At Money with Moni, coaching isn’t outsourced or automated. You’ll work directly with Monica Eaton, AFC®, founder and financial educator, to build a money system that fits your life—not someone else’s.
Whether you're overwhelmed by budgeting, tired of going it alone, or just ready to feel more confident with money, this is a safe and supportive space to start.
Tell me a little about your financial goals & I’ll follow up with next steps.
Financial coaching with Money with Moni is for people who know they have the power to make changes — and are ready to take ownership of their financial future.
If you have an internal drive to improve your finances and are looking for a supportive partner to help you stay focused, navigate challenges, and celebrate wins along the way, this coaching may be for you.
An overview of the typical coaching process
Coaching is a collaborative process, and while every client’s journey is unique, most follow a similar path from our first conversation to creating a personalized plan. Here’s what the process typically looks like:
You discover me and let me know you're interested in coaching by filling out the form below. I'll review your form and be in touch within two business days to set up a time for us to meet.
We’ll chat about your goals, explore what you’re hoping to change or achieve, and I’ll share how coaching works. This is a chance to see if we’re a good fit — no pressure.
If you decide to move forward, I’ll send you a link with all the program details and your coaching agreement so we can officially get started.
During your onboarding call, we’ll get to know each other better, talk about how we’ll work together, walk through tools and resources, and make sure you are comfortable with the process.
Your Discovery Session is where we take a closer look at your values, habits, and finances so we can create a plan that truly reflects what matters most to you.
After our session, I’ll send you your financial report, roadmap, and recommendations. Then we’ll meet to talk about your next steps — whether you want to run with the plan on your own or continue working together through monthly coaching calls and ongoing accountability.
✔️ One-on-One Coaching, Just for You
You’ll work directly with me, Monica Eaton, AFC® — an experienced financial counselor with a background in banking and finance. No bots. No scripts. Just real conversations that meet you where you are.
✔️ Shame-Free, Strategy-First
No lectures. No guilt trips. We focus on clear, doable next steps rooted in behavioral science and tailored to your unique money story — so you can take action with confidence.
✔️ Made for Real Life
Your plan will flex with your schedule, your pace, and your priorities. We’ll build progress you can actually sustain — and make space for joy along the way.
Every coaching journey is unique. Here are some areas we could explore together:
Building a budget you can actually stick to — flexible enough for real life, but solid enough to keep you on track.
Managing inconsistent income with confidence so you can plan ahead without the stress.
Paying down debt and setting savings goals that feel achievable (and even exciting).
Boosting your credit score and opening the door to more financial opportunities.
Navigating impulse spending and emotional triggers so you can make choices you feel good about.
Planning for your next big chapter — whether it’s a move, career change, or buying a home.
Creating money systems that work with your brain if you have ADHD or executive function challenges.
Aligning your spending with your values so every dollar moves you toward the life you want.