1:1 Money Coaching For First Gen WOC
A 4 month money coaching program that helps you grow your savings now and be set up for every life milestone - from today through retirement
As a first-gen WOC, you’re the first in your family to have a corporate salary.
You’re making the most money of anyone in your family…and while this is exciting, it also comes with a lot of pressure.
Because you’re first, you don’t have anyone to show you how to manage your money or what to do to build wealth.
You’re thankful to be in the spot you’re in, but you’re also worried if you’re not making the most of your salary or making the smartest money moves with your money.
You want to learn how to build wealth, but you’re stuck on “how.”
But first, does this sound like you?
You’re making good money but you don’t have anything to show for it.
Despite working 50 hour weeks in corporate it feels like your money isn’t growing over time. It feels like something always gets in the way. And before you know it, you’re waiting on your next paycheck. You just wish that you were as good managing your money as you are bringing it in.
You have so many goals. And don’t know what to prioritize
You want to be a homeowner, but you have $60k of student loans, don’t that much in savings, and you’re also helping to support your family. You’re being pulled in many directions and you don’t know what to focus on first.
You’re not sure if you’re going to be able to retire comfortably.
You’re contributing to a 401k (or maybe haven’t started)…and you’re unsure if you’re on track. You don’t know how to even figure that out. You want to let go of the uncertainty and figure out what to do to be able to stop working whenever you’re ready.
You’ve gotten an inheritance or a large sum of money.
It’s exciting but it’s also scary. You want to make sure you use it in a smart way. But you don’t know how…so it just sits in a savings account. Every so often you pull from it and you feel a gut punch every time you see that number has gotten smaller and smaller. You’re terrified of wasting a good opportunity.
You’re money’s just sitting in your savings account…collecting dust.
It’s been so deeply ingrained in you by your parents to “save, save, save” but now you don’t know how to make your money grow. You know that putting your money to work will create more financial security for your life but you don’t know what places to send your money so that it grows.
You’ve tried to budget and maybe even have a spreadsheet.
But it’s not working. You don’t want to feel restricted or deprived. That season of your life is over. But you also want to build financial security and set yourself up. You want to find the balance of enjoying your spending today AND hitting your money goals…without feeling restricted. You’re ready for a new strategy.
You learned how to survive with money, but if you never learn how to use it strategically & put it to work, you’ll work hard forever without ever really feeling secure.
Your money is now working for you. You’ve stopped just stock piling money in your savings and instead, your are putting money to work for your future: you have money for when you want to start a family, take a break from work, pivot into a career you actually enjoy or to know that you’ll be able to retire comfortably.
You’re able to take $3,000 from your investments to help your parents and a few months later, you see your account bounce back, even though you didn’t add anything new.
Your future excites you. You see yourself taking extended vacations, being able to support your aging parents and living & enjoying life at a slower pace. All made possible by the financial progress and habits you've built.
Now Imagine…
You spend with ease, never feeling bad because you also know you’re saving every single month and your debt balances are going down. You’ve figured out how to spend in a way that feels good while also allowing you to build for the future.
You go on vacation and actually enjoy it because you know you have the cash to pay for it. No more worrying about the debt you’re coming back to. You know that you' can pay off your travel expenses with 1 click because you saved the money.
Every time you log into see your debt balances, they’re smaller. You’re finally making a dent on your debt and can feel that you’ll soon be debtfree. But you did it in a way that didn’t require “rice and bean.” In fact, you paid off debt while building wealth and still enjoying your life.
Introducing
1:1 Money Coaching
A 4 month money program for first gen WOC who wants to have the money available for every life milestone you want to achieve and be set up for retirement.
What You Get Inside 1:1 Money Coaching
Know Your Numbers Kickoff Call
We’ll do a Kick Off Call to get clear on your priorities, what matters to you, and where your money actually needs to go.
By the end of your first call, you’ll walk away knowing exactly what to focus on first, what can wait, and the clear next steps of exactly what to do with your money to create the most impact.
