MITM Club: Fitness - Finance - Lifestyle
Wednesday, May 01, 2024
Have you ever wondered if you're truly maximizing your financial potential? In the complex world of personal finance, having a skilled navigator by your side can make all the difference.
This is where a financial coach comes into play. Whether you’re looking to build wealth, manage debt, or prepare for retirement, the right financial coach can offer invaluable guidance to help you achieve your financial goals.
In today’s financial environment, it's easy to feel overwhelmed by investment options, tax laws, and budgeting strategies. However, not all advice is created equal, and selecting a coach who is not only knowledgeable but also a good fit for your financial style can be daunting.
This blog post will delve into the crucial aspects of choosing a financial coach who can effectively guide you towards your financial aspirations. From understanding the importance of professional credentials to recognizing the value of personal fit, we’ll cover everything you need to make an informed decision.
So, buckle up as we embark on this journey to find a financial coach who can not only demystify the complexities of finance but also empower you to take control of your financial destiny.
Navigating the world of personal finance can be likened to steering a ship through a sea of opportunities and challenges. The right guidance is crucial not only for avoiding financial pitfalls but also for capitalizing on growth opportunities.
A financial coach plays a pivotal role in this process, providing the expertise and support needed to make informed decisions and develop a robust financial strategy.
A financial coach is more than just an advisor; they are a partner in your financial health. Unlike financial advisors, who often focus on specific financial products or investment portfolios, coaches cover a broader spectrum.
They help you understand your financial situation, set realistic goals, and create a plan to achieve them. This might include budget management, debt repayment strategies, savings plans, and even behavioral changes related to spending.
Financial coaches work with you to build a foundation of financial literacy, empowering you to make smarter decisions independently over time.
The landscape of personal finance is ever-evolving, with new financial instruments, evolving tax laws, and shifting economic conditions. Professional financial coaches keep abreast of these changes, ensuring that their advice reflects the current economic environment and the best practices in personal finance management. Here are a few ways professional guidance can make a significant impact:
1. Expertise in Financial Planning: Coaches possess extensive knowledge about financial planning, allowing them to tailor advice specifically to your financial situation and long-term objectives.
2. Accountability: Your financial coach is there to keep you accountable. Regular check-ins provide the motivation and support needed to stick to your financial plan and make adjustments as your life circumstances change.
3. Objective and Unbiased Advice: Unlike financial advisors who may sometimes be motivated by commissions, financial coaches are typically paid for their time and expertise, allowing them to offer unbiased advice that best serves your interests.
4. Emotional Support: Financial decisions can be stressful and emotional. A coach can provide support during tough financial times, helping you to manage stress and avoid making decisions based on emotions alone.
Statistics show that individuals who engage with financial coaches report higher levels of financial confidence and improved financial behaviors. For instance, a study might reveal that clients who have ongoing relationships with a financial coach see a noticeable improvement in their savings rates, reduction in debt, and overall better financial health compared to those who do not seek such guidance.
The guidance provided by a financial coach can be transformative, equipping you with the tools and confidence to manage your finances effectively. As we continue to explore how to find the right financial coach, keep in mind that the ultimate goal is to enhance your financial well-being and secure a prosperous future.
Financial coaching can significantly influence your economic well-being by providing tailored advice and personalized strategies.
But what exactly does a financial coach do, and how do they differ from other financial professionals?
Let's dive deeper into the role of a financial coach and the specific services they offer.
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A financial coach focuses on educating clients about the basics of personal finance and helping them develop the skills and behaviors necessary for financial self-sufficiency.
Unlike financial advisors or planners who often concentrate on investments, insurance, and estate planning, coaches are more like financial therapists. They work with clients to set goals, create budgets, reduce debt, and build a saving habit, emphasizing financial education and behavioral change.
The services offered by a financial coach can vary, but they typically include:
- Budgeting Assistance: Coaches help clients understand their income and expenditures, teaching them how to allocate their finances towards various categories wisely. This foundational skill is crucial for achieving financial stability and long-term goals.
- Debt Management and Reduction: Coaches develop strategies to manage and pay off debts. Whether it's credit card debt, student loans, or mortgages, they provide plans that can help minimize interest payments and reduce total debt levels.
- Savings Strategies: Financial coaches encourage clients to establish and grow their savings. They assist in setting up emergency funds, saving for significant expenses, and investing for future needs like retirement.
