About

I was in my small rented office, late on a Friday afternoon. Early in my self-employed career.

Everyone else had already logged off for the weekend. I hadn’t. I was still there, pulling up my bank account, doing the math twice because I didn’t believe it the first time.

I couldn’t cover minimum payments.

Not because I wasn’t working hard. I was working constantly. The money just didn’t show up the way the bills did.

I thought I was doing everything right. And the math still wasn’t mathing.

That moment didn’t send me back to a steady paycheck. There was no steady paycheck to go back to, and honestly, I didn’t want one.

It sent me looking for something nobody was teaching: how to manage money when the money itself doesn’t behave.

So I built it myself. Tested it on my own income, my own slow months, my own version of the car-repair-out-of-nowhere setback. Fixed what didn’t work. Kept what did.

Twenty years later, I’m still self-employed. Still building. And the system I built in that rented office is the reason a slow month is a plan now, not a crisis.

AFC candidate (in progress). Financial Coach Academy graduate. Licensed to use the Plan-Ahead Method.

But the credential that actually matters is the one you can’t put on a certificate: I’ve lived every version of the problem I now help people solve.

Twenty years of studying personal finance, testing it on my own money, adjusting what didn’t work. I went from six figures in debt to a seven-figure net worth, not because I got lucky, but because I finally had a system built for how I actually get paid.

That’s not a brag. That’s proof it works.

Money hits differently when you’re self-employed.

There’s no HR department. No 401(k) you got auto-enrolled in. No paycheck on the 1st and the 15th, same amount, every time, forever.

Most financial advice was written for people with a 9-to-5.

I don’t have one. If you’re here, you probably don’t either.

That’s not a footnote. That’s the entire reason Your Money Project exists. I’m not adapting mainstream advice for people with unpredictable income. I built this specifically for people with unpredictable income, because I am one.

Money isn’t just money.

It’s where you live. Who you marry. Whether you take the job you want or the job that pays. Whether you say yes to the trip, the risk, the leap, or you say no because you can’t afford to find out.

It touches nearly everything.

So when your money is chaos, it’s not just your bank account that feels it. It’s your stress. Your sleep. The tight feeling in your chest every time a bill is due.

And when you have control of it? That’s not just a bigger number in an account.

That’s confidence. Clarity. A plan you actually trust. The quiet version of relief that shows up when you stop bracing for the next bad month.

That’s what I’m actually building with clients. The money system is just how we get there.