Power, through planning
Debt Dependency is a fight you can win.
We think of debt as something that happens to us. Actually, it is a state that results from our own behavior. "Debt Dependency" means depending on our income or assets to satisfy a debt or obligation to another entity. We depend on transferring our earned income to someone else, in order to enable some lifestyle choices. Through good coaching and teamwork, we can learn to use a plan that breaks that dependency and show the way out.
Focus Your Income and Actions
Self-Awareness to Inspire Financial Self-Control.
Gaining awareness of our behavior with money helps drive us toward financial goal-oriented action. Self-control shapes the way we discipline our minds & our emotions to follow your plan of action to the meaningful result.
Your focus, intentionality, and aggressive action will mean the difference between
debt dependency or income independence.
Secure. Confident. Debt-Free.
To win with money is to earn your right to confidently shape your future
With the plan, the spirit of awareness and control, and the belief in yourself that you will succeed, you have all you need to shape your own financial future. Amazingly, you'll see how this strength of confidence can drive you onward toward life goals even beyond money! Confidence, security, and belief...build these attributes into you faith and vision for your personal financial life. Good riddance to fear, doubt, and insecurity about your future.
About Me
Welcome to Ways and Means Coaching
Hello! I'm Dave and I'm thrilled you're here. I'm a military member, father, husband, and Certified Financial Coach. I started this business after having two major realizations, which I want to share with you.
First, my family and I realized some years ago that financial insecurity was at the root of some larger problems in our lives. These included anxiety about the future for us and our kids; disunity between my wife and I resulting in friction in our marriage; and absolute ignorance of what the next month or year could mean for us in our debt-ridden financial state.
Second, I realized that these deeper issues reflected a subtle--but very real--lack of confidence in myself. I questioned things like relationships, my spirituality, my parenting. What kind of person can I be while enslaved to behaviors that kept me dependent on debt? I held on to INSECURITY.
After almost three years of working on our behaviors and attitudes, building our budget planning tools, teaching and mentoring our military community about debt and personal financial habits, we learned how to use only our MEANS to pave the WAY toward financial well-being. With that came the CONFIDENCE to fend off anxiety, fear, and stress caused money issues--FOR GOOD!
Through 1-on-1 dedicated coaching, I want to lead you along that same hopeful path toward peace and confidence where money is concerned. Old-fashioned relationships built on trust and teamwork will get us there...and it doesn't cost anything to meet with me for a consultation.
Let's see how Ways & Means can introduce you to your debt-free, self-confident, and financially successful future self! Talk soon!
Services Available
Financial Coaching Pathways
Tailored to your future goals.
Single Session
$135
One sixty-minute coaching session, one-on-one. No other obligation...start your path toward security.
Three Session Pathway
$110 per
Three sessions to guide toward specific goals, with an added 6-month check-in.
Concierge Coaching
$95/mo
Schedule up to three 20-minute non-consecutive virtual sessions per month to steer progress, accountability, and modified objectives.
Please Note: All Pathways are direct service to clients, which may be individuals or family couples who share a household. Client services usually include some forms to help gather and sort financial information and steer clients toward successful financial behaviors. we do not sell any financial products, securities, options, or market behavior advice. We do not provide legal taxation advise or services. All clients are encouraged to seek legal coverage, CPA assistance, or consult a Certified Financial Advisor for specifical market investment decisions.