- Behavioral Change and Financial Literacy: A core part of financial coaching involves changing poor financial habits and replacing them with healthy ones. Coaches spend considerable time educating their clients about financial principles, helping them to make informed decisions and avoid common financial pitfalls.
- Goal Setting and Monitoring: Coaches help clients define clear, achievable financial goals and regularly monitor their progress, adjusting strategies as needed to ensure success.
How Coaches Differ from Other Financial Professionals
It's important to understand how financial coaches differ from advisors and planners:
- Scope of Services: Financial advisors and planners typically offer more specialized services in areas like investments, tax planning, and estate planning. Coaches, however, focus on day-to-day financial management and education.
- Client Engagement: Financial coaching involves regular, often monthly, meetings to review financial habits, make adjustments to budgets, and reinforce good practices. This level of engagement is typically more hands-on than that of financial advisors.
- Compensation: Financial coaches usually charge a flat fee or hourly rate for their services, which can make them more accessible for people who might not have significant assets but still need financial guidance.
Understanding these differences is crucial when deciding which type of financial professional is right for you. While a financial advisor might be suitable for managing your investments, a financial coach could be what you need to develop better financial habits and achieve your daily financial goals.
When selecting a financial coach, it's vital to consider their qualifications and credentials to ensure they are competent and credible. These certifications indicate a professional's commitment to their field and their proficiency in various aspects of financial planning and advice.
Essential Credentials for Financial Coaches
While financial coaching doesn't require specific licenses like some financial advisory roles, certain certifications can greatly enhance a coach's effectiveness and trustworthiness:
- Certified Financial Planner (CFP): This is one of the most respected certifications in the field of financial planning. CFP professionals undergo rigorous exams and are required to follow a strict ethical standard. They are well-equipped to offer comprehensive financial advice, which can include budgeting, saving, investing, and tax strategies.
- Chartered Financial Analyst (CFA): Although more common in portfolio management and investment analysis, the CFA designation also signals a deep understanding of financial markets, investment analysis, and wealth management. CFAs are among the most respected professionals in the finance industry.
- Accredited Financial Counselor (AFC): This certification focuses specifically on the elements of financial counselling, including education on managing debt, creating budgets, and saving. AFC professionals are particularly skilled in helping individuals improve their financial behaviour and make sustainable financial decisions.
- Certified Public Accountant (CPA): CPAs are not only experts in accounting but also in strategic financial management and planning. Their expertise can be invaluable, especially when dealing with complex tax issues or detailed financial records.
Why Credentials Matter
Credentials serve several important purposes in the financial coaching field:
- Expertise: They assure you that the coach has undergone a rigorous process of education and examination, ensuring they have a comprehensive understanding of financial principles.
- Ethical Standards: Most certifications require adherence to a code of ethics, which helps ensure that the coach operates with integrity and transparency.
- Continuing Education: To maintain their certifications, financial professionals must complete continuing education courses, keeping them up-to-date with the latest financial laws, tools, and strategies.
Verifying Credentials
Before you commit to working with a financial coach, take the following steps to verify their credentials:
1. Ask for Proof: Don’t hesitate to ask potential coaches for proof of their certifications. Any reputable financial professional will be happy to share this information with you.
2. Check with the Issuing Organization: You can check the validity of certifications by contacting the issuing organizations directly or checking their websites. For example, the CFP Board has a public directory where you can verify the certification status of CFP professionals.
3. Look for Reviews or Testimonials: Often, feedback from previous clients can provide insight into a coach’s practices and effectiveness. This can also be a good indicator of whether their credentials have translated into actual skill and success in advising clients.
Selecting a financial coach with the right qualifications and credentials is crucial for ensuring that you receive knowledgeable, ethical, and effective guidance. This foundation supports a productive and trusting relationship, helping you achieve your financial goals with confidence.
When it comes to choosing a financial coach, their experience can be just as crucial as their qualifications. An experienced coach brings a depth of knowledge and a proven track record that can significantly enhance the quality of advice and support they provide.
Evaluating a Financial Coach's Experience
The experience of a financial coach can often give you insights into their capability and adaptability in various financial situations. Here are key aspects to consider when assessing a coach's experience:
- Years in Practice: Generally, a longer tenure in financial coaching or related fields suggests a wealth of experience and a thorough understanding of personal finance management. Experienced coaches are likely to have dealt with a wide array of financial scenarios and can draw on this background to offer practical advice.
