Level Up with Pamela

If you’re losing sleep over your financial situation, you’re not alone. One survey found that 90% of Americans say their financial situation affects their stress levels. More than half (65%) said their financial difficulties were piling up to the point where they didn’t think they would ever be able to get out from under them.

So, yes, it’s normal to worry about money. But that doesn’t mean stressing over your financial situation is unavoidable. It just means most people haven’t been taught how to make the most of their money.

The fact is learning what to do with your money is easy. Becoming the person who implements that knowledge is the hard part.

That’s where I come in.

What Is Financial Coaching?

As a financial coach, I think of myself as being somewhere between a money expert and a life coach. I can’t work through all your issues with you, but I can help you explore your feelings around money so we can identify what’s holding you back, then work through those barriers.

Just like you would hire a personal trainer when you want to get your body in shape, a financial coach can help you when you get your finances in top shape.

I can’t show you how to fix your whole life. But I can help you fix your financial life so you can use money to support the life you want to live.

Meet Pamela

I’m the Empath with an MBA. I help you to make the most out of your money. After thirty years of education, work and life experience, I know the right steps to take with your money. More importantly, I can identify your current feelings about money that are holding you back from the financial security you deserve.

I’ve spent many years working in the corporate world of finance, and I still work part-time as an accountant, but I knew that wasn’t enough.

When I encountered financial coaching in 2020, something clicked. I knew this was right for me.

So, I went to school for financial coaching and launched this business so I could help people like you feel great about money.

  • Like many college students, I graduated with a huge credit card bill and a dead-end job. I was broke, in debt, and depressed.

    Eventually, I realized no one was coming to save me. If I was ever going to get out of this hole, I’d have to dig my own way out, so I’d better start looking for a shovel.

    I started by reading every book on personal finance I could find. Then I applied to business school and ended up getting an MBA in finance and statistics.

    After graduating, I went to work as a financial analyst and later became a corporate accountant.

    I had never thought about owning my own business until I started watching TikTok videos in 2020. I came across financial influencers making videos full of personal finance lessons, and I was so inspired! I wish there had been financial influencers in the ‘90s when I was getting out of college. I’m grateful for the access I had to the books I read on personal finance, but not everyone wants to read a whole book on personal finance.

    Many people would much rather watch a short video with one tip they can implement that day, and I think it’s great that now we have platforms like TikTok and YouTube where they can go to get those videos. I’m all about making information available to everyone and making it easy to consume, especially when it comes to financial literacy. It’s such an important topic that affects every one of us.

    In the ‘90s there was no financial coaching and no videos on finance. Your options were to read books or hire a CPA for tax planning or a financial advisor to help you invest. Investing was seen as something that was only for the wealthy. There was no one to help small investors get started.

    Fast forward to 2020 and suddenly we were all looking at the world and our lives differently. The chaos and unpredictability of that year, combined with the fact that my kids had grown up and moved out of the house, made it an ideal time to take stock of my life and what I wanted this next chapter to look like.

    I knew I wanted to make a contribution to the world around me. With my education, work experience, and life experience, personal finance seemed to be the area where I could do the most good.

    In 2021 I started making my own videos with personal finance tips and posting them to TikTok. That’s when I discovered financial coaching, and it just made sense as the next step in my journey. So I signed up for the Financial Coach Academy, which is the premium course in the industry. I graduated in December of 2022 and started taking on clients in 2023.

    I’m having way more fun as a financial coach than I ever had as a financial analyst or corporate accountant! I’m good with numbers, but I also love working with people, and I’m a really good listener. I’m so grateful this job allows me to combine all the things I love and do well: Help people by listening to their struggles with money, and working with them to come up with a solution that works for them.

    One of my favorite things about this job is that every client is unique, which means I get to come up with unique solutions for each one of them. No one person is identical to another person, and no situation is identical to another situation. So it stands to reason that a financial solution that works for one person might be a disaster for someone else.

    I’m having so much fun in this new business already, and I can’t wait to see what the future holds for me and my business.

    What does it hold for you and your financial goals?

Do You Need Financial Coaching?

You could benefit from financial coaching if you:

  • Make good money, but somehow never seem to have enough

  • Hate budgeting, or you always set a budget, but can’t manage to stick to it

  • Feel like you’re not getting the most out of the money you have

  • Are getting divorced or have recently been divorced and need help straightening out your finances

  • Are tired of the stress and turmoil that come with feeling like your money controls you instead of the other way around

  • Just want to grow your money!

