Private 1-on-1 coaching to help you pay off debt and live debt free. No judgment. No shame. Just a real plan and someone in your corner.
"He was very calm and patient throughout the entire process and I felt no judgment at all."
“He helped me during a financial crisis and helped me allocate my resources.”
“He was calm and patient—and I did not feel judgment at all.”
“I would recommend him to anyone sick of being in debt and living paycheck to paycheck.”
A simple, proven system to get you out of debt and keep you on track
Your 90-minute financial deep dive
We're going to look at everything—income, debt, spending, goals. No judgment, no lectures. Just honest conversation about where you're at and where you want to be. You'll leave this call knowing your exact debt-free date. Not "someday." The actual month and year.
A budget that doesn't make you miserable
Forget those budgeting apps that want you to track every $3 coffee. We're building a plan that fits your actual life—not some fantasy version where you never have fun. You'll know exactly where your money goes, how much to pay toward debt, and how much you can spend guilt-free.
Your coach in your corner
This is where most people fail when they go it alone. Life happens. Motivation fades. Old habits creep back in. We meet every other week to review progress, adjust the plan, and make sure you're staying on track. Think of it like a personal trainer, but for your money.
Debt gone. Savings growing. Stress dropping.
In 12-36 months (depending on your situation), you'll be completely different financially. Not just debt-free—but confident, in control, and actually able to say yes when opportunities come up.
Apps give you data. A debt coach gives you a real plan and results.
Apps don't call you out when you're about to make a dumb purchase. I will. (Nicely, but still.) Having someone who knows your goals and checks in regularly makes a massive difference.
Your situation is unique. Maybe you're dealing with student loans and credit cards. Maybe you're self-employed with irregular income. Maybe you have kids and can't just "stop eating out." We build a plan around YOUR life, not a generic template.
Money is stressful. Debt is embarrassing. You need someone who won't judge you for past mistakes and who understands that getting out of debt isn't just about math—it's about changing your entire relationship with money.
People who work with coaches get out of debt 2-3x faster than people who go alone. Not because the math is different, but because having support keeps you from quitting when it gets hard.
Your financial information stays confidential. I don't share your data with anyone, ever. Our coaching sessions are private, judgment-free, and focused solely on getting you results. What we discuss stays between us.
You won't just pay off debt—you'll learn WHY you got into debt and how to stay out. I teach you the skills to manage money confidently for life, not just follow a script. This is about long-term freedom, not a quick fix.
Move the sliders to see the difference a plan makes.
Want to understand how we calculate this? See the math →
Real answers about getting help with budgeting and paying off debt
A financial coach (also called a debt counselor or budget coach) is someone who works 1-on-1 with you to create a personalized plan for paying off debt. Unlike free debt counseling services that use call centers, a financial coach provides personal accountability, helps with budgeting, and coaches you through the emotional and practical challenges of getting out of debt. We meet bi-weekly to track progress, adjust your budget, and keep you motivated until you're completely debt-free.
Yes! If you've tried budgeting apps and they didn't work, that's normal. Budget coaching is different because you get a real person to help you build a budget that fits YOUR life - not some cookie-cutter template. As your budget counselor, I'll help you understand where your money actually goes, identify spending leaks, and create a realistic plan you can actually stick to. Most people who struggle with budgeting don't need a better app - they need accountability and someone to talk through the tough decisions with.
Debt counseling (like nonprofit credit counseling) usually means one-time advice or enrollment in a debt management plan where someone negotiates with creditors for you. Debt consolidation is taking out a loan to combine multiple debts. Debt coaching is ongoing personal support - we work with you bi-weekly to help you pay off your actual debt faster through better budgeting, accountability, and behavior change. You're not getting a loan or negotiating with creditors - you're learning to manage money better so you can pay off debt and stay out of it forever.
Absolutely! That's exactly what the free consultation is for. You can talk to me (Sam, your actual financial coach - not a sales rep) about your specific debt situation. We'll look at your income, your debts, and your goals, and I'll show you exactly how long it would take to get debt-free and what that process looks like. Zero pressure to sign up - the goal is to have an honest conversation about whether financial coaching makes sense for you. Book your free call anytime.
It depends on how much debt you have and how much you can put toward it each month. Most of my clients get completely debt-free in 12-36 months. During your free consultation, I'll calculate your exact debt-free date - not "someday," but the actual month and year. With financial coaching and proper budgeting help, people typically pay off debt 2-3x faster than going it alone because of the accountability and strategic planning.
You can work with me from anywhere in the United States! All of my financial coaching and budget counseling is done virtually via phone or video calls. So whether you're in Florida, California, Texas, or anywhere else, we can work together. You get the same personalized 1-on-1 service regardless of where you live. All you need is a phone or computer.
Free nonprofit debt counseling services are great, but they're usually one-time consultations or they enroll you in a debt management plan (DMP) where they handle payments for you. Debt coaching is ongoing personal support - you work with the same coach (me) every two weeks, get unlimited text/email support between sessions, and learn the skills to manage your own money confidently. Free services are often call centers with rotating counselors. With financial coaching, you get a real relationship and personalized help tailored to your specific situation.
I offer three coaching plans, all billed monthly — no lump sum required upfront. The monthly plan is $400/month (cancel anytime with 7 days notice). The 6-month plan is $300/month ($1,800 total) — the most popular option and where clients see the most dramatic results. The 12-month plan is $250/month ($3,000 total) — the best value for clients with larger debt loads. All plans include bi-weekly coaching calls, unlimited support, custom budget planning, and a complete debt payoff strategy. No upsells, no hidden fees, no insurance products. Just coaching. During your free consultation, we'll figure out which plan makes the most sense for your situation.
A week-by-week plan to stop feeling overwhelmed and start making real progress on your debt. Includes checklists you can print and use.
Get Free Guide →Book a free 30-minute consultation with a virtual debt coach. No sales pitch, no pressure. Just an honest conversation about your debt and whether coaching makes sense for you.