- Client Success Stories: Ask potential coaches about their past clients and successes. Experienced coaches should be able to share stories (without violating client confidentiality) that demonstrate how they've helped individuals overcome financial challenges similar to yours.
- Specialization Areas: Some financial coaches specialize in certain areas, such as debt reduction, retirement planning, or financial coaching for entrepreneurs. If a coach’s area of expertise aligns with your specific financial goals, their experience can be particularly valuable.
- Crisis Management: Financial crises, whether personal or market-driven, test a coach’s skills and adaptability. Inquire about times they’ve guided clients through economic downturns or personal financial crises and the strategies they employed.
The Importance of Relevant Experience
Relevant experience ensures that a coach is not only familiar with general financial principles but also understands the specific challenges and opportunities you may face. For instance:
- Navigating Life Changes: An experienced coach can help manage finances through significant life events such as marriage, the birth of a child, career changes, or retirement.
- Industry-Specific Financial Advice: For professionals in fields with complex financial considerations (like healthcare, real estate, or technology), a coach with experience in these areas can offer tailored advice that less experienced coaches might not provide.
- Geographical Relevance: A coach with experience in your local area or country can be crucial, especially when dealing with regional financial laws and economic conditions.
How to Verify Experience
- References and Testimonials: Request references or testimonials from past clients. Speaking with former clients can provide a clearer picture of what to expect and how the coach has helped others with similar financial goals.
- Consultation Sessions: Initial consultations can offer insights into a coach’s approach and expertise. Use these sessions to ask detailed questions about their experiences and how they relate to your financial needs.
- Professional Networks: Check if the coach is recommended or recognized by professional organizations or networks. Such endorsements can attest to their standing and experience in the field.
Choosing a financial coach with the right experience ensures that you have a knowledgeable ally who can provide expert guidance tailored to your specific financial situation and goals. Their past successes and experiences can be a strong indicator of what you can expect as you work towards achieving your own financial objectives.
When selecting a financial coach, it's crucial to examine the range of services they offer.
A comprehensive service offering ensures that all aspects of your financial life are considered, providing a holistic approach to your financial health.
Types of Services Offered by Financial Coaches
Financial coaches often provide a broad spectrum of services, tailored to different stages of financial health and various personal goals. Understanding these services can help you choose a coach who aligns with your specific needs.
- Investment Management: Some financial coaches offer guidance on how to manage, diversify, and optimize your investment portfolio to align with your long-term financial goals.
- Financial Planning: This service includes creating detailed plans for saving, investing, and spending. Financial planning also covers setting up an emergency fund, planning for major purchases, and preparing for retirement.
- Tax Planning: Effective tax planning strategies can help minimize your tax liabilities and maximize compliance, crucial for optimizing your financial resources.
- Estate Planning: For those concerned with legacy planning, some coaches assist with the complexities of estate planning, ensuring that your assets are distributed according to your wishes and are tax-efficient.
- Retirement Planning: Specialized retirement planning services focus on building a sufficient retirement fund and planning for a financially secure retirement, considering factors like Social Security, pensions, and personal savings.
- Debt Reduction and Management: Coaches can provide strategies to manage and reduce debt efficiently, which is vital for improving financial health and freeing up resources for other financial goals.
- Education Funding: If you have children, planning for their education expenses is critical. Financial coaches can help set up and manage savings plans like 529 plans or education IRAs.
The Importance of a Matched Service Offering
Not every financial coach will be a perfect fit for all clients. The key is to find a coach whose services match your immediate and future financial needs. Consider the following:
- Current Financial Situation: Assess your current financial situation and determine which services you most need. If debt management is a priority, seek a coach with a strong track record in that area. If you are nearing retirement, look for someone with expertise in retirement planning.
- Future Financial Goals: Think about your long-term financial goals. If you aim to build substantial wealth or plan for generational wealth transfer, ensure your coach has the necessary skills in investment management and estate planning.
- Holistic Approach: Preferably, your financial coach should take a holistic approach to your finances, integrating various aspects of financial management to create a comprehensive financial plan that grows with you.
Evaluating Service Offerings
- Consultations: Use initial consultation sessions to discuss in detail the coach’s offerings. Make sure they can provide clear explanations of how their services can benefit your specific financial situation.
