Straight Talk Money™ helps you stop avoiding your financial reality, understand what is actually happening, and make practical decisions with clarity and confidence. Money can carry fear, shame, relationships, identity, and uncertainty about the future. I create a shame-free place to face the numbers honestly and find your next practical step.

Who it is for: women 45+ facing financial decisions tied to separation, divorce, retirement, rebuilding, or simply years of avoiding the numbers.

The questions we face: What do I actually need each month? Can I afford to live on my own? Where is the money going? How much debt do I really have? What do I need to know before I decide?

How I work: I have worked in financial services since 1982. My approach is practical, educational, and judgment-free. We name the elephant, put the facts on the table, separate needs from fears, and identify realistic next steps. I do not provide individualized legal, tax, insolvency, or investment advice. Where specialized advice is needed, I help you prepare for the right professional.

Ways to work with me: a focused money clarity conversation, the Five Critical Numbers tool, the Shake Hands with Your Money course, or private support through a major change. Pricing shared on our call.

A STORY

A couple came to me because money had become the battleground in their marriage. I asked for their numbers, then the harder question: why. The answers had nothing to do with spreadsheets. She saw she was repeating a pattern from her own childhood, and once that truth was on the table, the tension began to thaw. They started speaking honestly, made plans together, and laughed again.

Behind every budget is a belief. Behind every dollar is a story.

And it is not only women. Men come too, usually when the mess is knee-deep: divorce, child support, debt, and no plan. We start with the facts, shelter first, then shine a light into the scariest corners. They face it. They decide. They get their lives back. That is courage, and dignity.

You will leave with a clearer picture, a realistic monthly baseline, less shame, better questions for your advisors, and a stronger sense of financial footing.

Face the elephant. Start with the numbers.