Between-Call Support
You’ll have support between sessions so you never have to figure things out alone. If a question comes up, you need help making a decision, or life happens and we need to adjust the plan, you can reach out and get guidance. You won’t get stuck or losing momentum between calls, you’ll have support every step of the way.
12 Money Strategy Sessions
Weekly calls where we work side-by-side to get your finances organized, build a savings rhythm you can stick to, and create a debt payoff plan that feels doable. Then, you’ll start investing so your money begins working for you.
These calls are where habits are built, not through willpower, but through support, structure, and follow-through.
Investing Account Setup
We’ll open your investment accounts together, step-by-step, live on Zoom so you never have to wonder if you’re choosing the right account, the right platform, or the right settings.
Whether it’s a Roth IRA, 401(k), 403(b), brokerage account, HSA, or custodial account…you’ll be guided through every screen, every dropdown, every decision.
You’ll have the right accounts open, funded, and aligned with your goals.
Money & Investing Course
You’ll get access to my self-paced course that breaks down the basics of money management and investing, in clear, visual lessons you can finish in a weekend.
You’ll finally understand how to manage your personal finances, how the stock market works, and how to make your money grow with confidence. It’s the perfect resource to revisit anytime you need a refresher.
Investment Selection Guide
’ll show you how to choose the right mix of index funds (not just the S&P 500) so your investments are diversified, low-fee, and built for mind-term & long-term growth.
You’ll learn how to choose investments that match your comfort with risk and your goals, without needing to constantly maintain or monitor your accounts.
What we cover and what you walk away with when you join 1:1 money coaching
First Gen Money & Wealth System
Stabilize And Organize Your Money
The $5K-at-a-Time Savings Plan
I’ll show you how to save consistently each month without restricting your life. Together, we’ll create a savings plan that fits your income, lifestyle, and real-world responsibilities. You’ll know exactly how much to save, how to adjust when unexpected expenses come up, and how to keep moving forward — even when life is full. This approach helps you build savings in meaningful milestones ($5K at a time), so you can see progress, stay motivated, and actually feel in control.
Automated Paycheck Split
Once we know how much to save and which debts (if any) to prioritize, we’ll set up your paycheck to automatically split every time your direct deposit comes in. Your bills, spending money, savings, debt payments, investing, and even family support or travel funds all get sent to the right places without you having to think about it. You’ll have the confidence knowing that your future is being taken care of on auto pilot.
Highest-Return Debt Payoff Strategy
You’ll leave with a debt payoff plan that reduces your balances without putting your wealth building on hold. We’ll look at your debt, interest rates, and goals to decide which debts to tackle first, how fast to pay them down, and how to keep investing at the same time. This plan ensures your dollars are working in the most impactful way - balancing debt reduction and growth, so you’re not just chasing debt freedom, you’re actually building wealth.
Intentional Spending Framework
Now, to put it all together, you’ll learn how to spend in a way that supports your life now and your financial goals without guilt, shame, or restriction. I’ll help you learn how to spend in ways actually matters to you, where your money actually feels good to spend, and you’re no longer swinging between “I deserve this” and “I shouldn’t have bought that.”
Build An Investing Portfolio And Put Your Money To Work
On-Track Retirement Plan
We’ll use your real numbers to calculate exactly how much you need to invest for retirement based on your current salary, lifestyle goals, and financial responsibilities.
I’ll show you how to project the growth of your investments so you can see your future and know you’re on track. You’ll walk away knowing the exact contribution amount that supports your future and how to adjust it when life or income changes.
Make Your Money Work NOW Plan
This is your personalized investing plan for every major life milestone you want to prepare for, like buying a home, taking a sabbatical, supporting parents in their retirement, or funding a future move, wedding, new baby season.
Together, we’ll map out exactly how to use a brokerage account to grow money for these goals, how much to invest, and how to choose investments that match your timeline and risk tolerance as the family breadwinner.
Secure Their Future Plan
We’ll set up investing accounts to secure the future or your child (or future child). Whether it’s for college, their first apartment, or even a head start on retirement, you’ll learn exactly how to contribute, what to invest in, and how to manage their accounts long-term.
