Kelli Racca- 101 Financial

Getting out of debt can feel overwhelming.

At 101 Financial, we teach people about managing money, so they can make informed financial decisions and enjoy a full, rich life.

Operating as usual


Registration is closing this week! Don’t let your kids miss out on learning personal finance. Set them up for success! All classes held on zoom.

💰🌟To enroll, go to link in comments 🌟💰

Timeline photos 08/10/2021

Reading is a lifelong pursuit that is worth every single bit of effort you put into it. No time for traditional books? Try audiobooks on your commute or daily walk.

Timeline photos 08/06/2021

Will this be the year you stop living in financial fear?

Timeline photos 08/02/2021

Take the first step towards financial peace of mind today!

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Invest in your financial health today.

Timeline photos 07/28/2021

Did you know the majority of adults don't know if they will ever be able to live debt free? Are you one of them? You don't have to stay in this majority. You can achieve financial peace with 101 Financial's four fundamentals: Better Budgeting, Smart Banking, Credit Building, Debt Management.

Timeline photos 07/27/2021

If you get a raise, chances are you can live just fine without it. So, follow this advice to boost your savings.

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Come to a free workshop and learn what Ben Franklin meant when he said, "A penny saved is a penny earned." (208) 407-1863

Ready to make a move? 07/21/2021

Moving soon? Whether you're moving yourself or hiring a mover, here are some important steps to ensure your move is a successful one:

Ready to make a move?

Timeline photos 07/19/2021

“The act of taking the first step is what separates the winners from the losers.” ― Brian Tracy. Take the first step toward financial peace of mind today!

Timeline photos 07/16/2021

I hear stories like this all the time. Are you ready to take control of your financial health? You're worth it.

Timeline photos 07/15/2021

Adopting a new habit requires commitment. Serious commitment. According to a study published in the European Journal of Social Psychology, the average time required to make a new behavior automatic, a habit, is 66 days — and it can take longer. So anytime you set out to adopt new — healthier — habits, start by having the right mindset. When it comes to adopting healthy money habits, first acknowledge that it will take time; then commit to making your new money behavior a habit. The financial benefits will be well worth the effort.

Timeline photos 07/12/2021

Did you know that once the principle balance on your mortgage drops below 80% of your home's value you no longer have to keep paying PMI? That's the Private Mortgage Insurance your lender may have required you to enroll in. It's time to take a close look at your mortgage account. (Because your lender doesn't have to drop the PMI until 78%). Learn more:

Timeline photos 07/09/2021

Just think how different your life could be without your monthly mortgage payment!


“Hey Kelli, just wanted to let you know we paid off the loan for the Tesla. Check that one off the list.” ✨I love these kind of messages. My students are reaching their goals and feeling so excited about their financial future.

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Timeline photos 07/05/2021

Keep moving forward!

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Take charge of your finances, take charge of your life.

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One of the best ways to make a goal achievable is to break it into smaller steps. It's true for your business goals, your health goals, and your financial goals, too.

Timeline photos 06/28/2021

Do you want to become debt-free? It's not an impossible task. It simply requires patience and discipline with your budget. I can help! Learn more from my website:


Big shifts are happening in my family and it all started with getting very intentional about having more FUN together. This fall I read an amazing book by Julie Bogart, called The Brave Learner, she talks about kids remembering what they learn and wanting to dive deeper when they are experiencing JOY. So simple, yet so difficult for me in my own life. Maybe you can relate too, as a mom, I struggle to play, to jump in on the fun and let loose with my kids. Its always been my default mode to watch them have fun and not make it a priority for myself.

Thankfully, times are a changing! This summer has been the start of a new chapter for us, playing together daily, experiencing more fun together is the priority and it’s been just what this momma needed. It’s done a couple key things for us that I want to share.

✨brought us closer as a family
✨so much to look forward to as a family ✨more laughter, more fun= better days

This pertains to so much in life, when we make it a priority, the energy around it naturally shifts. As a financial coach, this is often the most important shift my students make. I take my students on a financial journey of learning about their personal flow of money, and then learning how to create a new flow that will benefit them to reach their goals faster. The knowledge and new found energy sparks hope and joy and they end classes saying things like, “this is exciting!”

If your finances aren’t exciting and sparking joy for you, let’s talk. I’ll help guide you to more JOY around your financial life which will help you get to where you want to be faster and have some fun making it happen. It’s a win, win!

Cheers to your success, playing hard and making this summer the best one yet!

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Timeline photos 06/23/2021

If your first response to the idea of living debt free is "no way," it's time to reset your thinking to "yes way." And I want to help you find the way to financial peace of mind. 101 Financial's system gives you a simple starting point so you can control and get your personal finances on track to a debt-free life.

Timeline photos 06/21/2021

"Circumstances do not make the man, they reveal him." - James Allen, British writer. Take control of your financial journey. If you desire a debt-free life, seek out the financial education you need to achieve it. Let's do it together!

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A goal without a plan is just a dream. Let me help you make a plan — and execute on it!

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Do you ever see an item in Goodwill or another thrift shop and think, "I could make some money off of this by selling it?" If so, you may be onto a good side gig.

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When you get your financial health in order, great things can happen. Invest in yourself! Give me a call today: (208) 407-1863.

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More JOY! Idaho mountain FUN!





Boise, ID

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
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