Individual
Money
Coaching
A MONEY LEARNING/UNLEARNING EXPERIENCE FOR PEOPLE WHO ARE ASHAMED OF THEIR FINANCES AND ARE READY TO DO MONEY DIFFERENTLY
You’ve probably heard “just make a budget” a hundred times, but if it were that simple, you wouldn’t be here.
THIS WORK IS DEEP, EMOTIONAL,
AND SOMETIMES MESSY.
This isn't about spreadsheets or willpower. In this 6-month 1:1 money coaching program, we'll rebuild your relationship with money from the inside out, drawing on parts work, art therapy, grounded personal finance education, and transformational, change-based coaching approach.
IT’S TIME FOR
AN EXPERT GUIDE WHO WON'T FLINCH.
“I knew deep down I couldn’t quite figure out this whole money thing on my own. Rachel’s soft & welcoming presence is like the care I always wanted from my parents — you can feel she genuinely cares. I felt so safe in our 1-1 chats & in this community."
- Maddie
LET ME KNOW IF ONE OF THESE SOUND FAMILIAR…
You blacked out in the candle aisle again. The packages keep arriving at the door. The dopamine high from buying stuff is REAL — until the dread kicks in.
Your impulse spending feels like a dirty secret you can’t confess, even to your therapist.
You’ve tried to “get it together” so. many. times.
Downloaded apps, bought spreadsheets, challenged yourself to a “No Spend Month”… but nothing survives longer than a week.
Maybe you inherited money and feel frozen — like you should know what to do with it, but don’t. And you’re ashamed to even say that out loud.
Your partner, parent, or friend has gently (or not-so-gently) called you in on your spending habits.
You know how to earn… but what comes after the paycheck feels like a blur.
And the debt? It looms. Student loans, credit cards, maybe a car loan. It sits on you like a heavy, invisible backpack you carry everywhere.
And most of all, you’re exhausted from doing this alone, like trying to read a map in the dark, with shame breathing down your neck.
YOU CAN STILL BE YOU
And be good with money.
You can be good with money and not “stick to a budget”
You can be someone who buys fun things and someone who pays off debt.
You can be someone who inherited wealth and someone who can be okay about it.
You can be worried about money and learn to feel steady with it.
You are worthy of support — and it’s okay to get help.
Financial education that gets to the root of your money avoidance
This private money coaching program is where you and I can slow the money chaos wayyyy down. We'll look at the real stuff underneath your stress — the stories, the patterns, the "ugh, why am I like this?" moments — and rebuild a relationship with money that feels steady, supportive, and actually sustainable.
I am a Certified Financial Therapist™ and Registered Art Therapist®. My approach to money coaching is trauma-informed, draws from parts work and creative expression, my love of a good spreadsheet, and is built with neurodivergent brains in mind. That means flexible structure, visual tools, and zero shame.
I also take social context seriously, because your money habits aren't just about willpower or spreadsheets. Together, we'll build tools that work and help you become better friends with your money.
I've supported many people not just in getting better with money, but in feeling more steady around it.
“When I began working with Rachel, I was at a rock-bottom financially, I felt hopeless. She made me feel so seen and supported me every step of the way.
I wouldn’t have been able to heal my relationship with money without her, I am so so thankful for her.”
-Thea
The Journey:
From Shame to Self-Trust
This is an intensive that honors both your nervous system and the numbers. We’ll move between emotional depth and practical tools in a rhythm that’s bespoke to you.
Because money learning is rarely linear, and it's rarely one-size-fits-all.
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We begin by gently unpacking your lived experiences with money — not just the numbers, but the feelings, beliefs, and family narratives that have shaped your patterns. Through guided writing prompts, expressive art-making, and thoughtful conversation, you’ll start to see the threads behind your current habits.
We honor your story before we try to change the ending.
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Here's where we spend real time meeting the protectors, the avoiders, the inner critics, and the spendy parts — and learn why they're there. Using parts-work-informed coaching and therapeutic inquiry, we get curious (not judgmental) about the parts of you that feel stuck, scared, or chaotic around money.
We don’t fight the blocks. We listen to them.
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With deeper emotional clarity, we begin to gently co-create money rituals and tools that feel possible for your nervous system. This is not one-size-fits-all budgeting. It's a sustainable, emotionally-honoring way of tending to your financial life — your way.
Your financial care plan is built with your humanity in mind.
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We revisit your early goals, reflect on your shifts (emotional and practical), and co-design a plan for staying grounded and resourced with your money. This includes financial practices, emotional support, boundaries, and rituals that extend beyond our time together. I can help you set up a budgeting app that serves as a dashboard for both of us (Monarch Money). If you'd like ongoing support during or after the intensive, you can add on the Money Healing Club membership at $59/month. You'll have a team of cheerleaders, accountability, guides and confidants in the Club if that’s a learning platform that works for you.
This isn’t the end — it’s the start of a new kind of relationship with money.
By the end of our work together, you might:
Set realistic, values-aligned goals
Unhook from your parents’ rules and your partner’s panic
Discover money strengths you didn’t know you had
Feel more in control of where your money is going
Feel more in control of where your money is going
Understand your money patterns without shame
And feel real relief — lighter, less weighed down by years of money dread
Your numbers might not change overnight — but your relationship to them can.
And that changes everything.
Growth and outcomes are individual — this container gives you dedicated support, not a guarantee of a specific outcome.