- Service Agreements: Before committing, review any service agreements or contracts. Ensure that the terms clearly define the services provided, the fees involved, and any other obligations.
- Flexibility and Customization: Check if the coach offers flexibility and customization within their services. Your financial needs will evolve, and your coach should be able to adapt their services accordingly.
By carefully evaluating the services offered by a financial coach, you can ensure that you choose a professional who will not only meet your current financial needs but also support your financial growth and adapt to your evolving goals. This strategic approach to selecting a coach will help you build a strong, productive, and enduring financial partnership.
Understanding the fee structure of a financial coach is essential because it not only affects your cost but also reflects the coach's business model and how they prioritize client relationships.
Different fee structures can significantly impact the advice you receive and your overall satisfaction with the financial coaching service.
Common Fee Structures in Financial Coaching
- Hourly Fees: Some financial coaches charge by the hour. This model is straightforward and can be cost-effective if you need occasional guidance rather than ongoing support. It's ideal for specific, short-term issues like budget creation or initial financial planning.
- Flat Fees: A flat fee structure involves a set charge for a defined package of services, such as a financial review or a comprehensive plan that covers multiple areas of your finances. This can be beneficial for projects with a clear scope and timeline.
- Monthly Retainer: Under this model, you pay a monthly fee that covers all consultations and ongoing services. This structure is suitable for ongoing support and regular check-ins, providing a predictable cost and continuous access to your coach.
- Performance-Based Fees: Although less common in financial coaching, some coaches might offer a performance-based fee structure tied to the achievement of specific financial goals, such as debt reduction or reaching a savings target. This model can align the coach's incentives with your financial success but may also introduce more risk for both parties.
Pros and Cons of Each Fee Structure
- Hourly Fees
- Pros: Pay only for the time you use; good for limited or specific advice.
- Cons: Costs can add up if many hours are needed; less suitable for ongoing guidance.
- Flat Fees
- Pros: Easy to budget for; no surprises in terms of cost.
- Cons: May pay for services you don't need; less flexibility to adjust services mid-course.
- Monthly Retainer
- Pros: Continuous access to a coach; fosters a closer, ongoing relationship.
- Cons: Higher overall cost; commitment even if you use fewer services in a given month.
- Performance-Based Fees
- Pros: Aligns your goals with the coach's efforts; motivates both parties.
- Cons: Can be more expensive; potential for conflict of interest.
Choosing the Right Fee Structure
Selecting the appropriate fee structure depends largely on your specific financial needs and the type of relationship you want with your financial coach. Consider the following factors:
- Nature of Your Financial Goals: If your goals are complex and require ongoing adjustments, a monthly retainer might be more beneficial. For one-time projects, an hourly or flat fee could be more appropriate.
- Budget for Coaching: Determine how much you are willing to invest in financial coaching. Ensure the cost aligns with the potential benefits, such as improved financial health or achieving specific financial milestones.
- Desired Level of Engagement: Consider how often you wish to interact with your coach. Frequent, regular interactions might warrant a retainer fee, whereas less frequent check-ins could be better served by an hourly rate.
- Assess Transparency and Alignment: It's crucial that the fee structure is transparent and that the incentives of your financial coach align with your best interests. Ensure there are no hidden fees or unclear terms that could affect your financial planning.
By understanding and carefully choosing a fee structure that fits your financial situation and goals, you ensure that the financial coaching relationship is built on a clear, mutually beneficial basis. This clarity helps prevent conflicts of interest and promotes a successful partnership focused on achieving your financial objectives.
Choosing a financial coach involves more than just evaluating qualifications and services; the personal fit between you and your coach is crucial.
This relationship is often intimate and long-term, involving frequent discussions about your personal finances, goals, and challenges.
A coach who understands you well and whom you trust can significantly impact your ability to achieve your financial objectives effectively.
Factors Influencing Personal Fit
- Communication Style: Effective communication is key in any coaching relationship. Your coach should be able to explain complex financial concepts in a way that you understand and resonate with. Whether you prefer detailed explanations or high-level overviews, the coach's communication style should align with your preferences.
- Values and Philosophy: The coach’s financial values and philosophy should match your own. If you're a conservative investor, for instance, a coach who prefers aggressive investment strategies may not be the best fit for you. Compatibility in this area ensures that the advice you receive aligns with your comfort levels and expectations.