This is how you break the cycle and give your child a starting point you didn’t have without sacrificing your own goals.
The Investment
$4,000 paid in full
$1,050/month for 4 months
$700/month for 6 months
1:1 Client Testimonials
Brenda created $600k for her future self
Brenda had over $50k sitting in savings and CDs. Her 401k was at $8k and her Roth IRA wasn’t being used. She had a lot of money…but it was just sitting there, not doing anything for her.
"I had spent the last 20 years saving money, but it wasn’t working for me. I didn’t want to spend the next 20 years saving but still not knowing how to invest/grow my money."
Inside 1:1 money coaching, Brenda grew her investing portfolio to $24,707.44 (up from $8k) across her 401(k), Roth IRA, and a brokerage account .With the changes & updates we made to her investing plan, she’s on track to add $695,291.63 to her retirement balance.
Maribel built a $100k legacy for her daughter
Maribel was earning more than she ever had but still felt like her money wasn’t going anywhere. She didn’t have an emergency fund, or had never invested before. But wanted to set up her daughter for success.
Inside 1:1 money coaching, she saved 2 months of expenses, optimized and automated her retirement contributions and is now on track to retire with $2,000,000.
She opened a custodial account for her daughter which will grow to over $120,000 by the time her daughter turns 18. She will now pass on a $120k legacy to her daughter without sacrificing her own retirement.
Brianna built a $250K portfolio to support her parents in retirement
Brianna knew she wanted to help support her parents in retirement, but didn’t know where to start or how to actually make it happen.
Inside 1:1 money coaching, we built an investing plan that would grow to a $250K portfolio specifically for supporting her parents without sacrificing her own goals.
She’s now on track to retire comfortably and has started a Hybrid Saving & Investing Plan for a future down payment. She’s supporting her family and building her own wealth, at the same time.
Viviana went from no retirement strategy to building a $2.1M plan
Viviana was 32 and hadn't really started investing for retirement. Her jobs had never offered a 401(k), and while she had opened a Roth IRA, the money was just sitting there uninvested.
Inside 1:1 money coaching, we built her first ever retirement plan. She rolled over old accounts, set up her Roth IRA and HSA, and started investing consistently even while paying off debt and saving for a future home. She’s now on track to retire at 59 with over $2.1 million.
Andres started building a $60,000 fund to buy his first home
Andres knew he wanted to buy a house but didn’t know the smartest way to save for it. He knew he didn’t want to buy a house right away so he wanted to make his money work as he waits for a good time to buy.
Inside 1:1 money coaching, we built a plan that lets him save and invest toward a $60,000 down payment so his money isn’t just sitting, it’s growing. His investing strategy is designed to help him reach his goal faster without putting his future home at risk.
Ingrid turn “old 401ks” into $190k more for retirement
Ingrid had over $50,000 sitting in an old 401(k) completely uninvested. It had been in cash for years, not working for her.
Inside 1:1 money coaching, we rolled the $50k in her old 401k and she actually invested that money. Now, that $50k is projected to grow to over $190,000 to add to her retirement, just from putting her money to
Mercedes went from $0 invested to building a $1.3M retirement plan
Mercedes didn’t have anything set up for retirement. She had savings, but wasn’t sure how to use it wisely, and the idea of “catching up” felt overwhelming.
Inside 1:1 money coaching, we opened up the right investing accounts for her (an independent contractor) Traditional IRA and Solo 401(k), and set up an investing schedule that aligned with her goals and income. Now she’s on track to retire with over $1.3 million even though she started in her mid 30s.
Veronica is investing to have a $2.6M retirement, a $112k down payment, and $600k+ to support her parents in retirement
Veronica didn’t want to pick between her own future, buying a home, or helping her parents retire, so inside 1:1 coaching, we built a plan to do all three. She’s now on track to retire with $2.6 million, she has a Hybrid Saving & Investing Plan towards a $112k down payment, and is building a $600k+ fund to support her parents in retirement. She’s now using investing to make progress on all her goals without always having to work harder or “save more.”
