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“I can’t remember the last time we fought about money.”

 

What if you could buy what you want guilt-free?

 

What if you made decisions in minutes rather than talking in circles for days?

 

What if making a financial mistake didn’t turn into a big deal?

“I can’t remember the last time we fought about money.”

 

What if you could buy what you want guilt-free?

 

What if you made decisions in minutes rather than talking in circles for days?

 

What if making a financial mistake didn’t turn into a big deal?


Hi! I’m Dan Hinz

The gentle soul and financial coach of Adulting With Money

Hi! I’m Dan Hinz

The gentle soul and financial coach of Adulting With Money


Newlyweds in Trouble


Within months of being married, my wife–Allison–walked into our apartment with her arms loaded with bags from Target.

I looked up from the couch and thought, “What the f*** did she buy this time?”

Immediately, an invisible hand slapped the back of my head.

And the second thought I had was, “Oh, wow. I need to never think that again.”

I put on a smile and called out, “Welcome, home!” but my actual thoughts were elsewhere:

    • How was our marriage going to last decades with thoughts like that?
    • Would I ever trust my wife with money?
    • Is our marriage going to end up as another divorce statistic?

We needed to change how we handled money together so that something like this never happened again.

Newlyweds in Trouble


Within months of being married, my wife–Allison–walked into our apartment with her arms loaded with bags from Target.

I looked up from the couch and thought, “What the f*** did she buy this time?”

Immediately, an invisible hand slapped the back of my head.

And the second thought I had was, “Oh, wow. I need to never think that again.”

I put on a smile and called out, “Welcome, home!” but my actual thoughts were elsewhere:

    • How was our marriage going to last decades with thoughts like that?
    • Would I ever trust my wife with money?
    • Is our marriage going to end up as another divorce statistic?

We needed to change how we handled money together so that something like this never happened again.

My First Mistake

Turns out, a lot of things needed to change, and I committed the biggest sin when it comes to couples and money…

…I started us on a budget.

Yup! Without talking about it or asking my wife, I just put together a budget and said, “Here! We’re gonna start following this!”

Allison–on the other hand–was not excited about this new adventure. In her mind, following a budget meant saying no to having fun, cutting back, and being ridiculously frugal.

After walking through one of our early budgets, she asked, “So, if we run out of toothpaste and there’s no money left in the ‘toiletries’ budget, does that mean we have to wait until next month to buy toothpaste?”

It was a good question, and–at the time–I didn’t have an answer. I felt terrible. I felt like I had already failed my wife before we even started.

It wasn’t until years later that we experienced the power of managing money together.

My First Mistake

Turns out, a lot of things needed to change, and I committed the biggest sin when it comes to couples and money…

…I started us on a budget.

Yup! Without talking about it or asking my wife, I just put together a budget and said, “Here! We’re gonna start following this!”

Allison–on the other hand–was not excited about this new adventure. In her mind, following a budget meant saying no to having fun, cutting back, and being ridiculously frugal.

After walking through one of our early budgets, she asked, “So, if we run out of toothpaste and there’s no money left in the ‘toiletries’ budget, does that mean we have to wait until next month to buy toothpaste?”

It was a good question, and–at the time–I didn’t have an answer. I felt terrible. I felt like I had already failed my wife before we even started.

It wasn’t until years later that we experienced the power of managing money together.

The Car Wreck that Changed Everything


Allison’s first car was a 2005 Chevy Cobalt. A little four-door thing that was a perfect car for high school and college.

But as she was driving home one day, she got into a bad accident.

Someone in traffic hit their brakes too hard and it caused a chain reaction of vehicles trying to stop long before they were supposed to.

Allison hit the car in front of her, and she was hit from behind.

Fortunately, no one was injured. Everyone walked away, albeit shaken up.

Her very first car was totaled. All the memories were wiped away in seconds.

      • The karaoke sessions from high school.
      • Late night food runs in college.
      • Moving cross-country with her goldfish in the passenger seat.

Then reality set in. We were down to only one vehicle between the two of us.

It became obvious how hard losing a vehicle is for a lot of families.

      • Not having any sort of bus system to help out.
      • Carefully asking friends and coworkers for carpool favors.
      • Trying to get two people to work in opposite sides of town.
      • Getting kids to school, the doctor, and after-school activities.
      • Coordinating grocery runs.
      • Feeling guilty about going to the gym or meeting up with friends.

How do you go from everything being fine in the morning to needing thousands of dollars by the time the sun goes down?

For most families, this would be a huge ordeal, but we were fortunate. We were prepared.

By the time of the accident, we had already been talking about money every month, tracking every dollar, and planning ahead for a few years. At some point, we decided to start saving up cash for a new car.

Allison had fallen in love with the white, Chevy Equinox, so that was what we were saving for.

Every month, we were stashing away $50 here, $100 there.

