You are the “Accountability Advocate.” Sticking to a financial plan is challenging without someone to hold you accountable. Seek a supportive friend, mentor, or financial advisor to keep you on track. With their encouragement and guidance, you can stay focused, overcome obstacles, and achieve your financial goals, leaving behind the stress of inconsistency.
Haven’t taken the Money Stress Test yet? Take the test and get your score here.
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Next Step:
Talk to SOMEONE about your money goals – today. Find someone who is willing to help keep you on course – a friend, a coach, a teacher.
Resources:
- Join a Financial Peace University Class! It’s a 9 week course to learn how to budget, plan for your future, and be outrageously generous. Join my next class here or see all classes here.
- Listen to The Ramsey Show Podcast or watch on YouTube- Stay motivated!
- Talk to a Coach.
Need Help Getting Started?

Hi, I’m Joy, your financial coach! I know what it’s like to feel stressed because of money, to feel trapped in a situation and like you can’t get out. I know what it’s like to feel like everything you try just isn’t working. And I also know what it’s like to live a life of financial freedom. I paid off $106,000 in debt, and I’m never going back! Now it’s your turn; you CAN take ownership of your finances and your family’s future. You can do this; I’ll show you how.