What’s included:
→ 12 private coaching sessions (60 minutes each) over 6 months
→ Direct support with setting up and using a budgeting app
→ Support between sessions (email check-ins + optional shared doc to track insights), tools, homework, and recommended reading
→ Lifetime access to courses
→ Online sessions (option for in-person sessions in Denver, CO)
Pricing
Pay in Full: $3,500
Payment Plan: 7 monthly payments of $500
(your final payment lands after our last session, covering the integration and support phase)
6 months12 sessionscourseemail access
Are you considering this program for your adult child? Are your parents sponsoring your money coaching? See "Launching, Together" below.
Launching, Together
an add-on for multi-generation money work
When your adult child needs support with money, and you know you're part of the picture too — this add-on is for you. It's designed for families where ongoing financial assistance to adult children is getting in the way of independence, created a pattern of bailouts, or strains the relationship every time money comes up.
In Launching Together, your adult child remains my client. What they share with me one-on-one stays between us, unless they choose to bring it into a joint session with family members. In this program, I work with them in the core intensive, and coordinate 3 additional joint sessions with parent(s) to help both generations build stronger financial boundaries and communication.
Important note: I don't work with couples for financial coaching. The one exception is this parent–adult-child program — and even then, your adult child is always the client; parents join specific sessions in a supporting role, not as coaching clients in their own right.
+$900 for 3 additional parent-inclusive sessions · Total with the intensive: $4,400
“You have been completely instrumental in restructuring my relationship with money and spending and I can't thank you enough.”
-Elena
What does money coaching look like?
You won’t magically change overnight (no one does) — but here’s the version of you who might start to show up by the end of our intensive:
Someone who rarely impulse shops (and recovers gracefully when they do)
Someone who opens their bank account regularly and calmly
Someone who makes financial decisions based on values, not fear
Someone who includes financial well-being in their self-care plan
Someone who trusts themselves to do right by their money
You don’t need a personality transplant.
You don’t need to become a budgeting robot.
You need real resolution — the kind that untangles old shame, quiets the chaos, and has nothing to do with math.
Testimonials reflect individual experiences and are not a guarantee of your results. Transformation and growth are not guaranteed.
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Jean
“After years of having a challenging relationship with money, I finally have the tools to separate my emotional reaction to finances from the reality of my finances... I can now speak about and look at my money without becoming severely dysregulated. Rachel is a wonderful guide in this community and brings warmth and professionalism to a highly charged topic.”
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Haley
“My experience working with Rachel was transformative for my healing with past financial traumas that have led me to having a scarcity mindset with my money. I cannot recommend Rachel and Money Healing Club enough!”
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Josie
“Rachel has a gift when it comes to making anything related to money feel fun, funny, and doable. My favorite thing about working with Rachel is her stance on healing your relationship with money as a form of dismantling systems of oppression.”
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Bonnie
“Rachel is the ultimate cheerleader with the knowledge, experience, and skills that are essential in navigating the learning curves and moments of uncertainty. Her support and belief in me have shaped a belief in myself that I aspire to echo. I'm forever grateful.”
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Quiana
“Rachel Duncan has an extraordinary ability to create a safe container for all members, including myself, to explore our financial behaviors, beliefs, and patterns. Her approach is one of dignity, compassion, and grace, reminding us that our journey toward a healthier relationship with money is as much about self-discovery as it is about financial literacy.”
How to Get Started
Your first step is to apply.
Then, you’ll be invited to book a no-commitment call with me.
I’ll give you excellent referrals if we’re not a fit. Ethics are important!
I keep my 1:1 coaching roster intentionally small so I can bring my full energy (and brain, and heart) to each client.
I’m a deep diver, not a volume shop (hello, Scorpio energy!).
What the 1:1 intensive is not
To keep things clear and ethical, here's what’s not included in the Individual Money Coaching Intensive:
This is not therapy. While I use therapeutic tools, this is a coaching relationship, not clinical.
This is not financial planning. I don’t manage assets or create investment plans.
This is not legal or tax advice. I can help you get organized, but not represent you legally or prepare taxes.
This is not for couples. I work with individuals only. The only exception is the "Launching Together” program where the parent/adult child financial relationship is a root concern. Even then, the Adult child is my client, and we make room for additional sessions with the parent(s).
This is not a crisis support space. If you’re in acute distress, I recommend seeking therapeutic or emergency resources.
My work is designed to support a range of learning and processing styles. If you're neurodivergent or navigating systemic barriers, know that your experience is welcome here.
FAQ
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Nope. While I bring therapeutic tools to our work together, this is a coaching relationship and is open to clients regardless of location. This is not a replacement for mental health treatment, but is a terrific add-on if you're already in therapy.
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I do not work with couples. I work with individuals only. The only exception is the "Launching Together” program where the parent/adult child financial relationship is a root concern. Even then, the adult child is my client, and we make room for additional sessions with the parent(s) to co-create a plan for financial support without enabling, and clearer lines of communication.
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We can reschedule as needed with 48 hours notice. Sessions are flexible within the 6-month container.
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We will co-create your plan because there is no one-size-fits-all. I bring options, insights, safety, and structure. You bring your values, fears, and hopes. Together, we build something that fits you.
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Not at all. We use tools that meet you where you are and I'll teach you any basics that you need. Creativity and curiosity are more important than spreadsheet skills.
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Nope. All the work we do together is based on what you choose to share. You’ll be working from your own private documents and reflections, and I’ll never ask for account access or require you to show me balances. That said, sharing broad strokes information about your income, spending, debt and assets will help to craft your goals. This is a supportive space, not an interrogation. Your money story is yours to reveal at your own pace.
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Most clients roll into the club membership to keep the practice going in community, at a much lower monthly commitment. If you want more direct support than that, reach out and we'll design a maintenance plan together.