The Core Principles That Shape How I Coach
When it comes to money, there’s no shortage of information and advice out there. “Spend less than you make. Save more. Stop buying lattes.”
But if almost everyone has access to that information, why are 70% of Americans still living paycheck to paycheck?
Because, while that advice looks good on paper, it doesn’t address how money actually works in real life.
Over time, I’ve found a handful of principles that cut through the noise and get to the root. These are the foundations I come back to again and again with my clients and with myself. They’re simple, but they shift everything.
1. You’re Not Broken… You’re Just Human
Struggling with money doesn’t mean something’s wrong with you. It just means you’re a human, and humans can learn, grow, and change.
Which feels easier to overcome, “I’m broken” or “I made a mistake”?
No one is perfect. But when you start believing you are broken, or that you aren’t smart or disciplined enough, you make the problem bigger than it is.
Mistakes, on the other hand, can be corrected. They are opportunities to pause, learn, and make a more intentional choice next time.
2. Money Involves Emotion, Not Just Math
Money itself is just an indicator of what is happening beneath the surface.
The question isn’t how much you’re spending, it’s why you’re spending.
Most people don’t overspend because they’re bad at math. They overspend because they are trying to fill a need. They’re stressed, tired, lonely, or chasing a feeling of control.
The “perfect plan” won’t work unless you address the emotions driving your financial choices.
3. Awareness Creates Clarity Creates Change
Hiding from problems or pretending they don’t exist only makes them grow.
The vague dread of the unknown is almost always more uncomfortable than facing the truth.
When you bring awareness to your finances, clarity follows. Clarity calms the chaos. Suddenly, what felt overwhelming becomes specific.
A problem you can see is a problem you can solve, no matter how big.
4. Change Comes From Small Daily Choices That Compound, For or Against You
Big all-or-nothing pushes usually burn out. But small daily choices, made consistently, always add up, either toward stress and debt, or toward peace and savings.
Is there something you wish you started doing 10 years ago? Are you doing it now?
Ten years will come and go again. Will you look back and wish you’d started, or thank yourself that you did?
Transformation doesn’t take perfection. Just 1% better every day compounds into 365% growth a year. That’s the power of small, consistent action.
Why These Principles Matter
These aren’t quick tips or hacks. They’re the truths that make sustainable change possible.
If you take just one thing away, remember:
You’re not broken. You’re human. And any ANY human, with awareness, clarity, and consistent steps, can change their story.
Your financial story isn’t finished. You get to decide what comes next.
If these principles resonate with you, I want to invite you to set up a consultation with me. Together, we’ll look at your unique situation, uncover what’s keeping you stuck, and create a path toward the future you want.