Beyond the Number$ Financial Coaching

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Beyond the Number$ Financial Coaching I guide people by helping them develop a stress free financial plan so they can live their best life Zoom, Phone or In-person sessions

🎙️ New Budgets for Badges Episode!“Don’t tell my spouse how much I spent” can sound like a joke… until it isn’t.This wee...
10/02/2026

🎙️ New Budgets for Badges Episode!

“Don’t tell my spouse how much I spent” can sound like a joke… until it isn’t.

This week, Rebecca and I are talking about money, relationships, and financial secrecy—and why honest conversations about money matter.

🎧 Listen to the newest episode of Budgets for Badges link in bio

You make decent money.Maybe even really good money.But somehow you’re still…Working extra shifts to keep up.Wondering wh...
09/30/2026

You make decent money.

Maybe even really good money.

But somehow you’re still…

Working extra shifts to keep up.

Wondering where the money went.

Using the credit card for things you thought the paycheck would cover.

Putting money into retirement—but not really knowing if it’s enough.

Making financial decisions without knowing how they fit into the bigger picture.

And thinking…

“I make too much money to feel this stressed about money.”

That’s not necessarily an income problem.

It may be a financial resiliency problem.

And before you can change it, you need to know where you actually stand.

I created my FREE How Financially Resilient Are You? assessment to help you do exactly that.

Take the assessment and I’ll also send you my 5 Steps to Financial Resiliency so you know what to start working on.

👉 Take the free assessment — link in bio.

Don’t just make more money.

Build a life where your money gives you more choices.

Resilient Money. Resilient Life.

Financial resiliency isn't a number in a savings account.It's what that number allows you to do.Handle an emergency with...
09/28/2026

Financial resiliency isn't a number in a savings account.

It's what that number allows you to do.

Handle an emergency without panic.

Say no to an overtime shift.

Take time away after a difficult call.

Leave a job that is no longer right for you.

Take the trip.

Retire.

Say yes when something truly matters.

Money doesn't solve everything.

But having financial margin can give you something incredibly valuable:

choices.

That's why I say:

Resilient Money. Resilient Life.

Not sure how financially resilient you are right now?
Take my free How Financially Resilient Are You? assessment. You'll also get my 5 Steps to Financial Resiliency.
Link in bio.

09/23/2026

One question can change the way you spend money:

“Is this what I want to be spending my money on?”

Not: Can I afford it?
Not: Do I deserve it?
Not: Is it on sale?

Do I actually want this more than what I’m working toward?

Because every yes with your money is also a no to something else.

Maybe your yes is travel.
Paying off debt.
Sending your kids to private school.
Retiring sooner.
Working less overtime.
Or simply having enough money set aside that an unexpected expense doesn’t wreck the month.

I’m not here to tell you what you should spend your money on.

I want you to know your numbers well enough that you get to decide.

And if you’re making good money but still wondering where it all goes, that’s exactly where we start.

Take my free How Financially Resilient Are You? assessment and get my 5 Steps to Financial Resiliency.

Link in bio.

**What are you working FOR?**We spend a lot of time talking about what we do for work.How many hours we work.How much we...
09/21/2026

**What are you working FOR?**

We spend a lot of time talking about what we do for work.

How many hours we work.
How much we make.
How much overtime is available.
When the next shift is.

But what about the life all that work is supposed to support?

This. This is part of mine.

Experiences. Travel. Adventure. Time with the people I love.

Your answer might be completely different.

Maybe you're working for your kids.
A home.
Retirement.
More time.
Less stress.
The freedom to take an extra day off.

Money isn't the destination.

**It's a tool to build the life you actually want to live.**

So I'll ask you the question:

**What are YOU working for?**

09/18/2026

Nobody plans for divorce when they get married. But when a marriage ends, you’re often dividing an entire financial life.

For first responders, that can mean pensions, retirement accounts, overtime income, shared debt, and the cost of maintaining two households.
In today’s episode of Budgets for Badges, we’re talking about the financial realities of divorce and what it takes to rebuild afterward.

One important takeaway: Both partners should understand their household finances, know where the accounts are, and understand their retirement benefits.

That’s not preparing for divorce. That’s being financially prepared for life.

Listen to our newest episode, Dividing More Than the Furniture: Divorce for First Responders.
Find Budgets for Badges on Spotify or Apple Podcasts. Link in bio.

09/15/2026

Making good money and feeling financially secure are not the same thing.

You can earn a great income, work overtime, get raises—and still wonder why you don’t feel like you’re getting ahead.

More money can help. But more money without direction doesn’t automatically create financial resiliency.

If you’re ready to figure out where you actually stand, start here:

Take my FREE “How Financially Resilient Are You?” assessment.

You’ll also get my 5 Steps to Financial Resiliency to help you know what to work on next.

👉 Link in bio.

Resilient Money. Resilient Life.

You make good money.Maybe REALLY good money.So why does saying **no** to an overtime shift still make you nervous?For a ...
09/14/2026

You make good money.

Maybe REALLY good money.

So why does saying **no** to an overtime shift still make you nervous?

For a lot of first responders, overtime stopped being “extra” a long time ago.

The mortgage got bigger.
The truck payment showed up.
Credit cards crept in.
Everyday spending increased.
And somewhere along the way, OT became part of what it takes to keep everything running.

Now another shift isn't really a choice.

**You need the money before you've even earned it.**

That's the OT Trap.

And I'm not anti-overtime. I've worked plenty of it.

I want you to be able to use OT intentionally—to knock out a goal, build savings, invest, take the trip or get ahead—rather than needing it just to maintain your life.

That's what financial resiliency can change.

**If you recognized yourself in this post, don't just scroll past it.**

Grab my FREE **Break the OT Trap** guide and start figuring out how to make overtime a tool again.

👉 **Comment “OT” and I'll send it to you.**

September 11, 2001.A day that changed our country—and forever changed the first responder community.Today we remember th...
09/11/2026

September 11, 2001.

A day that changed our country—and forever changed the first responder community.

Today we remember the lives that were lost, the families whose lives changed forever, and the firefighters, law enforcement officers, EMS professionals and countless others who ran toward people who needed them.

We also remember those whose service that day continued to cost them years later.

For those of us who wear a uniform, there is something especially powerful about remembering the people who answered the call that morning.

They showed up.

They served.

And their sacrifice deserves more than a passing thought once a year.

Today, we remember them.

**Never Forget.**

Love meeting business woman at our monthly ANE event in Modesto
09/10/2026

Love meeting business woman at our monthly ANE event in Modesto

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