With the cash we had saved and the money from the insurance company, half the car was already paid for, and we got a car loan for the other half.

Allison got her dream car! And since we weren’t saving up for a car, the money we were stashing away was used to pay off the car loan. 

And with a little bit more movement in the budget, we paid off that loan in 6 months!

That was when it all clicked. That’s when my wife fell in love with us managing money together.

      • We didn’t argue for weeks over what to buy because we already decided what car we wanted.
      • We didn’t have to take out huge loans because we were already saving little bits of money for months.
      • We paid off the debt as fast as possible because we were already used to moving money around in our budget every month.
      • We let all of our other priorities wait because we agreed that paying off the car loan was our top priority.

It turns out that If your partner gets what they want, they’ll fall in love with the process, too.

The Car Wreck that Changed Everything


Allison’s first car was a 2005 Chevy Cobalt. A little four-door thing that was a perfect car for high school and college.

But as she was driving home one day, she got into a bad accident.

Someone in traffic hit their brakes too hard and it caused a chain reaction of vehicles trying to stop long before they were supposed to.

Allison hit the car in front of her, and she was hit from behind.

Fortunately, no one was injured. Everyone walked away, albeit shaken up.

Her very first car was totaled. All the memories were wiped away in seconds.

    • The karaoke sessions from high school.
    • Late night food runs in college.
    • Moving cross-country with her goldfish in the passenger seat.

Then reality set in. We were down to only one vehicle between the two of us.

It became obvious how hard losing a vehicle is for a lot of families.

    • Not having any sort of bus system to help out.
    • Carefully asking friends and coworkers for carpool favors.
    • Trying to get two people to work in opposite sides of town.
    • Getting kids to school, the doctor, and after-school activities.
    • Coordinating grocery runs.
    • Feeling guilty about going to the gym or meeting up with friends.

How do you go from everything being fine in the morning to needing thousands of dollars by the time the sun goes down?

For most families, this would be a huge ordeal, but we were fortunate. We were prepared.

By the time of the accident, we had already been talking about money every month, tracking every dollar, and planning ahead for a few years. At some point, we decided to start saving up cash for a new car.

Allison had fallen in love with the white, Chevy Equinox, so that was what we were saving for.

Every month, we were stashing away $50 here, $100 there.

With the cash we had saved and the money from the insurance company, half the car was already paid for, and we got a car loan for the other half.

Allison got her dream car! And since we weren’t saving up for a car, the money we were stashing away was used to pay off the car loan. 

And with a little bit more movement in the budget, we paid off that loan in 6 months!

That was when it all clicked. That’s when my wife fell in love with us managing money together.

    • We didn’t argue for weeks over what to buy because we already decided what car we wanted.
    • We didn’t have to take out huge loans because we were already saving little bits of money for months.
    • We paid off the debt as fast as possible because we were already used to moving money around in our budget every month.
    • We let all of our other priorities wait because we agreed that paying off the car loan was our top priority.

It turns out that If your partner gets what they want, they’ll fall in love with the process, too.

A Blissful Life


Since then, I’m happy to report that Allison and I have built a strong and healthy relationship with each other and our money.

      • If something breaks on the car, we shuffle money around.
      • When my wife says she wants to upgrade our furniture, we start saving up.
      • Whenever I want to buy another online course, we talk about why it’s worth it.
      • If one of us gets the itch to go on vacation, we dream up where we want to go next.
      • When a hurricane hits our home, we shift our priorities.

These days, our “money talks” don’t last longer than ten minutes. I know that might seem like a ridiculously short amount of time, but it’s true!

The secret is…there is no secret. 

All the work we’ve put into how we talk about and manage our money pays off year after year. We spend so little time arguing or debating that the actual decision making is really fast.

I can safely say…it feels great!

We’re a team! 

We’re partners! 

We support each other’s dreams!

It took us working together to make that happen, and you can do it too.

A Blissful Life


Since then, I’m happy to report that Allison and I have built a strong and healthy relationship with each other and our money.

    • If something breaks on the car, we shuffle money around.
    • When my wife says she wants to upgrade our furniture, we start saving up.
    • Whenever I want to buy another online course, we talk about why it’s worth it.
    • If one of us gets the itch to go on vacation, we dream up where we want to go next.
    • When a hurricane hits our home, we shift our priorities.

These days, our “money talks” don’t last longer than ten minutes. I know that might seem like a ridiculously short amount of time, but it’s true!

The secret is…there is no secret. 

All the work we’ve put into how we talk about and manage our money pays off year after year. We spend so little time arguing or debating that the actual decision making is really fast.

I can safely say…it feels great!

We’re a team! 

We’re partners! 

We support each other’s dreams!

It took us working together to make that happen, and you can do it too.

Money’s Dirty Secret


I’ve talked with a lot of couples, and I understand what you’re going through.

