with their money and create lasting financial peace.
Our expert coaches combine practical financial strategies with real-world empathy, guiding you through life’s money challenges with clarity, accountability, and zero judgment.
Bryan Halverson has worked in the financial industry helping individuals, families and businesses for over two decades.
Lorianne can help you develop clarity and empowerment from telling your money where to go rather than wonder where it went and guide you on your path to peace and financial freedom!
Karri, as a Ramsey Preferred Coach, desires to provide compassionate and inspiring service to her clients.
Cristina is an amazing example of the power of personal discipline and determination to achieve her goals and ideal life.
Alexandra is a Ramsey Preferred Coach and graduate of Financial Coaching Master Training with over five years of experience in the financial industry.
Wendy has budgeted diligently for 27 years! Three as a married university student with limited income, 21 on the salary of a public-school teacher while raising her 3 children.
Explore simple, actionable tips to help you take control of your money — no jargon, no shame, just real help.
Kwame Asante just got the news he’d been waiting for: his teaching contract was renewed. Better yet, he was getting a raise and an unexpected $1,000 loyalty bonus. He should
Farid and Shahnaz earn over $250,000 a year combined. They’ve eliminated all debt. They have $150,000 in savings. By every external measure, they’re crushing it financially. So when Farid’s mother
Josiah just turned 30. He should have been celebrating. Instead, he sat in his financial coaching session feeling like a failure. He had a loving wife, Ruth. A healthy son.
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The honest answers to questions you’re probably wondering about—from “Is this really worth it?” to “What if I fail again?” We address the real concerns holding you back from financial peace.
A coach provides outside perspective to see your blind spots and holds you accountable to take action steps you’ve been avoiding. Even professional athletes have coaches to continue improving.
We move you from information → application → transformation through proven action steps and behavioral psychology—not just more advice.
Two main formats:
Both can be done virtually or in-person based on your preference.
We specialize in individuals and families. Whether you’re a single parent trying to make ends meet, a couple fighting about money, or a family wanting to build wealth together—we help you get on the same page and create lasting financial peace.
Our focus areas include:
No contracts. If the coaching isn’t paying for itself, fire us!
Coaching duration varies by individual needs—we’ve had clients work with us anywhere from 1 month to 2 years. You stay as long as you’re seeing value and results.
Common struggles we solve:
We provide clarity, prioritization, and step-by-step action plans.
Our coaches combine behavioral psychology with financial strategy—because money problems are behavior problems, not math problems.
The reality: If you just needed information, you’d already be wealthy (hello, Google!). But changing habits is hard. With coaching accountability and proven systems, you’ll make progress faster than figuring it out alone.
You’ll either spend time or money—coaching saves you both.
Schedule your complimentary consultation today, and take the first step toward lasting financial clarity.
You don’t need another tip. You need a plan, a partner, and a little clarity. Let’s start there.
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