friendly money coach talking to couple about personal finances

Unsure how to balance enjoying life today while also preparing for the future?

Feeling stressed by your finances, even though you're doing your best?

Tired of not being on the same page with your partner about money?

Ready to make financial decisions with confidence instead of second-guessing yourself?

We've got you. Here's how it works...

  • "My partner and I both come from challenging backgrounds when it comes to money. We knew we needed to sort out things like savings, retirement, and our distribution of expenses, but we were apprehensive to broach the topic at all. We booked a Financial Clarity Intensive with Emily Gowen and immediately wished we had done it sooner! Emily demystified and defanged our finances for us. By the end of the call, we were clear about our mutual goals, our budget, how much to save for retirement, who pays for what in our household, and even how my small business should operate financially. It’s been over a month since our Intensive, and we still talk about that meeting pretty often. It transformed our personal relationships to money, and as a couple, it increased our feelings of agency and optimism for the future. Emily’s kindness, sense of humor, and clear approach were key to all of that. Her relatability and vulnerability made her a guide we could trust to aid and support us. If your finances are freaking you out, let Emily scare away the monsters under the bed and show you the way through. I can’t recommend her enough. "

    Caitlin, Portland OR

  • "Working with Emily was one of the best things my partner and I have ever done. She was able to totally transform our relationship with our finances very quickly and easily. We went from feeling stressed out and having no clue where our money was going every month, to being confident, stress-free and in total control. I absolutely recommend her to anyone who doesn't already have a stress-free, confident and FUN relationship with their income and expenses. It will change your life, no exaggeration!"

    Erin G., , Princeton, MA

  • "Emily was incredibly warm, welcoming and practical! My husband and I came to her looking to organize our joint bank account and do some future planning/get a read on our current situation. Her advice was sustainable, functional, and down to earth. Emily helped us to map out our future financial plans so that we could start really saving our money for the things we wanted. We've already saved a lot of money using her advice! We will definitely be using her services again and would recommend her to anyone looking for a friendly, down to earth person to talk about money with."

    Gabby R., Portland, Oregon

  • "Emily is the best! She never made us feel bad about what we didn't know or hadn't yet done in terms of our finances. I have already recommended her to several friends and colleagues. It is totally worth the cost to work with Emily and you will definitely make that money back in terms of what you save. I feel so much more on top of our finances. I have a better sense of how much money we actually have and I know that I'm planning for future expenses."

    Catherine, Portland, OR

  • "So much has changed since working together! I feel a WORLD of difference regarding having a solid foundation around personal and business finances, how to budget over time, and how to navigate finances with my spouse. Before working with you, we were talking in circles about how to combine our finances. With you the process was seamless and easeful. Our stress and tension regarding money is greatly reduced from where it was before, and I feel like we are working as a team and it feels great! Working with you was such a balm to my anxiety around money! Your presence and knowledge was so helpful to the process."

    Annie, Portland, OR

PHASE ONE

Financial Clarity Intensive

Ready? Let's work together!

This Intensive will help you:

  • Gain clarity on your financial picture and identify practical next steps to make managing money feel simpler and less stressful

  • Create a Sustainable Spending Plan that includes what you most value in life as well as clear debt repayment and savings plans

  • Make confident decisions about spending, saving, and investing without constantly second-guessing yourself.

  • Make clear agreements with your partner about what expenses you want to share and how you will manage your money to achieve your shared goals

Your Intensive Includes:

  • Access to a private client portal with videos, worksheets, and resources to guide you through the preparation process.

  • A mini-course with videos and handouts on sharing finances with your partner.\

  • A 2-2.5 hour virtual session where we'll create your Sustainable Spending Plan and develop a clear roadmap for your next steps.

  • Personalized action steps and one week of email support following our session.

This process begins before we meet:

You'll complete prep work designed to help us make the most of our time together. Your materials are due 48 hours before our session so I can review everything in advance and come prepared with recommendations tailored to your situation.

This work is valuable at any stage of life and can be especially helpful during major transitions such as changing jobs, having a child, getting divorced, receiving an inheritance, or combining finances with a partner.

Investment:
$595 for Individuals or Couples already sharing finances
$695 for Couples needing help merging finances
$795 for self-employed individuals or couples

Schedule here

"I feel less fearful and like I'm hiding from things, and more engaged and knowledgable. I actually enjoy paying my bills now too because I know I have the money set aside."

Catherine, Portland, OR

PHASE TWO

3 Months of 1:1 Coaching

Do you want to calmly and confidently manage your money (with your partner)?

Now that you have a plan, it's time to put it into practice.

Over three months, we'll help you simplify your finances, make confident decisions, and build a system that supports both your current life and your future goals.