As much as we want to stay level-headed, rational, and logical when we talk about money, our emotions get the better of us.

It’s not just the stress of having debt.

It’s not just being tired of renting.

It’s not just trying to get on the same page.

There is an astonishing array of emotions that bubble up when dealing with money.

      • Guilt
      • Pride
      • Fear
      • Joy
      • Insecurity
      • Excitement
      • Embarrassment
      • Anger

Whether we like it or not, emotions will always be tied to money. In fact, there’s an entire scientific field called behavioral economics that is dedicated to studying the link between money and psychology.

And it is scary to open up your financial life to someone else!

….Maybe there’s some extra spending you’re not quite proud of.

…Or your partner has an A-type personality, and you’re afraid all of your fun and independence being stripped away.

…Or maybe you’re concerned that managing money is going to be so tedious that it’ll be a giant waste of time.

Handling money with your partner is a skill that can be taught. It takes work and guidance, but you can do it!

Take a moment and think back to when you first learned to drive.

      • Clicking the seat belt into place with you in the driver’s seat.
      • Turning the key and feeling the engine start.
      • The rush of shifting the car into drive.
      • Your first push of the gas pedal….

Now…driving is second nature. It’s so easy, you wonder why we even make people take tests.

Learning the habits and skills of driving a car takes some practice, and so do the habits and skills of managing money together.

Let me show you where the potholes are in the road to success so you can avoid as many of those bumps as possible.

Money’s Dirty Secret


I’ve talked with a lot of couples, and I understand what you’re going through.

As much as we want to stay level-headed, rational, and logical when we talk about money, our emotions get the better of us.

It’s not just the stress of having debt.

It’s not just being tired of renting.

It’s not just trying to get on the same page.

There is an astonishing array of emotions that bubble up when dealing with money.

    • Guilt
    • Pride
    • Fear
    • Joy
    • Insecurity
    • Excitement
    • Embarrassment
    • Anger

Whether we like it or not, emotions will always be tied to money. In fact, there’s an entire scientific field called behavioral economics that is dedicated to studying the link between money and psychology.

And it is scary to open up your financial life to someone else!

….Maybe there’s some extra spending you’re not quite proud of.

…Or your partner has an A-type personality, and you’re afraid all of your fun and independence being stripped away.

…Or maybe you’re concerned that managing money is going to be so tedious that it’ll be a giant waste of time.

Handling money with your partner is a skill that can be taught. It takes work and guidance, but you can do it!

Take a moment and think back to when you first learned to drive.

    • Clicking the seat belt into place with you in the driver’s seat.
    • Turning the key and feeling the engine start.
    • The rush of shifting the car into drive.
    • Your first push of the gas pedal….

Now…driving is second nature. It’s so easy, you wonder why we even make people take tests.

Learning the habits and skills of driving a car takes some practice, and so do the habits and skills of managing money together.

Let me show you where the potholes are in the road to success so you can avoid as many of those bumps as possible.

My Second Mistake


My background is in engineering and finance, and I love numbers!

I love graphs! 

I love data! 

I love equations, formulas, and checklists!

And I also have a really bad habit of making things waaaaaaay more complicated than they need to be.

If you or your partner are like me, we love certainty. We love being right. We loathe being wrong. And following complicated instructions is less pain than actually being wrong.

But…what is heaven to people like us, is hell to others.

I went overboard in the first few months of managing money with my wife.

I came up with this elaborate system to organize our money and plan ahead. We were trying to guess how much we’d be spending each month on:

      • Makeup
      • Cleaning supplies
      • Toiletries
      • Office supplies
      • Lawn care
      • Etc.
      • Etc.
      • Etc.

The list just went on and on.

I don’t give Allison enough credit, but my wife was very patient and went along with this.

Eventually, we realized we were putting in way too much work for the amount of benefit we were getting. Spending an extra 30 minutes guessing all these numbers wasn’t getting us out of debt any faster or helping us save up for a down payment any sooner.

So we simplified. We created our own categories and our own rules for those categories. 

But the opposite can happen. You can make your budget too simple!

One couple I worked with had a $1,000/mo set aside in their budget for Walmart.

When you think of all the money you spend on groceries, cleaning supplies, medications, and gas for your car…spending $1,000 a month at Walmart is not too far of a stretch.

The problem is what if they go over budget? How will they know what went wrong to help them make better decisions in the future?

With my coaching, I will help you avoid making the same mistakes.

I’m here to help you develop a way of handling money together that fits your lifestyle, fits your personalities, and helps you afford your dreams.

My Second Mistake


My background is in engineering and finance, and I love numbers!

I love graphs! 

I love data! 

I love equations, formulas, and checklists!

And I also have a really bad habit of making things waaaaaaay more complicated than they need to be.

