coaching and coaches there are voice coaches
coaches
coaches soccer coaches even life coaches why not
soccer coaches even life coaches why not
soccer coaches even life coaches why not a financial coach think about the last
a financial coach think about the last
a financial coach think about the last time you faced a financial emergency an
time you faced a financial emergency an
time you faced a financial emergency an unexpected car repair bill a sick child
unexpected car repair bill a sick child
unexpected car repair bill a sick child the loss of a job suddenly just like in
the loss of a job suddenly just like in
the loss of a job suddenly just like in this picture you’re hanging on as hard
this picture you’re hanging on as hard
this picture you’re hanging on as hard as you can to keep from falling into a
as you can to keep from falling into a
as you can to keep from falling into a financial of this that’s why Whitney and
financial of this that’s why Whitney and
financial of this that’s why Whitney and I are here hold up your hand if you
I are here hold up your hand if you
I are here hold up your hand if you remember what that feels like I do it’s
remember what that feels like I do it’s
remember what that feels like I do it’s pretty scary and stressful perhaps you
pretty scary and stressful perhaps you
pretty scary and stressful perhaps you had to turn to a family friend or
had to turn to a family friend or
had to turn to a family friend or neighbor to borrow some money
neighbor to borrow some money
neighbor to borrow some money it’d been due your personal savings
it’d been due your personal savings
it’d been due your personal savings account or even take out a loan somehow
account or even take out a loan somehow
account or even take out a loan somehow you made it work because you had some
you made it work because you had some
you made it work because you had some financial options but what happens if
financial options but what happens if
financial options but what happens if you don’t have financial options like
you don’t have financial options like
you don’t have financial options like these well that’s why Whitney and I are
these well that’s why Whitney and I are
these well that’s why Whitney and I are here we’re gonna share what’s working
here we’re gonna share what’s working
here we’re gonna share what’s working for parents with young children we’re
for parents with young children we’re
for parents with young children we’re building their financial grit even in
building their financial grit even in
building their financial grit even in the face of lots of financial
the face of lots of financial
the face of lots of financial emergencies who are moving from barely
emergencies who are moving from barely
emergencies who are moving from barely hanging on to steadily climbing to a
hanging on to steadily climbing to a
hanging on to steadily climbing to a place of financial stability with a
place of financial stability with a
place of financial stability with a coach a financial coach we all use GPS
coach a financial coach we all use GPS
coach a financial coach we all use GPS right well imagine entering your
right well imagine entering your
right well imagine entering your directions to your road to success but
directions to your road to success but
directions to your road to success but then being rerouted down broke Boulevard
then being rerouted down broke Boulevard
then being rerouted down broke Boulevard setbacks treat depression Drive and
setbacks treat depression Drive and
setbacks treat depression Drive and hardship highway and it’s not just you
hardship highway and it’s not just you
hardship highway and it’s not just you in the car your three precious babies
in the car your three precious babies
in the car your three precious babies are along for the ride would you still
are along for the ride would you still
are along for the ride would you still believe that you could arrive at your
believe that you could arrive at your
believe that you could arrive at your destination or would you get frustrated
destination or would you get frustrated
destination or would you get frustrated and turn around instead Walt Disney said
and turn around instead Walt Disney said
and turn around instead Walt Disney said the difference in
the difference in
the difference in and losing is most often not quitting
and losing is most often not quitting
and losing is most often not quitting let me tell you about a remarkable woman
let me tell you about a remarkable woman
let me tell you about a remarkable woman who did not quit miss Diez a single
who did not quit miss Diez a single
who did not quit miss Diez a single mother of three young children under the
mother of three young children under the
mother of three young children under the age of five when we first met her she
age of five when we first met her she
age of five when we first met her she was anxious depressed and struggling to
was anxious depressed and struggling to
was anxious depressed and struggling to find a job she was on public assistance
find a job she was on public assistance
find a job she was on public assistance she had a very low credit score and
she had a very low credit score and
