you are
Bigger Than Your Money
Money Can Work For You
Coaching Options
Some people come to us in a hard spot. Many come doing well and wanting a second set of eyes: a checkup before retirement, a plan for an inheritance or the sale of a business, or an honest, fee-only opinion from someone with nothing to sell.
Taking ownership of your finances and starting to work toward your Big Life Goal is a choose-your-own-adventure story. We’re here to help and support in whatever way feels best to you.
The only money we will make from you is the money you pay us. We will never sell you a service from which we make any money, or make any money off a referral. The way to recognize this is when people say they are “fee-only”. “Fee-based” is not the same thing! That means our only goal is helping you, not helping us make money off you. If you ever have trouble understanding the plain-English version of some fancy talk, we are happy to help!
Coming as a household? Household packages include a private session for each of you, so you can each get clear on your own goals before building shared ones. Working with two people takes more time, so household prices are a little higher.
One of you handles the money? The individual rate applies, and your partner is welcome at any session at no extra cost. We hope you'll bring them now and then. When one person does it all, money can quietly become one person's decision, often without anyone meaning it to, and the other is left exposed after an illness, a death or a separation.
The healthiest families talk openly, even about tense subjects. If money feels stressful at home, that's exactly where we can do the most good.
Whatever you share in your own session stays private unless you choose to share it.
Please, don’t let lack of money stop you from getting help with your money. Discuss your situation with us and we can work something out.
Don't see a time that works for you on our booking calendar? Email hello@biggerthanyourmoney.com and we'll find one.
Your Options
Single Sessions
Best for one big question or a quick checkup; most people benefit more from a “Complete Assessment” which looks at the whole picture
Pay It Forward $225
Standard $150
Access $50
Households (two of you): Pay It Forward $300 · Standard $200 · Access $65
Complete Assessment
Choose how much support you need in follow ups:
Complete assessment, unlimited follow ups over six months: Pay It Forward $1,800 · Standard $1,200 · Access $450
Households (two of you): Pay It Forward $2,075 · Standard $1,375 · Access $525
or
Complete assessment, three follow
ups over six months: Pay It Forward $1,200 · Standard $800 · Access $300
Households (two of you), with a private session for each of you: Pay It Forward $1,600 · Standard $1,050 · Access $400
Please, don't let lack of money stop you from getting help with your money.
Further sessions are at your Single Session rate. After an initial six month cycle, tune-ups recommended every six months.
Support Circles
Bring your own Circle!
If one-on-one financial coaching is not right for you (or not right for you yet!), think about setting goals with friends—with expert guidance.
Each member will develop their Main Goal and two Side Goals to track and report. Groups will vary from three to eight people. We will have time for each person to report, and some time for specific questions.
Each group can decide on a meeting schedule. Rates are per person, per meeting: Pay It Forward $50 · Standard $35 · Access $15. Or save with a 6-meeting package used within six months: Pay It Forward $270 · Standard $190 · Access $80.
Please, don't let lack of money stop you from getting help with your money.
Accountability Plans
Maybe you have clear goals and plans—but you are having a hard time keeping yourself accountable. Having an experienced accountability coach can be the difference between success and failure.
Includes a check in on goals every two weeks
3-month plan: Pay It Forward $450 · Standard $300 · Access $120
Households (two of you): Pay It Forward $600 · Standard $400 · Access $160
Please, don't let lack of money stop you from getting help with your money.
Group Education
Bigger Than Your Money Fundamental, Advanced, or customized talks or group sessions available. Please discuss your needs with us, and we’ll figure something out!
Gifts
Financial coaching works best if people are committed to it for their own reasons—but sometimes people don’t know what they don’t know! A gift of financial coaching can help people establish goals and clarify strategies. It is a great way to celebrate a graduation, a new job, a new life partnership, or someone
forging a new path.
Success Stories
This week's money idea
When your pay changes every month, plan around your leanest one
If your money arrives in different amounts at different times (freelance work, gig apps, commission, seasonal jobs, a 1099 here and a paycheck there), a lot of budgeting advice can feel like it was written for someone else. "Plan around your monthly income" is hard when you don't know what that income will be.
One idea that you’ve probably thought of: build your plan around a lean month, not an average one. Look back over the last several months and pick one of your lower-earning ones. That becomes your baseline, and the size of the steady “paycheck” you’ll pay yourself. But how? How do you actually make that work?
Here’s where you can really make a difference, with very little work: automate that stuff. Automation is a true secret weapon in making your finances work in a thousand different areas. You’re going to hear a lot about automation from us.
Set up two bank accounts – your “real” one and the one your inconsistent income goes to. Then automate a paycheck from your “landing” account to your “real” one. Let a little build up in the landing account first, so a slow month doesn’t leave the paycheck with nothing to draw on. Our brains are amazingly trainable. If you get used to seeing “only” a set amount landing in your “real” checking account, but it’s steady and consistent, after a few months you can get your brain to pay attention to only that money, if you firmly and consistently ignore the other account for spending. (It’s also where money for taxes waits, if no one is taking them out of your pay.)
If you do this right, it also automates the first step toward financial stability: a real emergency fund, kept for true emergencies only, not for a flat tire or a sick week. Set your paycheck a little below what usually comes in, and the difference quietly builds up in the landing account.
One small thing to try this week: write down roughly what came in for each of the last six months (a good guess is fine), circle the lowest, and check which of your must-pay bills that amount would cover.
If you'd like help building a plan that fits income like yours, just reply to this email or write to hello@biggerthanyourmoney.com. Our free spending plan is yours for the asking, too.