Real advice.
No agenda.
Go live your life.

When your finances make sense, everything else gets easier. Honest coaching for people with better things to do.

→ GET IN TOUCH

[ THE APPROACH ]

Most financial advice comes with something attached. A product, a plan, a pitch. What people actually want is simpler. Someone to sit down with them, look at their real situation, and just be straight about it. That's what this is.

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[ WHY COMPOUND ]

Small adjustments.
Big returns.

Compound isn't just about interest rates. It's about what happens when you get one thing right and it creates space for the next. Pay off debt and you stop losing sleep. Stop losing sleep and you show up better for your family. Show up better for your family and you have more to give to the people and things that actually matter.

Athletes know this too. A small adjustment in bike position, a tweak to your training load, dialing in your recovery. None of it feels dramatic in the moment. But it stacks. The same thing happens when you finally get your finances under control. The wins are small at first. Then they're not.

That's the compound effect, and it starts with getting clarity on your money.

[ SERVICES ]

Three ways to work together, all starting with a free 15-minute call.

01 —

Financial Coaching

Practical conversations about money: cash flow, debt, savings, decisions. No products, no commissions. Just honest advice you can actually use.

  • Cash flow and budgeting
  • Debt paydown planning
  • Savings and goal setting
→ GET STARTED
02 —

You Need a Budget (YNAB)

Get set up in YNAB the right way and build the habits that make it stick. Good for first-timers and people who couldn't get traction.

  • Category and target build-out
  • Account linking and setup
  • Ongoing accountability available
  • YNAB Certified — trained by the YNAB team
→ GET STARTED
03 —

Credit Card & Points

Build a card strategy around how you actually spend. Includes my personal credit card ROI tracker.

  • Card stack review and strategy
  • Points and redemption planning
  • Includes credit card ROI tracker
→ GET STARTED

Flexible by design. Not sure how deep you need to go yet? Start with a shorter session and see how it feels. No pressure to commit to more.

$75 / 30-min sessionor$150 / hrFREE 15-MIN INTRO CALL TO START

[ FOR EMPLOYERS & ORGANIZATIONS ]

Offer financial coaching as an employee benefit.

Financial stress is one of the biggest drains on employee focus and wellbeing, and most people don't have anyone to turn to for practical, unbiased help. Bringing in a financial coach is one of the highest-leverage benefits you can offer, and it doesn't require a big program to get started.

Whether you're a small business, a nonprofit, or an organization looking to support your team, group arrangements and flexible pricing are available. Get in touch and we'll figure out what makes sense.

What this can look like

  • → One-on-one sessions offered as a staff benefit
  • → Group workshops or lunch-and-learns
  • → Sponsored coaching packages for employees
  • → Nonprofit and mission-driven org partnerships

Flexible pricing. Get in touch to talk through options.

[ WHAT CLIENTS & PARTNERS SAY ]

"Working with Steven brought knowledge and support to our finances. We felt like we had someone in our corner, walking us through our next step. He was easy to talk with, and brought our financial conversations to the next level."

— Coaching Clients

CLIENT COUPLE

"Steven did a phenomenal job with our team. He was honest but kind — many hadn't even started budgeting before, and he patiently helped them understand their financial reality and get going. Terrific ROI."

— Employer Partner

TEAM BENEFITS SPONSOR

"Steven sat with more than 50 of our employees, helping them build plans to get out of debt and start saving. The impact on their lives has been nothing short of transformational. A true game changer."

— Nonprofit Director

EMPLOYEE ASSISTANCE PROGRAM PARTNER

"Easy to coordinate with, communicated clearly, and followed through reliably. He met employees where they were, offering practical, individualized coaching without being tied to any product or sales agenda."

— HR Director

EMPLOYER PARTNER

Steven Reed, YNAB Certified Financial Coach

Steven Reed

YNAB Certified Financial Coach

"There's no shortage of financial content out there. What's harder to find is someone who will just sit down with you and be straight."

After working as a licensed financial professional, I walked away. Not because the work wasn't interesting, but because the model wasn't built around the client. Too much prospecting, selling, steering people toward things they didn't ask for.

What I kept hearing was simpler. People didn't want someone to manage their money. They wanted a real conversation: someone to look at their actual situation, give an honest take, and let them decide.

TikTok, Reddit, AI: more financial information is available than ever. But information isn't the same as a conversation. This is different. Not here to manage your assets or sell you a plan. Here to help you think.

I lean into the Colorado stereotype pretty hard: snowboarding, mountain biking, road biking, trail running, chasing my kids around. For me, money has always been about one thing: living the life I want without the stress of not knowing where I stand.

As a YNAB Certified Coach, I've completed formal training with the YNAB team and have ongoing access to their coaching resources and community. Not employed by YNAB, but not out here winging it either.

→ VIEW MY OFFICIAL YNAB COACH PROFILE

YNAB Certified Colorado-based Remote-friendly

[ GET IN TOUCH ]

Let's figure out if this is a good fit.

Fill out a quick form and I'll follow up within 24 hours. If it makes sense to connect, I'll send over a link to book a free 15-minute intro call.

  • 01 — Fill out the form below
  • 02 — I'll review and reach out within 24 hrs
  • 03 — Book your free 15-min intro call
  • 04 — We'll take it from there

I'll respond personally within 24 hours.

Ready to talk through it?

Fill out the form above and let's figure out if it makes sense to work together.