Crush your debt, build credit, and invest for a six figure retirement without needing a six figure salary.
Take control of your financial future with 6 Month, 1:1 private coaching designed for first-gen, queer, neurodivergent employees and/or business owners who are ready to exploit capitalism instead of the other way around.
Who This Is For
6 Month Money coaching is for LGBTQ+, BIPOC, first-gen professionals and/or business owners ready to stop avoiding their money and make moves to lock in financial stability now and in retirement.
This coaching is for you if:
- You don’t understand WTF you’re investing in when you login to your retirement account(s)
- You make decent money but still live paycheck to paycheck in your mind
- Your debt keeps building because of overwhelm and you want a plan
- You’re debt free and still don’t feel like your money is working for you
- You want to make passive income from all the money you’re spending anyway
- You don’t want to wait for a raise, a partner, or a miracle to feel financially safe
Client Results
Paid off $33K in credit card debt in less than 6 months without getting a raise
Recovered $141K+ in dormant retirement accounts and learned how to pick the right funds so the accounts compound themselves into millions without day trading
Doubled investment portfolio from $44k to $88k without making 6 figures and traveling to Costa Rica
Boosted credit scores by 100+ points in less than 6 months and unlocking lower interest rates, free airport lounge access, and passive income from daily spending
Maxed out their retirement accounts so they can confidently retire early, be work optional, and work no longer than they want to
After working with Charly, Michelle shifted from fear-based saving to strategic investing. She opened her Roth IRA, increased her investing confidence, and began growing her money intentionally—without sacrificing flexibility. She sees herself as an investor now, not just a saver.
You can learn all about Michelle’s transformations in this podcast episode.
"Now, I understand how to look at a stock market graph. That feels important: to just know what annual, decades-long trends are, and to therefore not be worried in the short term if there’s a 3-month period of a manufactured crash in the stock market. I feel more prepared for the future. Before Charly and I worked together, I was just keeping things in a savings account.And even though Ally was decent—the 3.6% or whatever—it obviously wouldn’t have been enough for me to keep depending on that to one day retire!Just knowing I will be set for the future because I’m putting in this work now—and every dollar counts. Even if it was just the initial $3K in my Roth IRA, even that felt like a win. Every thousand dollars feels like a win. Nothing’s too small to celebrate, especially when I can see how everything grows over time. I feel more prepared—not just prepared, but more at ease. Like, wow. I’m doing this. I am going to be taken care of by myself. If no one else takes care of me, I know I will be very well taken care of. That’s a really cool feeling.”
What’s Included in 6-Month Coaching
6 Month Money coaching is for LGBTQ+, BIPOC, first-gen professionals and/or business owners ready to stop
avoiding their money and make moves to lock in financial stability now and in retirement.
How to Leverage Debt Like a CEO
Go from shameful to confident with spending with my ROI framework, where every expense gets categorized as Regretful, Orgasmic, or Intentional.
How To Make Passive Income from Credit Cards while boosting your score
Investing like a Roth FREAK who doesn’t need a financial advisor thanks to my Cash, Roth, then the Rest investing framework
Making cash earn more interest with my High Yield Hottie Method, an easy framework to help you dump big banks and crappy interest rates so that you earn tens of thousands more in interest for your cash long term
FAQs about LGBTQ+ BIPOC Financial Coaching
This is for LGBTQ+, BIPOC, first-gen professionals, and business owners who want to crush debt, boost their credit score, and build retirement wealth—without needing a six-figure salary. This coaching is for you if you know you can’t do it alone and are tired of feeling behind and avoidant with your money.
Yes. My clients are primarily LGBTQ+, BIPOC, and first-gens, but I do work with white clients who are aligned with my mission of redistributing wealth to marginalized communities. For example, my client Lulu invested their six-figure inheritance after months of avoiding it and having it lose value to inflation. Then they quit their job and took a sabbatical to travel while also donating thousands of dollars to trans and indigenous rights causes.