If you or your partner are like me, we love certainty. We love being right. We loathe being wrong. And following complicated instructions is less pain than actually being wrong.

But…what is heaven to people like us, is hell to others.

I went overboard in the first few months of managing money with my wife.

I came up with this elaborate system to organize our money and plan ahead. We were trying to guess how much we’d be spending each month on:

    • Makeup
    • Cleaning supplies
    • Toiletries
    • Office supplies
    • Lawn care
    • Etc.
    • Etc.
    • Etc.

The list just went on and on.

I don’t give Allison enough credit, but my wife was very patient and went along with this.

Eventually, we realized we were putting in way too much work for the amount of benefit we were getting. Spending an extra 30 minutes guessing all these numbers wasn’t getting us out of debt any faster or helping us save up for a down payment any sooner.

So we simplified. We created our own categories and our own rules for those categories. 

But the opposite can happen. You can make your budget too simple!

One couple I worked with had a $1,000/mo set aside in their budget for Walmart.

When you think of all the money you spend on groceries, cleaning supplies, medications, and gas for your car…spending $1,000 a month at Walmart is not too far of a stretch.

The problem is what if they go over budget? How will they know what went wrong to help them make better decisions in the future?

With my coaching, I will help you avoid making the same mistakes.

I’m here to help you develop a way of handling money together that fits your lifestyle, fits your personalities, and helps you afford your dreams.

Why Nothing Else Has Worked


Getting advice from the internet can be really frustrating.

      • Friends and family mean well but they seem to sugar coat their advice.
      • YouTube videos and articles have too much cookie-cutter advice to be useful.
      • And the trolls on reddit make you feel like a worthless idiot.

The good ideas you do find seem wonderful, but they turn out to be harder to use than you thought.

For example…joint accounts.

There are a lot of couples and experts who say that joint accounts are wonderful and that they solve a lot of problems when it comes to couples and managing money.

In reality, joint accounts don’t really fix much of anything.

Let’s say you buy a gym membership to lose weight. It’s a step in a good direction, but there is so much other work that needs to be done to lose weight.

The same goes for joint accounts. Having a place to share money is a step in a good direction, but there is so much other work that needs to be done to be great at managing money as a couple.

…Or maybe you started budgeting with your partner, but it turns into a giant fight about where you want the money to go versus where your partner wants the money to go.

…Or you spent hours agreeing on a budget and it all goes to shit the first week.

…Or you tried to ask your parents how they manage money, but you found out that they don’t really ever talk about money.

…Or you tried to ask your friends for advice and they’re just as clueless as you.

…Or you tried using a budgeting app, but it was so complicated it ended up being a gigantic waste of time.

The couples that are successful with money know one thing that all the others don’t…

Why Nothing Else Has Worked


Getting advice from the internet can be really frustrating.

    • Friends and family mean well but they seem to sugar coat their advice.
    • YouTube videos and articles have too much cookie-cutter advice to be useful.
    • And the trolls on reddit make you feel like a worthless idiot.

The good ideas you do find seem wonderful, but they turn out to be harder to use than you thought.

For example…joint accounts.

There are a lot of couples and experts who say that joint accounts are wonderful and that they solve a lot of problems when it comes to couples and managing money.

In reality, joint accounts don’t really fix much of anything.

Let’s say you buy a gym membership to lose weight. It’s a step in a good direction, but there is so much other work that needs to be done to lose weight.

The same goes for joint accounts. Having a place to share money is a step in a good direction, but there is so much other work that needs to be done to be great at managing money as a couple.

…Or maybe you started budgeting with your partner, but it turns into a giant fight about where you want the money to go versus where your partner wants the money to go.

…Or you spent hours agreeing on a budget and it all goes to shit the first week.

…Or you tried to ask your parents how they manage money, but you found out that they don’t really ever talk about money.

…Or you tried to ask your friends for advice and they’re just as clueless as you.

…Or you tried using a budgeting app, but it was so complicated it ended up being a gigantic waste of time.

The couples that are successful with money know one thing that all the others don’t…

Consistency Beats Perfection


It’s not about having the perfect budget.

It’s not about having the perfect set of goals.

It’s not about doing things in a perfect order.

It’s not about agreeing on everything.

It’s not about making sure every penny is put in its place.

Couples who succeed with money…keep…showing…up. 

They talk about money on a regular basis.

They talk about financial goals, dreams, and fears on a consistent basis.

They budget every month (or every quarter…or every six months…or every year) for decades.

The successful couples decide that this is the new normal. This is a lifestyle change.

Yes, it takes time to learn these changes. Yes, it takes practice.

And as your coach, I’m here to guide and support you.

Consistency Beats Perfection


It’s not about having the perfect budget.

It’s not about having the perfect set of goals.

It’s not about doing things in a perfect order.

It’s not about agreeing on everything.

