A lack of understanding about the world of money and finances makes so many people feel confused, disempowered, and frozen when it comes to how to manage their own money. They feel lost, stuck, unable to see a path forward...
LET ME GUIDE YOU.
In early 2020 I was totally lost. I was a mid career professional making the best money of my life at a well recognized global brand, living paycheque to paycheque, feeling resentful of rich people and the ‘system’, almost 7 years behind in my taxes, and in a cycle of consumer debt that I would accumulate and then pay off with small wind falls like bonuses or cash gifts. As if that weren’t enough I was officially ‘mid life’ and had no idea how to manage my ‘retirement’ savings, what I would need to get there and what was between me and that point. I felt helpless and fearful. I was ‘at the effect’ of the financial system and in total victim mode when it came to my finances. My MO was: If I didn’t look, I wouldn’t see how bad it was, and that ‘somehow’ it would all work out.
Well that ‘somehow’ was me. I decided to invest in myself and my relationship with money and in 3 short months I was transformed. I was feeling empowered, knowledgeable, CLEAR on where I was going, and I was assisting in the money program I had just completed. In 10 months, the course had paid for itself with as I had diverted the cost of the course into my savings. That was the monetary benefit. The 'priceless' benefits were that I was caught up on my taxes (stress and shame GONE), doubled the amount I was investing to secure my future, tripled my charitable contributions, was living comfortably within my means with money available for my life in the year ahead, and found my calling.
In just a few short months you CAN feel smart, empowered, and in control of your finances. I’ll be taking you through all the personal finance basics that move the marker the most when it comes to personal finance. I’ll teach you the system, the lingo, the pitfalls, the loopholes, and will help you rebuild your personal finances from the ground up with a system that you can use and adapt for life. I’ll help you navigate the different professionals you need to access and have on your side. You’ll understand the language of money to have confident conversations with the financial institutions and professionals you work with. You’ll be tending to your money and income differently, funding all the areas of your current and future life with ease. That feeling of being stuck, lost and confused will lift, and you will clearly see the path forward.
Your money should be an extension of you in the world. A safety net and resource to leverage now and in the future. Not the thing that constrains you and holds you back.
On this transformative journey, you will become powerful in the 'trifecta' of money management. First is literacy or ‘Financial IQ’. Many participants say this is what they should have learned in high school. The words, the concepts, how the systems work, the acronyms (SOOOO MANY ACRONYMS) AND things the banks and Wall Street fat cats would rather you didn't know. Because knowledge is power.
Second is ‘Financial EQ’. This is looking in the mirror to understand what has brought you to this point. Your beliefs and emotions about money; your habits and patterns with money and the world of finance. What created them, why they have a hold on you, and how to move past them. We let go of shame and shift into success and freedom.
And finally you’re going to build a new financial system for yourself from the ground up to restructure how money flows into, hangs around if you need it to, and flow out in ways that are sustainable and aligned with your values. This is a system you will take with you and work with for life.
These 3 foundational shifts will make you feel confident, in control and clear about your money and finances. Shame becomes success, worry becomes calm, confusion becomes ease.
All classes of Financial EQ and IQ curriculum and all the updates and Bonus'. Forever.
A robust interactive system to track and plan all aspects of your finances for the rest of your life.
I will review your numbers and ensure you are clear and set you up for success.
A place for us to share wins, ask questions, get support and realize that we're not alone.
If you're doing 1:1 coaching you'll have 5 additional calls with me as you work through the curriculum.
EQ - Your Nervous System & Money
IQ - Your Financial Institution
EQ - Financial Objectives and Goals.
IQ - History of Money
EQ - Your Money Archetype
IQ - Credit Scores
EQ - What Money Means to You
IQ - The Industry of Debt
EQ - Science of Spending
IQ - Taxes
EQ - Influence of the Culturespace
IQ - The Financial Advice Industry
All About Investing
Robo Advisors
EQ - Money Boundaries
IQ - Retirement Planning
EQ - Money Disorders
IQ - Protection Plan
Here is what our clients have to say.
"Sarah’s approach is truly unique. She assists with your finances not only from a structural and mathematical standpoint but also supports you on an energetic level."
"Sarah has been incredibly supportive and my biggest cheerleader throughout this process, providing invaluable tools that have helped me manage my finances and elevate them to the next level."
"I genuinely feel that magic happens when you work with Sarah. She empowers you to take control of your finances while offering profound support as you delve into understanding and becoming intimately acquainted with your financial situation."
As you will learn, investing in your development is one of the best investments you can make. And yes, this program about money costs money!
If you’re thinking ‘I’m not sure how I can pay for this program’ then this program is probably for you. Where will you be in 3 months without this program vs with this program. When I started my journey with money and finances, there was so much I didn’t know that I didn’t know. Those were the things that brought so much value as well as the personal work to change my behaviours and habits. My Return on Investment (ROI) was 10 months. I was basically able to ‘find’ money because of how I started to manage my money better and divert hundreds of more dollars a month to my investments so that after 10 months the course had paid for itself.
Next cohort starts April 22nd, 2025
A program done in community to fast-track your transformation.
This option is ideal if you do best with structure and accountability, and have the time to put in over 3 months.
4 Payments of $259
**Must have a CAD billing address or postal code**
Born into a farming family in Southern Ontario, I’m a former wilderness guide, turned PMP Project Manager, turned Money Coach and Financial Counsellor. I love pups, all things hygge, waking up in a tent (or a cozy cabin), getting dirt under my nails in a garden, and I am rarely without a hot drink.
I’m driven by my values of transformation, equity, efficacy, curiosity, and connection with self, others and the natural world.
It is my mission to help people create a healthy empowered relationship with their money. To see the system for what it is so they are not 'at the effect' of it, and to help redirect the 85% of the ‘little people’ money that is in the market so it aligns with the values of my clients and change the freakin’ world. Our ignorance keeps power in the wrong places. Learning about the financial system and how to work ‘with it’ to build your wealth and increase your resources and capacity in the world is my act of protest against it. I call this 'Sacred Wealth' and I believe it can change EVERYTHING.
Let me show you how.
© 2024 Sarah Penfold. All rights reserved.