If any of this resonates with you, I want you to know that, not only are you not alone, but you don’t have to put up with this forever. You can learn good money habits and start implementing them to improve your financial future. You just need to learn how to change your habits.

I can take you from stressed and overwhelmed to feeling calm and confident about your financial future. Ready to get started?

Different Ways of Working with Me

Because every situation is different, each one requires a unique approach to make sure you get the results you deserve.

I offer three different levels of coaching:

Foundation Session

$197

Ready to try financial coaching?

  • One-hour Google Meet session

  • Start learning about what’s holding you back from financial success

  • Best if you need help with a specific issue, such as managing debt or saving more

  • See if financial coaching is right for you

Popular

Four-Month Coaching

$1,197

One hour not enough for you?

  • 30-minute coaching sessions over a period of four months

  • Get to the root of your money blocks

  • Dig deeper to uncover old money stories at the root of your unwanted habits

Eight-Month Coaching

$2,397

If the roots of your money beliefs run really deep, we might need eight months to dig them all up.

  • 30-minute coaching sessions over a period of eight months

  • Uproot those pesky money stories

  • Plant new money stories in their place so you’ll feel empowered to move forward

What to Expect During a Financial Coaching Session

It can be nerve-wracking to talk about money – especially your money.

The good news is that a coach is not a nanny or school-principal. I don’t focus on mistakes and punishments. Instead, I focus on your goals and a game plan to accomplish them.

  • We start by talking about your goals – where do you want to be with your money? What do you want your money to do for you?

    You can tell me your worries, what’s not working out, and what you wish was different. I promise I’ve heard it all – try me.

    What keeps you up at night? What freaks you out? Once you tell me, we can make a plan to help you achieve the financial freedom you deserve.

  • I will send you some onboarding documents.

    I will need a short money snapshot, including a list of expenses, or a budget if you have one (if you don’t, no worries.)

    Don’t be shy or ashamed – I’m here to help. And the more I know, the better equipped I’ll be to help you.

  • I use Google Meet for all my coaching sessions. It’s important for us to see each other! Please keep your camera on.

    We will get to know each other a bit, then dive into your onboarding documents and what you hope to achieve from coaching.

    You are unique! So your session will be different from everyone else’s. There are some common topics we all think about, but only once I know your goals can I help you achieve them.

  • I wish I could do this for you, but I can’t. I can show you what to do and how to do it, but at the end of the day, you have to be willing to put in the work.

    You will have “homework” to do after each of our sessions. But it will be manageable, I promise! And we decide what tasks you need to complete to move closer to accomplishing your goals.

  • Nope. I’m not a magician – wish I was! Nothing is guaranteed in the financial world – and if someone claims to guarantee anything, it’s probably a scam.

    But here’s what I am confident about: you will learn the tools and tasks needed to improve your finances. Plus, I’ll be there to encourage you and give you support.

What People Have to Say About Pamela

  • On a scale of 1-10, how likely are you to recommend Pamela Finance? “10. Easily. 2 calls forever changed my financial future.”

  • “I have an understanding of where my money is and how it is working for me that I never had before. I feel so much more confident in my financial future.”

  • “I finally have hope and confidence with my money; I felt out of control before.”

  • “Pamela was able to give me a perspective about managing finances in way that was both reassuring and enlightening.”

  • “Pamela is very approachable, knowledgeable and tailors strategy that fits your means.”

  • “Talking to you truly gave me so much clarity and I know it changed my financial future. I’m forever grateful.”

  • “Pamela – we have only had two financial coaching sessions and I already feel so much more abundant and secure in my financial plan. I was so nervous, but you make me feel so comfortable! I didn’t know where to start with “cleaning things up” and you’re making it feel so easy. Thank you. Looking forward to working with you all year!”

  • “I had always wanted to find someone I could ask all my questions to honestly and without judgement, but I knew it had to be someone I could trust. I had so many questions that I just couldn’t find clear answers to on Google because I never felt like the generalized suggestions applied to me.”

FAQs

  • A financial advisor looks at your financial situation, including your assets and income, and invests money for you for the long term.

    Financial advisors are great for investing money, but they usually don’t get into the deep weeds of your money habits and beliefs. They don’t help you change your financial habits, and they take a numerical approach, not a life-coaching approach.

    If a financial advisor gives you a plan and you can’t seem to stop yourself from veering off course, it’s because you have money blocks holding you back. Your brain wants the best for you, but sometimes it gets nervous when you try to do something you’ve never done before, so it stops you from doing something new for fear it might be dangerous. It’s a great system that works most of the time, but it has its flaws.