As a result of this program, you will:

  • Feel more confident about where your money is going and why.

  • Enjoy spending on what matters most while making steady progress toward your goals.

  • Simplify your cash flow and reduce financial overwhelm.

  • Learn how to use your budget as a tool for decision-making rather than something you constantly feel behind on.

  • Build a financial system you can continue using long after our work together ends.

What’s Included:

  • We'll build your budget for you in your new tracking system before your first session, so you can start with a clear plan from day one.

  • Seven one-on-one coaching sessions with regular support between meetings.

  • Reviewing your real-time cash flow in each session, helping you stay connected to your goals and intentional with your spending.

  • Making your money and its purpose as concrete as possible, so financial decisions become simpler and less stressful.

  • Teaching you a realistic, sustainable system for managing your money that you can continue using long after our work together ends.

Questions you may have:

  • Coaching helps you gain control of your money faster by having accountability and support in implementing your new plan for your money.

    Financial struggles are not solved in one day, just like health and fitness habits are not solved in one personal training or nutrition session.

    Ongoing coaching supports you in:

    • Embodying your new identity of someone who is good with money

    • Maintaining an organized system for making financial decisions with confidence

    • Actually looking forward to managing your personal, joint, or business finances

    • Creating lasting changes in your habits with money. 

    I am confident my clients save far more money than they invest in coaching, and continue to do so year after year.

    This work is the best solution for someone experiencing fear, shame, anxiety, or frustration with money, because you’ll start taking action toward a different future right away, and continue moving towards it with support.

  • Don’t worry - Doing the deeper work around your relationship and beliefs around money is almost inevitable while tackling the day-to-day reality of it head-on. We will:

    • Create a safe space to share what comes up for you around spending and saving money

    • Identify roadblocks or obstacles you may have to enjoying your money

    • Determine clear action steps you can take to move past those hurdles

    Financial coaching is not without vulnerability; in fact, tears and emotions are welcome in my sessions. If issues surface that are beyond my wheelhouse of expertise, I will refer you to another professional or perhaps therapist who can support you in working through them.

  • My business is not only here to serve cis, hetero folks- all are welcome!

  • I only onboard two new clients per month into 1:1 coaching so that I know I’m giving you all the support you need for success!

Investment: $2500
payment plans available.

*If one of you is self-employed and wants support with your business cash-flow and budgeting, our business coaching program is $3500.

Our 3-Month Coaching Program Provides:

  • Accountability & grace from a sharp, practical and kind financial guide.

    Michael said, “One of Emily's greatest gifts as a Financial Coach is her ability to be practical, logical and mathematical while simultaneously also being caring and compassionate. She is authentic, direct, sincere, kind and honest around the complex topic of money and whatever it may bring up for her clients.”

  • Sleeping well at night knowing your money is taken care of with a thorough, holistic spending plan that leads to what you most want and value in life.

    Sahar said, “I sleep well at night now, because my money is organized and I know exactly what it needs to do, to support the lifestyle I want.”

  • A welcoming and non-judgmental space to learn about money, gain control over it and manage it with confidence.

    Jennifer said PDX Money Coaching provided “a safe and knowledgeable space to create realistic systems in both my personal & business finances.”

  • Better communication with my spouse and momentum toward our shared goals.

    Autumn said, “while we used to cringe at the thought of not only devising a budget, but sticking to it, Emily gave us the tools we needed to make budgeting (dare I say it?) fun.”

Client Testimonials

 
 
 

PHASE THREE

Ongoing Support Beyond the 3-Month Program

Financial planning isn't something we do once and never revisit; As life changes, new opportunities, challenges, and questions will arise.

For clients who have completed the 3-Month Coaching Program, ongoing coaching provides continued support as you implement your plan, navigate life transitions, and stay connected to your financial goals.

Whether you're adjusting to a new job, growing your family, planning a major purchase, preparing for retirement, or simply wanting ongoing accountability, we're here to help.

Ongoing Support Includes:

  • Regular one-on-one coaching meetings

  • Email support between sessions

  • Continued review of your cash flow and financial goals

  • Accountability and guidance as you put your plan into practice

  • A trusted sounding board for financial decisions big and small

"Jessie and I just wanted to reach out and thank you for the coaching we started with you last December. Yesterday we finished paying off ALL of the debt that we had a year ago!!

We are thrilled to be debt-free, and can't wait to plan our budget for next year and continue working towards goals together. Thank you again for helping us create this great system, it's had a huge impact on our lives!"

Ruth & Jessie Bond, Portland, Oregon

Ready to talk  about whether Financial Coaching is the next best step for you?

Schedule a free chat here!