- Trust and Comfort: You need to feel comfortable sharing personal and financial details with your coach. Trust, built on transparency and integrity, is fundamental. Without it, it can be challenging to take the advice given seriously or share the necessary details for accurate guidance.
- Empathy and Understanding: A good financial coach should be empathetic and attentive to your specific needs. They should recognize and respect your financial concerns and aspirations, providing support and encouragement tailored to your unique situation.
Evaluating Personal Fit
- Initial Consultations: Use initial meetings to assess how well you connect with the coach. Are they attentive to your questions? Do they seem genuinely interested in helping you achieve your goals? These sessions are invaluable for gauging compatibility.
- Referrals and Testimonials: Speak to current or past clients if possible. They can offer insights into the coach's working style, effectiveness, and the nature of their interactions with clients.
- Observe Their Responsiveness: Throughout your initial interactions, note how responsive the coach is to your communications. Timeliness and attentiveness in their responses can indicate how they will handle your ongoing coaching needs.
- Comfort Level During Discussions: Pay attention to how you feel during discussions. Are you at ease? Do you feel understood and supported? Your comfort level during these interactions is a good indicator of the potential success of the relationship.
The Impact of a Good Fit
A good personal fit can enhance the effectiveness of the coaching process. When there's mutual respect and understanding, you’re more likely to be open about your financial issues, adhere to the advice given, and feel motivated to follow through on your financial plans. Conversely, a poor fit may lead to misunderstandings, frustration, and a lack of progress towards your financial goals.
While the professional qualifications and experience of a financial coach are undoubtedly important, the personal chemistry between you and your coach plays a critical role in the success of your financial coaching. Ensuring a good personal fit not only promotes a more enjoyable and comfortable relationship but also helps in achieving more effective and personalized financial outcomes.
Finding the right financial coach involves a thoughtful process of evaluating potential candidates based on their expertise, experience, services, and personal compatibility.
Here’s a step-by-step guide to help you navigate the process of selecting a financial coach who meets your needs and expectations.
Step 1: Define Your Financial Goals
Before you start looking for a financial coach, clearly define what you hope to achieve through financial coaching. Are you looking to get out of debt, save for a home, plan for retirement, or improve your overall financial literacy? Understanding your objectives will help you identify a coach who specializes in the areas you need assistance with.
Step 2: Research Potential Coaches
Start by gathering a list of potential coaches. You can use various sources for your search:
- Referrals: Ask friends, family, or colleagues for recommendations, especially those who have had positive experiences with financial coaches.
- Professional Associations: Check with organizations like the Financial Planning Association (FPA) or the National Association of Personal Financial Advisors (NAPFA). These groups often have directories of certified professionals.
- Online Reviews and Testimonials: Websites and social media can provide insights through reviews and testimonials from previous clients.
Step 3: Evaluate Credentials and Experience
Review the credentials and experience of each coach on your list. Verify their certifications, such as CFP or AFC, and look into their professional background and areas of expertise. Ensure that they have a solid track record and sufficient experience in the financial areas most relevant to your goals.
Step 4: Conduct Initial Consultations
Arrange meetings with your top choices. Many financial coaches offer a free initial consultation, which can be a valuable opportunity to assess their compatibility with your financial needs and personal style.
During these consultations, consider the following:
- Ask Specific Questions: Inquire about their approach to financial coaching, their typical client engagements, and examples of how they have helped clients in situations similar to yours.
- Discuss Their Fee Structure: Make sure you understand how they charge for their services and what you can expect in terms of costs.
- Gauge Their Communication Style: Communication is crucial in a coaching relationship. Evaluate how clearly they explain concepts and whether their style matches your preferences.
Step 5: Assess Personal Fit
Reflect on your interactions with each coach. Who did you feel most comfortable with? Who seemed to understand your needs best? Personal fit is essential as you will be working closely with this person on personal financial matters.
Step 6: Check References
If possible, ask for references from each coach. Speaking to current or former clients can provide additional context on the coach’s effectiveness, reliability, and client service.
Step 7: Make Your Decision
After completing your evaluations and consultations, decide which coach best meets your needs. Consider all factors: expertise, experience, services offered, fee structure, and personal fit.
