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 lasting habits,
pay off debt, and create a financial future you can be proud of.
Let's Go
Success Stories

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
  • ABOUT YOU

When we step into financial coaching together, this is a partnership.

You are investing into 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 goals. Maybe not written down, but they are stirring in your mind
  • You know where you want to go, but don't know how to start
  • You are ready to take action, not just think about it
  • You are ready for an accountability partner
  • HOW COACHING WORKS

A simple, supportive approach
to money

We connect.

We talk through where you are, what’s been working, and what needs to change.

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

College Cohort

Duration: To Be Announced

For students who want clarity, structure, and momentum.

  • Affordable group learning.
  • Designed for college students.
  • Focused on debt elimination, income generation and goal exploration.
  • Intended to help you pay down your student loans faster, learn how to negotiate your salary, build a life you love and learn alongside fellow learners.
  • Register with your questions and have a say in the topics discussed.

Putting Pencil to Paper

Duration: 3, 6, or 12 Months

For those ambitious and ready for lasting change and real confidence.

  • Build the life you are excited about with a coach who will dream with you.
  • Designed with the ambitious young professional in mind.
  • Focus on debt elimination, income generation and goal exploration.
  • 1:1 coaching sessions to address your needs.
  • Receive a personalized coaching plan that will evolve with you.

Living the Dream

Duration: 3 Months or 6 Months

For those past debt, ready to build long-term generational wealth and give back.

  • Dive deeper into your own daily habits, goals and hopes.
  • This package is built for those who have paid off their debt. Now what?
  • Align with the areas of the world you enjoy impacting.
  • Create lasting behavior change. Uncover giving methods for the future that we can build toward now.
  • Ability to connect with a financial advisor following coaching sessions.
Let’s Find 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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