It’s not about making sure every penny is put in its place.

Couples who succeed with money…keep…showing…up. 

They talk about money on a regular basis.

They talk about financial goals, dreams, and fears on a consistent basis.

They budget every month (or every quarter…or every six months…or every year) for decades.

The successful couples decide that this is the new normal. This is a lifestyle change.

Yes, it takes time to learn these changes. Yes, it takes practice.

And as your coach, I’m here to guide and support you.

How Successful Couples Think About Their Money

ON BUDGETING

OTHER COUPLES: “Making a budget is all about being frugal. Saying no. Not having any fun. Life is too short, and we don’t want that.”

– VS –

SUCCESSFUL COUPLES: “We need to have some sort of plan to reach our goals. It doesn’t have to be perfect. It doesn’t have to be strict. And we should make having fun part of our plan.”

ON INDEPENDENCE

OTHER COUPLES: “If we’re going to manage money together, that means we have to agree on every, single dollar before either of us gets to spend anything.”

– VS –

SUCCESSFUL COUPLES: “It’s a waste of time to micromanage day-to-day money. Let’s just agree on the large buckets we need in order to achieve our goals.”

ON JOINT ACCOUNTS

OTHER COUPLES: “We need to get joint accounts so that we can see everything in one place and see everything that each of us is doing.”

– VS –

SUCCESSFUL COUPLES: “Having joint accounts is a great idea just in case something happens to one of us. But we know that our success comes from our goals and our plans to reach those goals.”

ON INVESTING TIME

OTHER COUPLES: “There’s no point in spending time making these plans and tracking all of this money. Life never happens according to plan, so why even try?”

– VS –

SUCCESSFUL COUPLES: “Managing money together takes time in the beginning, but the more we do it, the faster we get at it. The faster we make decisions, the less time we spend fighting. The less time we spend fighting, the more time we have for fun.”

ON DETAILS

OTHER COUPLES: “We don’t have the patience to become amateur accountants. Spreadsheets bore us to death, and we would rather just make it up as we go.”

– VS –

SUCCESSFUL COUPLES: “Our plans are as detailed as they need to be. If we’re wasting time, we simplify. If we lack information, get detailed. But why have 100 budget categories when 10 will do?”

How Successful Couples Think About Their Money

ON BUDGETING

OTHER COUPLES: “Making a budget is all about being frugal. Saying no. Not having any fun. Life is too short, and we don’t want that.”

– VS –

SUCCESSFUL COUPLES: “We need to have some sort of plan to reach our goals. It doesn’t have to be perfect. It doesn’t have to be strict. And we should make having fun part of our plan.”

ON INDEPENDENCE

OTHER COUPLES: “If we’re going to manage money together, that means we have to agree on every, single dollar before either of us gets to spend anything.”

– VS –

SUCCESSFUL COUPLES: “It’s a waste of time to micromanage day-to-day money. Let’s just agree on the large buckets we need in order to achieve our goals.”

ON JOINT ACCOUNTS

OTHER COUPLES: “We need to get joint accounts so that we can see everything in one place and see everything that each of us is doing.”

– VS –

SUCCESSFUL COUPLES: “Having joint accounts is a great idea just in case something happens to one of us. But we know that our success comes from our goals and our plans to reach those goals.”

ON INVESTING TIME

OTHER COUPLES: “There’s no point in spending time making these plans and tracking all of this money. Life never happens according to plan, so why even try?”

– VS –

SUCCESSFUL COUPLES: “Managing money together takes time in the beginning, but the more we do it, the faster we get at it. The faster we make decisions, the less time we spend fighting. The less time we spend fighting, the more time we have for fun.”

ON DETAILS

OTHER COUPLES: “We don’t have the patience to become amateur accountants. Spreadsheets bore us to death, and we would rather just make it up as we go.”

– VS –

SUCCESSFUL COUPLES: “Our plans are as detailed as they need to be. If we’re wasting time, we simplify. If we lack information, get detailed. But why have 100 budget categories when 10 will do?”

Introducing…

Financial coaching is the fast-track to becoming a couple that wins with money…

      • Save your relationship from DOOM–because we all know that fighting about money is the #1 cause of divorce.
      • Learn the fastest ways to get out of debt and save yourself thousands of dollars and years of payments.
      • Become remarkably comfortable talking about money with each other–even in front of your friends and parents.
      • Be able to hold yourselves accountable without resorting to constant nagging.
      • Learn how to make FUN part of your plans (miss this step and you can kiss your relationship goodbye).
      • Build unwavering confidence in your financial decision-making skills so you can handle whatever the world throws at you.
      • Make financial plans that actually work…even if you’ve never been able to stick to a budget.
      • Create such an unbreakable level of trust that getting “financially naked” with each other becomes as normal as farting next to each other on the couch.
      • Learn to save so much money that the coaching pays for itself over…and over…and over…and over again.

