I am a financial strategist, ordained minister, and financial coach with over 30 years of experience in banking, finance, teaching, and financial counseling. I hold a B.S. in Business and an M.A. in Practical Theology, and my work is grounded in faith-based financial principles and practical money management strategies.

After overcoming personal debt early in life, I became passionate about helping individuals break free from debt, develop healthy money habits, and gain clarity and confidence in their finances.

Through coaching, accountability, and education, I support students in creating sustainable financial strategies that lead to long-term financial freedom.

Do you ever recall not having consistent cash flow? Are you allocating every dollar for the benefit of your household? There will continue to be a cash flow problem until you create, implement, and utilize a robust spending plan, plug the money leaks, and develop a sound strategy to funnel every dollar back into your household.

This course will provide you with the tools that you need to unlock and redirect your cashback into your financial portfolio.

Developing and implementing a spending plan is the best decision I have made on my financial journey. I control my financial destiny now. I used to spend frivolously and blindly, but now, I spend with a plan.

Kim Joyner, Virginia