Common questions about Financial Coaching
What is a financial coach?
A financial coach is a personal guide who helps you take control of your money and reach your financial goals. Think of them as part money expert, part cheerleader—someone who walks alongside you to:
Set and achieve financial goals
Build and stick to a budget
Eliminate debt
Create healthy, lasting money habits
And no—you don’t have to be in a financial crisis to benefit! Financial coaching can help whether you're starting out, feeling stuck, or just looking to improve.
Note: Financial coaches do not provide investment advice. For that, you’ll want to speak with a licensed financial advisor.
How do I pay for coaching when I’m broke?
It’s a fair question—and one we hear often.
But here’s the truth: financial coaching is designed to put money back in your pocket, not take it out. It helps you build habits that stop the cycle of stress and financial setbacks. So instead of asking, “Can I afford coaching?” maybe ask, “Can I afford to keep doing things the same way?”
Other options like credit counseling or bankruptcy often treat the symptoms—but not the root habits. Coaching goes deeper. It helps you build a lasting plan and change the behaviors that got you stuck in the first place.
And if you’re worried about judgment—don’t be. At Harbor of Hope, there’s no shame here. We work with people from all walks of life and all income levels. You won’t be looked down on—you’ll be encouraged, supported, and equipped to move forward.
Financial peace is possible—and we’re here to help you get there.
How do I get my spouse on board?
Marriage isn’t about “me”—it’s about “we.” When it comes to money, working together is the key to lasting success. In fact, many couples find that honest conversations about finances actually reduce stress and strengthen their relationship.
At Harbor of Hope, we believe so strongly in this that it’s one of our core teachings.
If you're having trouble getting your spouse on board, don’t worry—you’re not alone. Let your coach know, and we’ll help you navigate the conversation with empathy, wisdom, and practical tools that honor both perspectives.
Will you set up a payment plan for my coaching fee?
No—mainly because we don’t want to become your creditor. We’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, the initial consultation is completely free.
