Pennywise Coaching Testimonial Josh and Ryan

by | Jul 30, 2025

Hear from real Pennywise Coaching clients Josh and Ryan on their experience working with financial coach Penny Kidd of pennywisecoaching.com

In this episode, Josh and Ryan share their transformative experience with Pennywise Coaching over the past six months. Starting with an unexpected inheritance and a desire to manage their finances wisely, they explore how they adopted the Qube Money app and budgeting strategies, which have transformed their approach to money entirely.

They discuss their initial challenges, mindset shifts, and triumphs, including developing a consistent savings habit, reducing debt, and planning intentional expenditures. They also highlight the emotional aspects of financial planning and how it’s deepened their relationship, emphasizing the importance of communication and mindful spending.

Their story illustrates the tangible and intangible benefits of financial coaching, as well as the importance of investing in financial education for a secure and fulfilling future.

About Penny Kidd

I'm a social worker turned Financial Coach. I'm completely debt-free (including my house!) and help others make their money behave by doing a budget and becoming intentional with their money.

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