Cents with Caroline button
Cents with Caroline button

About

OUR MISSION

Every day is built on choices. What you spend, what you save, what you let slide. Over time, those small decisions shape where you live, how you work, and the future you’re building. For most young adults, nobody ever showed them how to make those choices count.

Cents with Caroline was created to change that.

Financial coaching through our programs creates space rooted in clarity, encouragement, and practical habits; eliminating shame and creating openness around money.

For many clients, this is the first honest conversation they’ve ever had about money. We take it at their pace and make sure confidence builds with every step.

Why Money Management Matters:

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

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.