Financial Behavior Coaching

Financial Behavior Coaching Making money easier for adults who still feel like kids. Tell me what to do, or better yet do it for me, but don’t involve me in the process. Let’s do this!

I’m 30, I live in Nashville working as a Behavior Analyst, and up until a few years ago, the thought of any financial topic twisted my stomach into knots. I knew good money habits were necessary, but I didn’t want anything to do with the decision making process. Lucky for me, I was surrounded by people who were great with their money and were happy to do everything for me. Until I lost that safety

net. Suddenly I found myself at 28 with no idea how much to put in a savings account, how to pay a credit card bill, or where to even start with things like health insurance, 401ks, taxes, etc. Thankfully, I had people in my immediate community who were happy to teach me how to take control of my finances. And it turns out… I LOVED having that control. I thrived off of creating a budget, paying my bills on my own, meeting with my financial advisor, and learning everything I possibly could about how to create healthy financial habits. I never wanted to be in the position again where I had to rely on someone else for my financial well-being, and I made sure that was possible. Now, my goal is to help you… you very capable adult who still says things like “when I grow up” or refers to people as “real adults” (oh is that just me?). There are plenty of resources out there with the aim of helping you get rich or retire early, and I’ll admit I love learning from those. But as a Certified Personal Finance Wellness Consultant, my goal is to teach you the basics of personal finance so you feel confident handling it on your own.

Which one sounds most like you?!
03/19/2025

Which one sounds most like you?!

Avoiding investing might bring temporary relief from the stress and confusion, but in the long run, it means missing out...
03/17/2025

Avoiding investing might bring temporary relief from the stress and confusion, but in the long run, it means missing out on growth and relying on social security in retirement. While it feels calm in the moment, building wealth through smart investing is key to financial security and independence. Don’t let fear hold you back—start small and make a plan for your future!

In the wise words of Holly Hunter from The Incredibles, "Girls, come on. Leave the saving of the world to the men? I don...
03/12/2025

In the wise words of Holly Hunter from The Incredibles, "Girls, come on. Leave the saving of the world to the men? I don't think so."

Hey I get it ... investing used to be way more complicated and confusing. But even though times have changed, our belief...
03/10/2025

Hey I get it ... investing used to be way more complicated and confusing. But even though times have changed, our beliefs are still stuck in the past. Guys investing is SO easy and SO worth it.

Still scared? Use behavior momentum and start by opening and starting to contributing to your company's 401k. Then, keep that snowball rolling by opening an account at Fidelity, Charles Schwab, or Vanguard and starting a Roth IRA. It's *almost* as easy as your 401k, with just a few extra steps.

Does anyone else feel like this whole tariff thing changes every day? It's like Michael Scott and his vasectomy -- snip ...
03/06/2025

Does anyone else feel like this whole tariff thing changes every day? It's like Michael Scott and his vasectomy -- snip snap snip snap.

Anyway, this is what's happening today. Stay tuned tomorrow and we'll see what changes.

Thinking about buying a home? Make sure your mortgage doesn’t exceed 30% of your income, and be ready for hidden costs l...
03/05/2025

Thinking about buying a home? Make sure your mortgage doesn’t exceed 30% of your income, and be ready for hidden costs like property taxes and maintenance. A higher down payment can lower your monthly payments, but don’t forget to factor in closing costs (2-5% of the home price). Planning ahead helps you find a home that fits both your budget and long-term goals!

What's your stance -- yay or nay on home-ownership?

Not sure why you got a tax refund or owed money this year? A refund means you overpaid throughout the year, while owing ...
03/03/2025

Not sure why you got a tax refund or owed money this year? A refund means you overpaid throughout the year, while owing means you kept more of your money but might have a surprise bill. Either way, adjusting your withholdings or planning for deductions can help you take control of your taxes next year! 💰

Heads up for 2025! The investment limits are set, and it's time to plan your contributions. Roth and Traditional IRA lim...
11/26/2024

Heads up for 2025! The investment limits are set, and it's time to plan your contributions. Roth and Traditional IRA limits are staying at $7,000 (that’s $583/month). 401(k)/403(b) limits are increasing to $23,500—about $1,958/month—but remember, that’s pre-tax, so it doesn’t feel as heavy on your paycheck. And for those with HSAs, the new limits are $4,300 for individuals and $8,550 for families. Whether you’re maxing out or just starting small, consistency is key to growing your wealth over time.

Your debt does not define you—it’s just a chapter, not your whole story. You can still become confident in managing your...
11/18/2024

Your debt does not define you—it’s just a chapter, not your whole story. You can still become confident in managing your money, build wealth, and achieve financial independence. Progress might feel slow, but every step forward is a step closer to freedom. Don’t give up—you have the power to rewrite your financial future. 💪✨

The Fed is meeting this week to decide if they'll raise, lower, or hold interest rates—and all signs point to a rate cut...
09/16/2024

The Fed is meeting this week to decide if they'll raise, lower, or hold interest rates—and all signs point to a rate cut! 📉 Lower rates mean cheaper borrowing for things like loans and mortgages (good news for homebuyers 🏡), but it also means lower returns on savings accounts. When people talk about the Fed lowering "rates," they’re referring to the federal funds rate, which is the interest rate banks charge each other for overnight loans. This rate doesn’t directly impact us, but it sets the tone for things like mortgages, car loans, and credit cards. Stay tuned for the final decision—it’s just a matter of how much!

I'm so honored to have been asked to speak at 's inaugural conference: Self-Care and Grit! We'll be addressing the 7 pil...
07/29/2024

I'm so honored to have been asked to speak at 's inaugural conference: Self-Care and Grit! We'll be addressing the 7 pillars of fitness, including burnout, work-life balance, mindfulness, nutrition, sleep, fitness, and, of course, personal finance! I can't wait to talk to everyone about the power of investing and how to use behavior analysis to learn the nuts and bolts.

Register at brawnandbloom.com/conference and use the

Happy Summer Olympics Day! Enjoy these wild money facts about Paris and the Olympics in general. What do you think about...
07/26/2024

Happy Summer Olympics Day! Enjoy these wild money facts about Paris and the Olympics in general. What do you think about these facts? What's your favorite event to watch?

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