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“I had no savings, no plan for my money, and was not even living paycheck to paycheck because I would overdraft partway through the month.
I avoided opening my bank apps because I couldn’t bear the anxiety of checking my balances.
Money was a huge source of stress, and it felt like I had no way out. I had met with a few financial advisors and read all the budgeting books; none of them made sense to me – I just couldn’t stick with any of those budgets, and I couldn’t handle the shame.
Through a fortuitous Google search, I found Penny. I reached out via email to ask her some questions, but it still took me a while to commit. I also wasn’t sure how I would afford the expense of a financial coach.
I met with Penny, and she immediately put me at ease. She has a great sense of humor, is kind, doesn’t judge or shame, and has figured out a system that works for me. Penny’s coaching fee has been the best money I’ve ever spent.
Truly. I’ve been working with Penny for six months now, and I have $5,000 in emergency savings, I have paid off almost $10,000 in debt, and my credit score has increased by nearly 100 points.
Perhaps the most meaningful change for me has been that my stress and anxiety around money have decreased dramatically, and I feel empowered to make financial decisions for myself.
Penny has truly changed my life, and she will change yours, too. Take the leap. It’s scary, but it’s so worth it.
Thank you, Penny, for your kindness, knowledge, compassion, and sense of humor. I am forever grateful.
If you are debating working with Penny, stop debating and sign up now. She will change your life.”
– Anonymous, 10/2025