Financial coaching is a one-on-one program that teaches you and your partner:

      1. The skills you need to communicate effectively with money.
      2. The habits needed for financial success.
      3. The latest (and mostly free) tools to save you time.

Every coaching session is customized to what your goals are, what knowledge you already have, and how you work together as a team.

Depending on what you need, you will get answers to questions like:

      • How do we decide on what goals to go after first?
      • How do we get out of debt as fast as possible?
      • Are we ready to buy a house or should we wait?
      • How do we raise our credit scores?
      • What apps should we use?
      • How do we track our money on a regular basis?
      • How do we save up for kids?
      • Should we have joint accounts?
      • How do we save for retirement?
      • ….and so much more

Let me help you unite–not fight–over money.

Introducing…

Financial coaching is the fast-track to becoming a couple that wins with money…

    • Save your relationship from DOOM–because we all know that fighting about money is the #1 cause of divorce.
    • Learn the fastest ways to get out of debt and save yourself thousands of dollars and years of payments.
    • Become remarkably comfortable talking about money with each other–even in front of your friends and parents.
    • Be able to hold yourselves accountable without resorting to constant nagging.
    • Learn how to make FUN part of your plans (miss this step and you can kiss your relationship goodbye).
    • Build unwavering confidence in your financial decision-making skills so you can handle whatever the world throws at you.
    • Make financial plans that actually work…even if you’ve never been able to stick to a budget.
    • Create such an unbreakable level of trust that getting “financially naked” with each other becomes as normal as farting next to each other on the couch.
    • Learn to save so much money that the coaching pays for itself over…and over…and over…and over again.

Financial coaching is a one-on-one program that teaches you and your partner:

    1. The skills you need to communicate effectively with money.
    2. The habits needed for financial success.
    3. The latest (and mostly free) tools to save you time.

Every coaching session is customized to what your goals are, what knowledge you already have, and how you work together as a team.

Depending on what you need, you will get answers to questions like:

    • How do we decide on what goals to go after first?
    • How do we get out of debt as fast as possible?
    • Are we ready to buy a house or should we wait?
    • How do we raise our credit scores?
    • What apps should we use?
    • How do we track our money on a regular basis?
    • How do we save up for kids?
    • Should we have joint accounts?
    • How do we save for retirement?
    • ….and so much more

Let me help you unite–not fight–over money.

Coaching Packages

 

Quick Start Program

A 1-month coaching program to help you and your partner:

    • Decide on specific goals so that you are on the same page toward winning with money.
    • Set up a system to track your money so you can see everything and fix problems before they happen.
    • Create your first budget so that you can make decisions in minutes rather than hours.

We will meet once a week for 4 weeks at 30 minutes each, and you’ll have unlimited email support.

Advanced Program

A 4-month coaching program that begins with the Quick Start Program and continues with 3 months of coaching to help you and your partner:

    • Learn to talk about money in a way that leads to action instead of indecision.
    • Prioritize your goals so that you can fit in some fun, too.
    • Master your financial system so that you know how to fix (or upgrade) any piece of it in the future.

During the first month (Quick Start Program), we’ll meet for 30 minutes once a week for 4 weeks. Then we’ll meet for 30 minutes every other week for an additional 3 months. 

And you’ll have unlimited email support the whole time.

Expert Program

A 6-month coaching program that begins with the Quick Start Program (1 month), works through the Advanced Program (3 months), and continues with an additional 2 months of coaching to help you and your partner:

    • Get rid of destructive spending habits, forever.
    • Learn how millionaires and billionaires think about money so that you think just like them.
    • Make talking about finances so easy that you’ll forget the last time you fought about money.

During the first month (Quick Start Program), we’ll meet for 30 minutes once a week for 4 weeks. Then we’ll meet for 30 minutes every other week for the additional 5 months. 

And you’ll have unlimited email support the whole time.

Coaching Packages

Quick Start Program

A 1-month coaching program to help you and your partner:

    • Decide on specific goals so that you are on the same page toward winning with money.
    • Set up a system to track your money so you can see everything and fix problems before they happen.
    • Create your first budget so that you can make decisions in minutes rather than hours.

We will meet once a week for 4 weeks at 30 minutes each, and you’ll have unlimited email support.

Advanced Program

A 4-month coaching program that begins with the Quick Start Program and continues with 3 months of coaching to help you and your partner:

    • Learn to talk about money in a way that leads to action instead of indecision.
    • Prioritize your goals so that you can fit in some fun, too.
    • Master your financial system so that you know how to fix (or upgrade) any piece of it in the future.

During the first month (Quick Start Program), we’ll meet for 30 minutes once a week for 4 weeks. Then we’ll meet for 30 minutes every other week for an additional 3 months. 

