Have no fear, your money
coach is here.

Get ready to build healthy habits and a strong
foundation for your money and your life.

Let’s make sense of your cents.

Connection Box: Let's Chat
  • About You

If we step into financial coaching together, this is a
partnership. You are investing in something that will
change the rest of your life for the better.

Let’s see if financial coaching is right for you

  • You are ready to lead a debt free life.
  • You have near and far goals. Maybe not written down, but they are brewing in your mind.
  • You have an awareness of where you are and where you want to be.
  • You know that it is hard to make a change but it is also hard to stick with the same thing you are doing each day.
  • You are a dreamer.
  • You are looking for an accountability partner to help you get there.
  • You are unsure where to begin when it comes to aligning your finances with your dreams and goals.
  • You are ready to take action.
  • HOW IT WORKS

A simple, supportive approach
to money

We connect.

We talk through where you are, what’s working, and what feels overwhelming.

We create a plan.

Together, we build a realistic roadmap tailored to your life not a one-size-fits-all budget.

We build habits.

Through accountability and ongoing support, you gain confidence and consistency.

Meet Your Coach

Hi, I’m Coach Caroline

A child of God, former Division I cross country & track athlete, Shark Tank fan, marketing enthusiast, and encourager by nature.

My passion is helping you build a healthy financial foundation so you can live with clarity, confidence, and joy.

After college, I realized young adulthood comes with a lot of decisions where to live, how to budget, what to prioritize, and how to make it all work. Many around me were struggling too.

In Fall 2025, I completed Ramsey Financial Peace University and became a Ramsey Certified Financial Coach, driven by a desire to help others say goodbye to debt and hello to freedom.

Learn More

Our Mission

Young adulthood is full of big decisions where you live, how you earn, and how you begin building your future.

At Cents with Caroline, I come alongside you to help you build healthy money habits and move toward your definition of personal success. By understanding your current behaviors, you gain clarity, confidence, and a stronger foundation for what’s ahead.

Today is a great day to begin.

Why This Matters:
  • 80% of personal finance is behavior
  • 78% of Americans live paycheck to paycheck
  • 42.5 million Americans carry student loan debt

You’re not behind you’re right on time.

Connection Box: Let's Chat

Coaching Plans

3-Month Coaching Package

Sharpening Your Pencil

Perfect if you’re just getting started and want clarity, structure, and momentum.

  • Personalized financial plan
  • Habit-building guidance
  • One-on-one coaching sessions
  • Ongoing support between sessions

6-Month Coaching Package

Putting Pencil to Paper

For those ready to implement lasting change and build real confidence.

  • Everything in the 3-month package
  • Deeper habit reinforcement
  • More accountability and support
  • Space to adjust as life changes

12-Month Coaching Package

Accountability Package

For long-term transformation and sustained financial growth.

  • Full-year coaching partnership
  • Continuous accountability
  • Evolving financial strategies
  • Confidence that lasts beyond coaching
Let’s Chat About the Right Plan
  • What Our Clients Say

Testimonials

Guiding Young Adults Toward
Financial Confidence

“Well done, my good and faithful servant. You have been faithful in handling this small amount, so now I will give you many more responsibilities. Let’s celebrate together!”
— Matthew
— MatthewFormer Coaching Client