JDJ Financial Coaching

30/06/2026

You're half way through 2026, what has changed with how you manage your money from month to month? If nothing has changed, what's stopping you?

20/10/2025

Dave has some great points here! Dave Ramsey

https://www.facebook.com/share/p/17hpujAZCB/?mibextid=wwXIfr

There are four main areas of money that children need to learn:

1. Work. Money comes from work, not from other people, the government, or dumb luck. From an early age, your kids need to feel that emotional connection between work and money. That's why my wife and I paid our kids commissions, not allowances. You work, you get paid. You don't work, you don't get paid. It's true for parents, and it should be true for kids.

2. Save. Teach your kids early on how to save up for purchases. If they learn how (and why) to save up for a toy today, they'll know how (and why) to save up for a car or house tomorrow with no debt.

3. Spend. Let your kids have some fun with their money and experience the awesome feeling of buying something they want with money they saved. If you keep it all in the piggy bank and never let them enjoy it, they'll either grow up into miserable old misers or they'll rebel and become crazy, debt-ridden spenders once they hit college.

4. Give. Giving is the most fun you can have with your money. Nothing beats making a waitress's day with a $100 tip out of the blue. Just make sure your kids give their own money. If you hand Junior a dollar to drop in the offering plate on Sunday morning, he's just a courier for your money. He needs to know what it feels like to really give out of his own pocket.

Learning these four areas (especially giving) brings your kids a depth of confidence and character they'll never have otherwise.

14/10/2025

What are your reasons for getting life insurance?

29/07/2025

Recently, a close family friend went through something no one should ever have to face—her husband passed away suddenly and unexpectedly. 💔

As if the heartbreak wasn’t already overwhelming… she then found out he didn’t have any life insurance.

Now, on top of grieving, she’s left scrambling to come up with over $10,000 just for a cremation. No savings. No plan. No backup. Just bills piling up while she tries to hold it all together.

Listen—this is not a scare tactic. It’s real life.

We plan for vacations, birthdays, and home renovations… but we avoid planning for the one thing that’s guaranteed: death.

💡 Life insurance isn’t for you—it’s for the people you leave behind.
💡 It’s not just about covering final expenses—it’s about giving your family peace during chaos.
💡 It doesn’t have to be expensive—but not having it can cost your loved ones everything.

Please don’t wait. If you don’t have coverage, get it. If you’re not sure what kind you need, ask someone who can help. Do it for the people you love.

Because when the unthinkable happens, your family deserves space to grieve—not stress over a $10,000 funeral bill. 🕊️

28/07/2025

🚨 Had a tire blowout on the highway yesterday… and it turned into a $1,000+ problem. 😩💸

One minute I’m driving, the next I’m pulled over on the shoulder wondering how fast my day (and my wallet) just fell apart. What should’ve been a quick fix ended up costing me over a grand—just to replace a tire and get everything safely back on the road.

No warning. No prep time. Just a loud POP and then a very expensive lesson.

Here’s the truth:
❗ Emergencies don’t care about your plans.
❗ They don’t wait for payday.
❗ And they definitely don’t show up when it’s “convenient.”

If you don’t have an emergency fund yet, this is your sign to start. Even $20–$50 a month can build a cushion that keeps moments like this from turning into a full-blown financial crisis.

Because life happens. And sometimes, it blows out your tire at 70mph. 🛞💥

28/06/2025

What’s the real cost?
Let’s talk numbers.

A basic cremation can cost $10,000 or more—and that’s without a service, burial, or anything extra. If something happened to you tomorrow, would your family have that kind of money ready?

Now compare that to a life insurance policy that could cost $30–$50/month (sometimes even less). That’s a couple takeout meals, a streaming service, or a tank of gas.

So, what’s the greater burden?
👉 A small monthly premium
or
👉 Your loved ones scrambling to come up with thousands while grieving

Life insurance isn’t for you—it’s for them.
Protect them from financial stress during the hardest time of their lives.

DM me to learn how affordable it can really be. Let’s get you covered. 🙏🏾💼💙

12/06/2025

PLEASE take the time to listen to this video!!!

Life insurance is a safety net for your family when you are no longer around to provide for them financially.

Call or text me: (331) 210-4786

17/03/2025

What is Financial Coaching?

11/03/2025

I love when we can help our clients find the life insurance they need, not what we think they need.

We help you find what best fits your current situation and budget.

Please let us know how we can help you find the financial protection you need.

07/03/2025

We were able to help a dad get some life insurance this week!