I highly recommend financial coaching with Kristin. She is extremely thoughtful and organized and gets to know you as a person as well as your financial life. She is encouraging and validating about the difficulty of breaking ineffective habits with money, and she does not judge you. She keeps me accountable and demonstrates how being involved with your money really does make a difference. She gently keeps you focused and problem solves with you. I have learned so much already and am breaking my old habits. She has lots of tools to work with and you can pick and choose which ones you want. She keeps things from being overwhelming, which is huge for me. If you need help managing money, sign up with Kristin. She is the best!