You Don’t Have to Do This Alone: How a Financial Coach Helps You See What You Can’t

You Don’t Have to Do This Alone: How a Financial Coach Helps You See What You Can’t

July 21, 20255 min read


Why Didn’t Anyone Teach Us About Money? (And What You Can Try Today)

If you’ve ever searched: “Why can’t I stick to a budget?” or “How do I get help with money?”

This ones for you.


Maybe you’ve read the books, listened to the podcasts, or downloaded that budgeting app everyone swears by… but no matter how much you try, you still feel stuck in the same financial stress loop.

If so, you’re not alone. 

The truth is, when it comes to money, many of us are just too close to see clearly. Our habits, our emotions, our upbringing, they shape the way we spend, save, and avoid. And when you're carrying all of that silently, it's no wonder progress feels out of reach. 

Jeremy and Christi Nicolet, money coach, holding hands working through financial stress

That’s exactly where my husband Jeremy and I found ourselves. 

And that’s where everything began to shift.


3 Real Life Steps to Stop Stressing About Money Guide

Don’t wait another month to feel peace with your finances. Grab my free guide 3 Real-Life Steps to Stop Stressing About Money and start today.


Why Budgeting Alone Often Isn’t Enough

We weren’t reckless. We weren’t ignoring our finances. We were trying. 

We had started our marriage with zero debt and a real desire to steward our money well.

Jeremy and Christi Nicolet working through money stress

But as life happened, 2008 market crash, job loss, growing a family on a

single income, and inconsistent pay, we started to rely on credit cards to fill the gaps. 

Little by little, the stress grew… and so did the shame. 


We had read books, watched videos, and even completed Financial Peace University, but without personalized financial coaching, it still felt like guesswork. We were still carrying the financial mindsets and patterns we had both grown up with, most of which were unspoken, but deeply ingrained.


 

A photo symbolizing the struggle of going through the emotional swings of money

And in our marriage?

We kept bumping into the same emotional cycles: One of us would stress, the other would shut down, and eventually, we'd both give up, until the next crisis pushed us to try again. Emotionally, I was swinging from “Life is short, let’s enjoy it!” to “We can’t spend anything, or we’ll never get ahead.” 


We were stuck in survival mode, and we couldn’t see a way out.
Jeremy and I are both hard workers, but we couldn’t outwork unclear habits and misaligned priorities.

We felt alone, like no one else around us struggled like this.

When my neighbor mentioned that she and her husband had started working with a financial coach, I felt something I hadn’t felt in a long time: hope


How a Financial Coach Helps You See What You Can’t

Jeremy and Christi Nicolet, money coach, finally feeling less stressed about money

Hiring a financial coach felt vulnerable. We didn’t know if we needed a money

coach or just more self-discipline, but we knew what we were doing wasn’t working.

What we found in that coaching relationship wasn’t just budgeting help;

It was clarity. Structure. Accountability.

Peace.

Having someone objective in our corner helped us: 

Sort through the emotional baggage we didn’t even know we had 

Communicate about money in ways that didn’t end in tension 

Build real systems that supported our family’s values & long-term goals 

➝ And most of all, we stopped trying to figure it all out alone



Christi Nicolet, money coach with Prosperous Nest smiling and looking at her computer, taking action to improve money stress

What a Financial Coach Actually Helps With

You don’t have to be “bad with money” to need help. 

Sometimes, you just need a safe, structured space, a place where you can:
 

Talk through what’s really going on 

Learn tools that actually fit your life 

Break free from the emotional spiral of shame, fear, or confusion 

A financial coach brings: 

Perspective you can’t get on your own 

Support that’s not tangled in your emotions 

Systems that are built around your unique life and values 

Progress doesn’t always come from trying harder. 

Sometimes, it comes from inviting someone else to walk with you.

How Financial Coaching Gives You Personal Support

If any part of our story feels familiar, and if you’ve ever wondered, “Why is this still so hard?”

I want you to hear this clearly:

You’re not lazy, you’re not uncaring and you’re definitely not alone.  

Getting support doesn’t mean you’re failing, it means you’re ready for change. 

Whether you're navigating finances solo or with your spouse, having someone in your corner can make all the difference.



Resources

Before you close this tab and go back to your day, take a moment to grab something that can actually help you move forward.

  • Free Guide: Start with 3 Real-Life Steps to Stop Stressing About Money. It’s simple, practical, and will give you easy wins you can try right away.

  • 📖 Book I Recommend: The Psychology of Money by Morgan Housel, a powerful reminder that managing money well isn’t just about numbers, it’s about how we think and behave with it.
    *As an Amazon Associate, I may earn a small commission from qualifying purchases, at no extra cost to you.

  • 🤝 Want a guide in your corner? If you’re ready to go deeper, start by visiting my Work With Me page. You’ll see how coaching can bring clarity and peace to your finances, and when you’re ready, you can book a free 20-minute Q&A call to explore if it’s the right next step for you.

Christi Nicolet money coach for Prosperous Nest ready to help you bring clarity to your money

You don’t have to figure this out alone. The tools are here, and I’d love to help you use them with hope and purpose.



Footnotes

Note: Some of the links I share may be affiliate links. That just means if you decide to purchase, I may earn a small commission, at no extra cost to you. I only recommend resources I truly believe will add value to your financial journey.

Christi Nicolet is a financial coach and founder of Prosperous Nest, where she helps individuals and families reduce money stress and build values-based financial systems. Her coaching combines practical tools with hope-filled guidance so clients can align their finances with the life they’re called to live. When she’s not coaching, Christi enjoys backyard fires, good food, and time with her favorite people.

Christi Nicolet

Christi Nicolet is a financial coach and founder of Prosperous Nest, where she helps individuals and families reduce money stress and build values-based financial systems. Her coaching combines practical tools with hope-filled guidance so clients can align their finances with the life they’re called to live. When she’s not coaching, Christi enjoys backyard fires, good food, and time with her favorite people.

LinkedIn logo icon
Back to Blog

3 Real-Life Steps to Stop Stressing

About Money

This free guide gives you 3 Real-Life Steps to Stop Stressing About Money, simple actions that bring:


Clarity → Know exactly where your money is going
Direction → Give every paycheck a job so there are no surprises
Freedom → Simplify your system so money stress finally fades

You don’t have to figure it all out at once. Start here, and take your first step toward peace with money, and the confidence to know your family’s future is supported.

COPYRIGHT © 2026 · YOUR BUSINESS NAME | PRIVACY POLICY | TERMS & CONDITIONS