Cents with Caroline button
Cents with Caroline button

PICK UP YOUR PENCIL

Healthy Money Habits Start Now.
Confidently Write Your Path.

Personalized 1:1 coaching and workshops to help you build real habits,
pay off debt, and build a financial future you can be proud of.
Let's Go
Success Stories

OUR MISSION

Coaching with us, is creating a partnership.
Money touches every part of life from impacting where you live, how you work, the choices you make, and the future you hope to build. For many young adults, it is also a source of stress, confusion, and pressure.

The program of Cents with Caroline was created to change that.

Financial coaching through our programming creates a space rooted in clarity, encouragement, and practical habits; eliminating shame and creating openness around money. For many clients, this is the first open conversation they are having about money so we take things slowly and ensure confidence is built along the way.

Why This Matters:

  • 80% of personal finance is behavior
  • 78% of Americans live paycheck to paycheck
  • 42.5 million Americans carry student loan debt
  • ABOUT YOU

You’re in a season of growth and transition. Big decisions, new responsibilities, and questions about how to build a future that feels stable and impactful.

When we step into financial coaching together, this is a partnership. You are investing into a period that is going to change habits that will grow with you through the rest of your life.

Let’s see if financial coaching is right for you:

  • You are ready for a debt-free life
  • You have an awareness of where you are and where you want to be
  • You have goals. Maybe not written down, but they are stirring in your mind
  • You are ready for an accountability partner to help you reach your goals
  • You are unsure where to begin when it comes to aligning your finances with your dreams and goals
  • You are ready to take action and accountability for your personal finances
  • HOW COACHING WORKS

A simple, supportive approach
to money

We connect.

We talk through where you are, what’s working, and what feels overwhelming.

We create a vision.

Together, we build a realistic roadmap tailored to your life not a one-size-fits-all budget.

We create change.

Through accountability and ongoing support, you gain confidence and consistency.

Meet Your Coach

Hi, I’m Caroline!

I am a fundraiser by day and financial coach by night.

It brings me great joy to help young adults feel confident in their money journey and overall life journey.

My approach to coaching is practical, supportive, and grounded in real life experiences. Money is a tool; a tool to help us to build a life that we feel empowered by. We are gifted this tool and it is up to us to steward these resources. Learning to manage our finances can feel empowering and fun. I am on a mission to bring these positive feelings to others.

I know firsthand how overwhelming financial decisions can feel in early adulthood and how encouragement and simple steps of clarity can make a difference.

After becoming debt free myself, I became a certified financial coach because I felt what it was like to struggle and continued to see how many people were trying to figure things out alone. Coaching gives me the opportunity to walk alongside those who are struggling and give them hope and visible change as they build habits that create freedom, clarity, and long-term confidence.

Let’s build habits to live like nobody else now so one day we can live and give like no one else! Say hello to financial literacy.

Coaching Plans

3-Month Coaching Package

Sharpening Your Pencil

Perfect if you’re just getting started and want clarity, structure, and momentum.

  • Personalized financial plan
  • Habit-building guidance
  • One-on-one coaching sessions
  • Ongoing support between sessions

6-Month Coaching Package

Putting Pencil to Paper

For those ready to implement lasting change and build real confidence.

  • Everything in the 3-month package
  • Deeper habit reinforcement
  • More accountability and support
  • Space to adjust as life changes

12-Month Coaching Package

Accountability Package

For long-term transformation and sustained financial growth.

  • Full-year coaching partnership
  • Continuous accountability
  • Evolving financial strategies
  • Confidence that lasts beyond coaching
Let’s Chat About the Right Plan
  • What Our Clients Say

Testimonials

Guiding Young Adults Toward
Financial Confidence

“Well done, my good and faithful servant. You have been faithful in handling
this small amount, so now I will give you many more responsibilities. Let’s
celebrate together!”
— Matthew
— MatthewFormer Coaching Client

LET'S CONNECT

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