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What Is a Financial Coach & Do You Need One?

Still feeling behind with money no matter how hard you work? Here's what a financial coach actually does, and step-by-step guide to deciding if you should start working with one.
money moves

Most of us were never taught how to manage money. Not really. We figured it out as we went, picked up habits from our parents (good and bad), and somewhere along the way developed a relationship with money that we didn't entirely choose.

For a lot of women, that relationship is complicated. Anxious. Avoidant. Or just frustrating. They're earning well, working hard, and still feeling like something isn't adding up.

A financial coach (sometimes called a money coach) is not a financial advisor. And understanding the difference is the first step to knowing whether you need one. Financial coaching for women is one of the fastest growing areas of the coaching industry, and it's not hard to understand why.

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Financial coach vs financial advisor: what's the difference?

A financial advisor manages your money. They help you make specific investment decisions, structure your retirement contributions, and minimise tax. They work with your actual assets and are regulated to do so.

A money (financial) coach works on your relationship with...well, money. Your patterns, your blocks, your beliefs, your goals. The psychology and behaviour layer that sits underneath the practical decisions.

Most people who struggle with money don't need more information. They need help understanding why they do what they do with money, and what would need to shift for them to feel genuinely in control.

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"A financial advisor manages your money. A financial coach helps you understand your relationship with it. You might need both."

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Signs you might benefit from working with a money coach

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1. You feel anxious or avoidant around money.

So much so, that it stops you from making standard day to day purchases.

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2. You know you should look at your finances, but keep putting it off.

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3. You earn a reasonable income but still feel behind.

The numbers coming in don't match how financially secure you feel, and you're not entirely sure how it happened.

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4. You've tried all the tools and none of them stuck.

Budgeting apps, spreadsheets, the envelope method. You start strong and fall off.

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5. You know what you're supposed to do but can't seem to actually do it.

You've read the books. You know you should be investing. You know you should have an emergency fund. And yet, you struggle to put the plan into action. Money coaches help you dig into what might be blocking you.

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6. Your relationship with money feels tied to something deeper inside.

Self-worth. Security. The way money was talked about (or wasn't) when you were growing up. These things shape how we earn, spend, save, and ask for more.

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7. You're working toward financial independence but the path isn't clear.

You want to build real wealth. You want to feel financially free. A financial coach helps you make the abstract concrete, building a path that's specific to your situation and your actual values rather than someone else's template.

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8. You feel like you should have more to show for what you earn.

You've been earning well for a few years. You've worked hard. And yet, your savings, investments, or net worth doesn't match what you thought you'd have by now. A money coach will look at your situation without judgement and help you create a plan you feel good about.

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What financial coaching actually looks like

Most financial coaches work in sessions: weekly, bi-weekly, or as a one-off depending on what you need. You'll typically start by getting clear on where you are now, what your goals are, and what's been getting in the way.

From there, sessions are a mix of practical planning and working through the mindset piece - because the two can't really be separated. A good financial coach doesn't tell you what to do. They help you figure out what you actually want, and build a clear path to get there.

At Revie, financial coaches work across the full range: money mindset, financial independence, overcoming financial anxiety, building wealth, and navigating money in relationships. They've worked through their own complicated money stories, which means they understand yours.

One session won't fix everything. But it will give you clarity on what's actually going on, what's getting in the way, and what your next real step looks like.

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You don't need to have it together before you start

The women who most need a financial coach are often the ones who feel most embarrassed to book one. Your coach has heard it all. There's no version of your financial situation that's surprising or shameful. That's exactly what the session is for.

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Regan Oelze
she/her
Career & Empowerment Coach
Ambivert
Burnout
Chronically III
Work with Regan
Regan Oelze
she/her
Career & Empowerment Coach
Ambivert
Burnout
Chronically III
Work with Regan
Feeling stuck?
Not sure where to start? We’ll show you exactly what kind of support you need, how to get started today, and who can help.
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Meet our other coaches.

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Amanda Goodman
she/her
Personal Growth & Emotional Wellness Coach
Neurodivergent
Introvert
Chronically III
Empath
Samantha Howarth
she/her
Holistic Lifestyle & Identity Coach
Ambivert
Burnout
Chronically III
Empath
Daneeta Shine
she/her
Personal Development Coach
Ambivert
Burnout
Mental Health Cycles
Person of Color
Juliette Perlmutter
she/her
Life, Relationship, & Transition Coach
Ambivert
Single Parent
Mental Health Cycles
Empath
Patrycja Krzesniak
she/her
Change & Crisis Coach
Ex-Corporate
First Generation
Ambivert
Senem Palaz
she/her
Helping You Build Success That Includes You | Identity Coach for Ambitious Women
Parent
Expat / Immigrant
Ex-Corporate
Burnout
Aliza Robinson
she/her
Nervous System & Life Transition Coach
Ambivert
Sigal Bar-Tal
she/her
Menopause Nutrition Coach
Ambivert
Empath
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Krishna Richardson-Daniels
she/her
Women's Transformation & Reinvention Coach
Ambivert
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Person of Color
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Expat / Immigrant
Sigal BarTal
she/her
Menopause Nutrition Coach
Ambivert
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Jodie Lin
she/her
NBHWC Health & Wellness Coach and Nutrition Specialist
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Karen Floyd
she/her
Executive, Leadership, Communication & Life Transitions Coach
Expat / Immigrant
Ambivert
Ex-Corporate
Burnout
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Revie is the first curated personal growth platform for ambitious women who want real support across every area of their life. But it’s more than matchmaking - Revie is changing the way women approach coaching altogether.