And you’ll have unlimited email support the whole time.

Expert Program

A 6-month coaching program that begins with the Quick Start Program (1 month), works through the Advanced Program (3 months), and continues with an additional 2 months of coaching to help you and your partner:

    • Get rid of destructive spending habits, forever.
    • Learn how millionaires and billionaires think about money so that you think just like them.
    • Make talking about finances so easy that you’ll forget the last time you fought about money.

During the first month (Quick Start Program), we’ll meet for 30 minutes once a week for 4 weeks. Then we’ll meet for 30 minutes every other week for the additional 5 months. 

And you’ll have unlimited email support the whole time.

How to get started?

Before you sign up for financial coaching, I would love to get to know you!

I offer every couple a FREE, 30-minute session where:

    • I get to hear more of your story and understand your situation.
    • You share any specific goals or fears. 
    • You get to know me better and how I work.
    • And I’ll share the details of how my coaching program works (including prices).

Use the button below to sign up for your free session, or keep reading for more information.

schedule free session

How to get started?

Before you sign up for financial coaching, I would love to get to know you!

I offer every couple a FREE, 30-minute session where:

    • I get to hear more of your story and understand your situation.
    • You share any specific goals or fears. 
    • You get to know me better and how I work.
    • And I’ll share the details of how my coaching program works (including prices).

Use the button below to sign up for your free session, or keep reading for more information.

schedule free session

Financial Coaching is for You, If…

  1. You believe that a couple is successful with money when they work together.
  2. You want to do better with money but are completely lost on how to go about doing it.
  3. You’re frustrated with all the conflicting advice online and you want someone to help you decide what to do next.
  4. You want a judgement-free place to express your hopes, dreams, fears, and concerns about money.
  5. You love each other but coming up with a plan for your money has been tough.

Financial Coaching is for You, If…

  1. You believe that a couple is successful with money when they work together.
  2. You want to do better with money but are completely lost on how to go about doing it.
  3. You’re frustrated with all the conflicting advice online and you want someone to help you decide what to do next.
  4. You want a judgement-free place to express your hopes, dreams, fears, and concerns about money.
  5. You love each other but coming up with a plan for your money has been tough.

FAQ

“How long does the coaching take?”
When you sign up for your free session, we’ll talk so that I can get a sense of where you are and where you want to go. Then, we’ll talk about my 1-month, 4-month, or 6-month coaching packages.

 

“How much time will we need to work on this every week?”
To be successful, you need to be ready to work on your finances and my coaching suggestions for at least 2-3 hours a week. Learning new skills takes time and practice, and the more you put into the coaching, the more you’ll get out of it.

 

“Do we need to be on the calls together?”
If you are a couple, both of you are required to be on all coaching calls, but you don’t have to be in the same physical space. Using Zoom, Skype, or a good ol’ fashioned conference call works great.

 

“What if I just want to do the coaching on my own?”
If you’re single and want coaching, I’d love to help. I’ve also coached individuals who were “engaged to be engaged” but weren’t ready to dive into finances with their partner. I make this decision on a case-by-case basis, so let’s talk!

FAQ

“How long does the coaching take?”
When you sign up for your free session, we’ll talk so that I can get a sense of where you are and where you want to go. Then, we’ll talk about my 1-month, 4-month, or 7-month coaching packages.

 

“How much time will we need to work on this every week?”
To be successful, you need to be ready to work on your finances and my coaching suggestions for at least 2-3 hours a week. Learning new skills takes time and practice, and the more you put into the coaching, the more you’ll get out of it.

 

“Do we need to be on the calls together?”
If you are a couple, both of you are required to be on all coaching calls, but you don’t have to be in the same physical space. Using Zoom, Skype, or a good ol’ fashioned conference call works great.

 

“What if I just want to do the coaching on my own?”
If you’re single and want coaching, I’d love to help. I’ve also coached individuals who were “engaged to be engaged” but weren’t ready to dive into finances with their partner. I make this decision on a case-by-case basis, so let’s talk!

30-Day, 100% Risk Free Guarantee

I do offer a money-back guarantee only after you have completed the initial coaching session (the one after the free session). If within 30 days of your initial session you believe the services promised were not delivered, I will refund your coaching fee.

schedule free session

30-Day, 100% Risk Free Guarantee

I do offer a money-back guarantee only after you have completed the initial coaching session (the one after the free session). If within 30 days of your initial session you believe the services promised were not delivered, I will refund your coaching fee.

schedule free session

Testimonials

 

“Everything was separate and we didn’t have a good plan. The coaching was just a kick in the pants that we needed. We had been talking about it and circling the drain on it forever. Having  those open conversations about our goals and forcing ourselves to do that. I think having that open dialogue is more important than anything else.”

DJ and Colleen P.

