Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans
Oct 14, 2026 · 17 min · 7 segments
So Shana, a lot of people just never have seen-
Mm-hmm
... how much they're paying towards debt each month.
When they add up their car payments, their credit card payments, their student loans, IRS taxes, all of that, their, all of their firms and CLRNAs, don't forget those.
They actually have no idea how much of their total income is going towards debt.
Yeah, and I think that s- that's part of what fuels some of those decisions.
"Oh, I'll get this new credit card," or, "I'll just do this Affirm," or, "I'll do this whatever," because you haven't seen what it all looks like all together, so it feels maybe smaller or less urgent or less big than it actually is.
But when you finally see it, and we do it with our clients, and sometimes it's really bad, and sometimes it's not.
Most of the time it's not really bad.
But sometimes I'm like, "Please tell me we're done adding to this list." And I'm not trying to be mean.
I know.
I'm just, but I'm like, "I'm getting anxious for you.
I don't-"
We're getting hives.
[laughs]
I don't know how...
Obviously this is why you're here, because you need help, and I don't know how you've been doing it so far.
I had a lovely client.
They came in July of this year, and they really wanted to sign up for coaching.
And I, they did one month, and w- I looked at their numbers and I just said, "I'm gonna have to release you from our agreement because I don't feel good about this.
You honestly cannot afford coaching." It was thousands of dollars a month going on debt, and they didn't know.
Mm-hmm.
They had no idea what was going on.
But they probably had about 10 different pay laters, their student loans-
Mm
So Shana, a lot of people just never have seen-
Mm-hmm
... how much they're paying towards debt each month.
When they add up their car payments, their credit card payments, their student loans, IRS taxes, all of that, their, all of their firms and CLRNAs, don't forget those.
They actually have no idea how much of their total income is going towards debt.
Yeah, and I think that s- that's part of what fuels some of those decisions.
"Oh, I'll get this new credit card," or, "I'll just do this Affirm," or, "I'll do this whatever," because you haven't seen what it all looks like all together, so it feels maybe smaller or less urgent or less big than it actually is.
But when you finally see it, and we do it with our clients, and sometimes it's really bad, and sometimes it's not.
Most of the time it's not really bad.
But sometimes I'm like, "Please tell me we're done adding to this list." And I'm not trying to be mean.
I know.
I'm just, but I'm like, "I'm getting anxious for you.
I don't-"
We're getting hives.
[laughs]
I don't know how...
Obviously this is why you're here, because you need help, and I don't know how you've been doing it so far.
I had a lovely client.
They came in July of this year, and they really wanted to sign up for coaching.
And I, they did one month, and w- I looked at their numbers and I just said, "I'm gonna have to release you from our agreement because I don't feel good about this.
You honestly cannot afford coaching." It was thousands of dollars a month going on debt, and they didn't know.
Mm-hmm.
They had no idea what was going on.
But they probably had about 10 different pay laters, their student loans-
Mm
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