Because it takes time to heal your relationship with money, build confidence, and make moves that compound on top of each other. My coaching is like money therapy. We unpack and reprogram your inherited money scarcity as well as get down to the bottom of your money blocks and if you actually WANT to buy a home or if it’s something you feel like you should do because that’s whatt your parents told you. One client didn’t track down her old 401(k) until month four—when she found $141,000 sitting in it. Six months gives you the space to shift your mindset, see your full financial picture, and start investing with strategy.
I don’t coach couples directly,as coaching is one on one. One person’s inner child, family baggage, and avoidance patterns are more than enough to unpack on a call. I don’t specialize in couple’s therapy. We dig deep into your personal money stories, nervous system patterns, and the habits that have kept you stuck. My clients naturally bring these tools back to their relationships. Once you have clarity and confidence with your own money, you’ll start leading those healing conversations with your partner. Your partner might not be on the Zoom call, but they’ll still absorb the growth you make in your shared decisions, your future plans, and the financial peace that finally feels possible.
Anyone 18+. My youngest client, Nora, was 25 when we first started coaching, and a few years later, she bought her first home, with her own garden she can relax in, before she turned 30! I also coach clients in their 30s-60s. I helped my client Bindu navigate finances post divorce in he3r 40s and go from scared to invest to being excited to have 2 investing apps on her home screen!
No. My clients come from various income levels, from $50k full time business owners to lawyers making $300k. The focus is on how you give every dollar a purpose and how to help you find JOY in wealth building—not how much you make.
I’m happy to renew coaching. I have a client who has gotten so much value from helping her pay off her 5 figure credit card debt, to confidently investing, to growing her business, that she has been working with me for over 2 years. Whether you want to stay for accountability or deeper strategy, I gotchu.
Absolutely not. If you wait, you’ll waste years paying interest while losing time in the stock market where your money could grow itself in your sleep! Together, we’ll create a debt payoff plan while you also invest and build savings. My clients stop feeling the dead weight of debt on their shoulders once we tackle it together. I’m open about how I manage debt as a business owner.
That’s literally my job. I’m a fancy white men finance word translator who breaks investing down so you understand it enough to explain it to your friends and family. I’ll guide you step-by-step on where to start, which accounts to open, what to invest in, and how to feel confident even if you’ve never logged into an investtment platform before. You’ll leave knowing exactly how your money is growing—and how to keep it growing—without needing to day trade.
Yes. We’ll optimize your credit card usage, paydown strategy, and even how you request credit limit increases—all designed to boost your credit score by 100+ points within 6 months. Clients have qualified for better rates on mortgages and intro APRs after working with me.
I get it. A lot of my clients come to me after years of avoidance, ashamed of their debt, afraid to even look at old accounts, or convinced they’re “bad” with money. This is because they’ve never had anyone to have proactive, neutral, intentional conversations with about money. With me, you’ll finally face your money without judgment, just clear, actionable steps. You’ll go from avoiding your accounts to feeling powerful AF when you check them. After just a few sessions with me, you’ll even start bringing up money conversations with loved ones that they’ll be thankful you started!
We meet every 2 weeks for one hour coaching calls. That’s the length of one TV show. You’ll have daily messaging support in between and access to my money curriculum to learn at your own pace. Clients love that we take action live on calls, like opening accounts or buying and selling stock, so even if you’re busy, you still make moves. Iif you want to go deeper, I’ve got podcast episodes and classes for your commutes or workouts. After each session, you’ll have easy to-dos you can keep up with and someone to hold you accountable to doing them instead of telling yourself for years that you “should get your money together” but not doing anything about it.
The investment is $6,000 paid in full or 2 payments of $3,100, and you can pay via all those methods. I recommend credit card since you get the points, which I will help you redeem in a way that’s the best for you, and I’ll help you pay off your investment. Several of my clients make back the $6k investment before the 6 months are even up!