“I don’t feel as guilty spending money. It’s part of my budget and I like that a lot. I can go out and buy stuff and not feel guilty. I felt like I couldn’t afford it…but I could. I think everyone should have a financial coach. I liked the one-on-one. I think everyone should have a budget that works for them. Most people wing it, but Dan helps people tweak it and he gives good advice. I definitely got my money’s worth.”

Ashley P.

“I was in a spot that I was not doing well with my finances and debt was piling up and I decided to use Dan and it really and truly helped change the way I looked at my budget…and it made me realize that before I met with Dan and really dove into my financial situation I really was only half way looking at my money and halfway figuring out a budget. Once I started working with Dan I REALLY knew what I was making/spending per week down to the dollar and I never thought I would be able to do that because I hate math and I hate sitting and doing tedious things like that.

But Dan was very easy to talk to and I never once felt afraid or embarrassed to discuss my money (or lack thereof) with Dan and that was the real difference maker. Reading a book or just using an app can be a little beneficial but actually being able to meet in person or talk to Dan on the phone changed everything for me. 4 years later I am still using his methods he taught me to pay down my debts and I would recommend anyone who is in financial trouble OR just wants to stay ahead of any debt they may have, I can’t recommend Dan Hinz enough!!! He’s a great guy who can talk to you like a normal person and not use big fancy “accountant” terms that can be intimidating and confusing. He makes it easy and a part of your daily routine to check your budget. I can’t thank Dan enough for how he helped me!!”

Jimmy P.

Testimonials

 

“Everything was separate and we didn’t have a good plan. The coaching was just a kick in the pants that we needed. We had been talking about it and circling the drain on it forever. Having  those open conversations about our goals and forcing ourselves to do that. I think having that open dialogue is more important than anything else.”

DJ and Colleen P.

“I don’t feel as guilty spending money. It’s part of my budget and I like that a lot. I can go out and buy stuff and not feel guilty. I felt like I couldn’t afford it…but I could. I think everyone should have a financial coach. I liked the one-on-one. I think everyone should have a budget that works for them. Most people wing it, but Dan helps people tweak it and he gives good advice. I definitely got my money’s worth.”

Ashley P.

“I was in a spot that I was not doing well with my finances and debt was piling up and I decided to use Dan and it really and truly helped change the way I looked at my budget…and it made me realize that before I met with Dan and really dove into my financial situation I really was only half way looking at my money and halfway figuring out a budget. Once I started working with Dan I REALLY knew what I was making/spending per week down to the dollar and I never thought I would be able to do that because I hate math and I hate sitting and doing tedious things like that.

But Dan was very easy to talk to and I never once felt afraid or embarrassed to discuss my money (or lack thereof) with Dan and that was the real difference maker. Reading a book or just using an app can be a little beneficial but actually being able to meet in person or talk to Dan on the phone changed everything for me. 4 years later I am still using his methods he taught me to pay down my debts and I would recommend anyone who is in financial trouble OR just wants to stay ahead of any debt they may have, I can’t recommend Dan Hinz enough!!! He’s a great guy who can talk to you like a normal person and not use big fancy “accountant” terms that can be intimidating and confusing. He makes it easy and a part of your daily routine to check your budget. I can’t thank Dan enough for how he helped me!!”

Jimmy P.

Some couples struggle with trial and error.

Others hire coaches and get results.


…What if you didn’t have to spend weeks
testing a new process?

…What if you didn’t have to waste hours sifting through conflicting advice online?

…What if you asked a question and got an answer the next day?

…What if you were confident that the work you were doing would be worth it?

There is nothing stopping you and your partner from learning to work together with money. You can do it. I know you can.

The question is: how much of the line do you want to skip?

That’s what personal coaching does for Olympic athletes, Oscar-winning actors, and billionaire CEO’s.

All those successful people still put in the work. They still get to make their own decisions. They get to be themselves.

But think about how much time, energy, and money they save over the course of their lives by hiring someone to keep them from going down the wrong path.

Let’s talk. Let me be your coach. And I’ll get you pointed in the right direction.

Some couples struggle with trial and error.

Others hire coaches and get results.


…What if you didn’t have to spend weeks
testing a new process?

…What if you didn’t have to waste hours sifting through conflicting advice online?

…What if you asked a question and got an answer the next day?

…What if you were confident that the work you were doing would be worth it?

There is nothing stopping you and your partner from learning to work together with money. You can do it. I know you can.

The question is: how much of the line do you want to skip?

That’s what personal coaching does for Olympic athletes, Oscar-winning actors, and billionaire CEO’s.

All those successful people still put in the work. They still get to make their own decisions. They get to be themselves.

But think about how much time, energy, and money they save over the course of their lives by hiring someone to keep them from going down the wrong path.

Let’s talk. Let me be your coach. And I’ll get you pointed in the right direction.

schedule free session
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