September 2025
The words that flow through their minds are often “budget,” “overwhelm,” or “restriction.” At Modearn, we have found that the real magic happens when our clients are open to discovering something far more powerful: freedom. Honestly, that kind of freedom often begins with something simple—having someone to call (or let’s be honest, someone to text).
The Power of a Financial Coach
A lot of our clients come to us feeling overwhelmed, behind, or even ashamed that they haven’t “figured out” their finances yet. They’re in their late 20s, 30s, and 40s, juggling careers, families, and their personal lives. The pressure is real—student loans, rent or mortgage payments, rising costs of living. They have dreams for the future, but that future can feel far away when their present is already so full. It’s no wonder financial planning often gets pushed to the bottom of the list.That’s where a financial coach comes in—not to judge, but to guide. Not to restrict, but to empower. To help create a clear path forward.There is research from the Consumer Financial Protection Bureau that found financial coaching helped over 23,000 people gain clarity, confidence, and control over their financial lives. These weren’t just one-time conversations. They were ongoing relationships built on trust, accountability, and action.
Accountability: The Missing Link
One of the most common things we hear from our clients is:“It’s so nice to have someone to call.”“I wouldn’t have gotten on track without your guidance and support.”That’s not just a nice sentiment—it’s a proven strategy. According to the Institute of Coaching, over 70% of people who receive coaching report improved performance, relationships, and communication. And 80% say it boosts their self-confidence. Why? Because coaching creates a space for accountability. It turns vague intentions into clear commitments.The Association for Financial Counseling & Planning Education calls this the “power of accountability”—a force that helps people follow through on their goals simply because someone is walking alongside them.
From Budgeting to Spending Strategies
We don’t believe in rigid budgets that make people feel trapped. Instead, we focus on spending strategies—intentional choices that align with your values and goals that evolve with you and your life. When you work with a financial coach, you’re not being told what you can’t do. You’re discovering what’s truly possible. We work with you and meet you where you are.We’ve seen clients go from feeling stuck to feeling in control. From avoiding their bank statements to celebrating their progress. It all started with a conversation.
Why It Matters Now
If you’re in your 30s or 40s, you might feel like you’re supposed to have it all figured out by now. The truth is that most people don’t. And that’s okay. What matters is that you start. You don’t have to do it alone.A financial coach isn’t just someone who helps you crunch numbers. They’re your thinking partner, your motivator, your sounding board. They help to zoom out and see the big picture—and then walk beside you while you take the small, doable steps to get there.When you have someone in your corner, financial planning stops being a burden. It becomes a source of confidence, clarity, and yes—freedom.
Disclosure: Information presented herein is for discussion and illustrative purposes only. The views and opinions expressed are not intended as a recommendation to buy or sell any securities, and should not be relied on as financial, tax or legal advice. You should consult with your attorney, finance professional or accountant before implementing any transactions and/or strategies concerning your finances.
