Sessions 1–4: Before we touch a budget, we'll get honest about your money story and what you actually value. We'll connect your accounts in Monarch Money so you have full visibility into where your money's going. From there, I'll walk you through a complete financial audit. This is a clear picture of your last three months, no guessing involved. You'll head into Month 2 with real clarity and a plan built around your specific situation.

You'll build a budget that actually fits your real life and we'll brainstorm ways to bring your spending life in alignment with values. By the end, you'll have a spending plan & debt payoff plan you can stick to and a clearer sense of what's possible on the income side too.

We will keep pacing toward your goals with ongoing support, revisit and update your budget based on everything from Months 1 and 2, and dig into whatever topics matter most based on where you're at by then. It's the month that ties everything together and makes sure the plan actually holds.