    I can help you change your money habits and beliefs so they work for you instead of against you.

    After working with me, you’ll be able to follow the plan your financial advisor gives you so you can achieve your goals.

  • Let’s talk about Dave Ramsey. Dave is a financial coach, and a very well-known one. That’s where the similarities end. He uses rigid rules, a harsh approach and masculine energy. His tough-love (or just tough) approach works for some people, but that’s totally not me. My approach is that your thoughts and feelings matter, coaching is a collaborative process and I have a feminine energy. My approach also gets big results, and helps you build cha-ching in your life.

  • My clients come to me when they’re fed up with money running their life and they’re ready to flip the script.

    Financial coaching is all about helping you figure out how to make your money work for you in achieving your life goals instead of working against you.

    Ready to get in the driver’s seat?

  • We meet online to discuss the specific challenges you’re having around money and your thoughts around money.

    Depending on how much coaching you decide you need, we might dig deeper into those thoughts to find the beliefs behind them.

    Then we can change those beliefs, which in turn changes your thoughts, which in turn changes your habits.

    Once you have positive beliefs around money, everything else falls into place.

  • I prefer working with both partners in a marriage because, as with anything else in marriage, it’s easier to accomplish your goals if you’re both on board.

    Some financial coaches refuse to work with one half of a married couple, but that’s one thing that sets me apart. I believe that one person in the marriage learning good money habits and developing positive money beliefs is better than no one learning. Hopefully, over time, the spouse who participates in financial coaching will be able to work better with their partner.

  • Financial coaching is most helpful to those who feel stuck in their financial situation.

    That feeling of being stuck is often caused by spending they feel they can’t control, or they feel unable to save money (or both).

    Those behaviors won’t go away until you get to the root of them, and that’s where a financial coach can help.

    I’ve seen and heard it all when it comes to money habits, and I know how to identify the underlying beliefs that tend to lead to destructive money habits.

    Once we know what those underlying beliefs are, we can dig them up, throw them out, and replace them with new, positive money beliefs that will make it easy for you to work towards your goals.

    You pay once to learn how to develop money habits that will serve you well the rest of your life. Over the years to come, the financial coaching will pay for itself many times over.

  • Financial coaching is ideal for those who are “bad with money.” It helps you identify the thoughts and beliefs that cause you to make bad decisions with your money. Then we replace them with thoughts and beliefs that make it easy for you to make good decisions with your money.

  • Absolutely. In fact, people without a high income are most in need of financial coaching. Because they have less money to work with, they need to know how to make the most of what they have.

    People with a low income can’t afford to have negative money beliefs.

  • First, congratulations on getting out of debt!

    Second, yes, whether you just got out of debt, or you were never in debt, financial coaching can help you stay out of debt.

    When you learn how money works and develop good money habits, you learn the strategies and habits for building up your savings and staying out of debt.

    This is not to say you will never again go into debt, because debt by itself is neither good nor bad. It’s a tool and it can be a very useful tool for funding something important when you don’t have the cash on hand to pay for it. Student loans are a great example of debt that can be used beneficially, but can also spiral out of control if you’re not paying attention.

    Through my coaching, I help you pay attention.

  • Financial coaching is really for everyone! It’s not just for people with financial stress. You can always get better with money. Elite athletes and C-level executives have coaches. Why? They want to get even better that they are right now.

    Here are some unusual situations:

    • You inherited a lot of money, and you don’t feel comfortable with wealth

    • There’s a thought in the back of your mind, “what if it all disappears some day?”

    • You earn a lot more than your family of origin, and you feel like an imposter

  • Nope. That’s a financial advisor who invests money for you.

    A financial coach is a coach – that means they help you build the skills and methods to get from point A to point B, but ultimately you are the one in the driver’s seat.

    It’s a lot like an athletic coach. An athletic coach can tell you what exercises do you and make nutritional recommendations based on your fitness goals, but they can’t do the workouts or eat your diet for you. You are the one who has to make the daily decisions about whether to workout, when to workout, which exercises to do, when to eat or not eat, and what to eat. The same is true for financial coaching, except I teach you about how to make better decisions with your money instead of your body.

  • Absolutely not. No one wants to track every, single dollar they spend, and you shouldn’t have to.

    But you should have a general idea of how much you spend on each area of your life each month. If that’s something you struggle with, financial coaching can help you feel differently about budgeting. I promise it doesn't have to be scary. In fact, it can be empowering when done right.

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