Step 8: Establish Clear Expectations
Once you select a coach, clearly outline your goals and expectations before beginning your sessions. Establishing clear communication and mutual understanding from the start will help maximize the benefit of your financial coaching relationship.
By following these steps, you can increase your chances of finding a financial coach who not only meets your financial requirements but also meshes well with your personal preferences, ensuring a fruitful and effective partnership.
Section 9: Red Flags to Avoid
When selecting a financial coach, it's just as important to know what to avoid as it is to know what to look for.
Being aware of certain red flags can save you from a potentially unproductive or even harmful financial coaching relationship.
Here’s a guide to some of the key warning signs that suggest a financial coach might not be the right choice.
Lack of Proper Credentials
Credentials are a basic indicator of a coach’s education and commitment to their profession. Be wary of financial coaches who:
- Cannot Provide Proof of Credentials: A reputable coach should readily provide evidence of their certifications.
- Have Outdated or Irrelevant Qualifications: Ensure their credentials are current and relevant to the area of financial management you need help with.
Unclear or Unfair Fee Structures
Transparent and fair fee structures are critical in any financial advisory relationship. Watch out for:
- Hidden Fees: Coaches should be upfront about all costs. Avoid coaches who have hidden fees or who are not clear about what their services will cost you.
- High-Pressure Sales Tactics: Be cautious of coaches who push products or services on you from the outset, which may indicate that they benefit from commissions rather than prioritizing your best interests.
Overpromising Results
While financial coaches can help you achieve your financial goals, be skeptical of anyone who guarantees specific financial results or overpromises what they can deliver. Financial markets and personal circumstances can be unpredictable, and no honest coach can guarantee certain outcomes.
Poor Communication
Effective communication is foundational to any coaching relationship. Consider it a red flag if a coach:
- Fails to Listen or Understand Your Needs: A coach should tailor their advice to your personal financial situation. Avoid coaches who offer generic advice that doesn’t consider your unique circumstances.
- Is Inconsistent in Communication: If a coach is not regularly responsive or neglects to follow up on scheduled appointments, it may indicate a lack of professionalism or dedication to your financial success.
Lack of Personalized Attention
Your financial situation and goals are unique, and your coach should treat them as such. Be cautious of coaches who:
- Use a One-Size-Fits-All Approach: Avoid coaches who apply the same strategies and advice to all clients without considering individual differences.
- Do Not Offer Customized Planning: Your coach should be willing to develop a plan that addresses your specific goals and needs.
Ethical Concerns
The integrity of your financial coach is non-negotiable. Red flags include:
- Conflicts of Interest: Ensure the coach has a fiduciary duty to act in your best interests, free from conflicting incentives.
- Lack of Transparency: Transparency in all aspects of the coaching relationship, from fees to financial strategies, is essential. A lack of openness can be a sign of deeper issues.
By being aware of these red flags, you can more effectively assess potential financial coaches and avoid those who might not serve your best interests. This vigilance will help ensure that you establish a productive, trustworthy, and supportive coaching relationship.
Choosing the right financial coach is a crucial decision that can significantly impact your financial well-being and future success.
By carefully considering a coach’s qualifications, experience, service offerings, fee structure, and personal fit, you can make an informed choice that aligns with your financial goals and personal values.
Throughout this process, it's important to stay vigilant and mindful of red flags such as unclear credentials, vague fee structures, and a lack of personalized service. Remember, a good financial coach not only provides expert advice but also fosters a trusting relationship where your financial goals are prioritized.
As you embark on this journey to find the right financial coach, use the outlined steps as a guide to thoroughly evaluate each candidate. Consider what each coach can offer in terms of guiding you towards financial independence and security.
The right coach will be a partner who not only understands your financial situation but also motivates and educates you to better manage your finances, pushing you towards your financial goals.
Ultimately, the effort you put into selecting the right financial coach will pay dividends in achieving your financial aspirations and securing a prosperous financial future. Remember, the goal of financial coaching is not just to improve your immediate financial situation but to equip you with the skills and knowledge for lifelong financial success.
Feel like money slips through your fingers? Learn how to hold on and multiply it—join our crash course!
Date: Monday | Time: 6 pm EST
Tye Aarons
Wednesday, May 01, 2024
Feel like money slips through your fingers? Learn how to hold on and multiply it—join our crash course!
Date: Monday | Time: 6 pm EST