she had a very low credit score and literally no hope of ever buying her own
literally no hope of ever buying her own
literally no hope of ever buying her own home but that all changed when she
home but that all changed when she
home but that all changed when she enrolled in a program that provided her
enrolled in a program that provided her
enrolled in a program that provided her with a personal financial coach who came
with a personal financial coach who came
with a personal financial coach who came alongside of her and really got to know
alongside of her and really got to know
alongside of her and really got to know her the financial coach came to visit
her the financial coach came to visit
her the financial coach came to visit her in her home and provided her the
her in her home and provided her the
her in her home and provided her the support and guidance she needed to turn
support and guidance she needed to turn
support and guidance she needed to turn those hopes into actionable plans and do
those hopes into actionable plans and do
those hopes into actionable plans and do you know what happened I can’t wait to
you know what happened I can’t wait to
you know what happened I can’t wait to tell you in just a few moments remember
tell you in just a few moments remember
tell you in just a few moments remember that concept of financial grit that I
that concept of financial grit that I
that concept of financial grit that I mentioned earlier what’s that all about
mentioned earlier what’s that all about
mentioned earlier what’s that all about think back to what it takes to stick to
think back to what it takes to stick to
think back to what it takes to stick to a weight-loss plan
a weight-loss plan
a weight-loss plan learn a new language it’s really grit
learn a new language it’s really grit
learn a new language it’s really grit that makes a difference and in
that makes a difference and in
that makes a difference and in particular it’s the three C’s first
particular it’s the three C’s first
particular it’s the three C’s first capacity to make a plan track your
capacity to make a plan track your
capacity to make a plan track your progress and take action
progress and take action
progress and take action second confidence to believe in yourself
second confidence to believe in yourself
second confidence to believe in yourself and know you can do it
and know you can do it
and know you can do it and third coaching to train with someone
and third coaching to train with someone
and third coaching to train with someone to build new financial habits it’s that
to build new financial habits it’s that
to build new financial habits it’s that last seat coaching where the real magic
last seat coaching where the real magic
last seat coaching where the real magic happens it’s coaching the turns capacity
happens it’s coaching the turns capacity
happens it’s coaching the turns capacity and confidence into positive financial
and confidence into positive financial
and confidence into positive financial action in fact parents with young
action in fact parents with young
action in fact parents with young children are building their financial
children are building their financial
children are building their financial habits and their grit so that they can
habits and their grit so that they can
habits and their grit so that they can build brighter futures for their
build brighter futures for their
build brighter futures for their children no matter where they live or
children no matter where they live or
children no matter where they live or what their circumstances as I’ve shared
what their circumstances as I’ve shared
what their circumstances as I’ve shared with Irene I know the importance of
with Irene I know the importance of
with Irene I know the importance of financial grit and the power of coaching
financial grit and the power of coaching
financial grit and the power of coaching you see at one time in my life I was a
you see at one time in my life I was a
you see at one time in my life I was a divorced single parent and I put many
divorced single parent and I put many
divorced single parent and I put many miles down on broke Boulevard and
miles down on broke Boulevard and
miles down on broke Boulevard and setback Street here I was educated and
setback Street here I was educated and
setback Street here I was educated and employed yet I still struggle
employed yet I still struggle
employed yet I still struggle financially for coaching to work
financially for coaching to work
financially for coaching to work families must make a decision to change
families must make a decision to change
families must make a decision to change their circumstances change their
their circumstances change their
their circumstances change their situation and that begins with
situation and that begins with
situation and that begins with identifying the why what’s motivating
identifying the why what’s motivating
identifying the why what’s motivating them to change is it to get out of debt
them to change is it to get out of debt
them to change is it to get out of debt restore or establish credit purchase a
restore or establish credit purchase a
restore or establish credit purchase a home establish a budget whatever that
home establish a budget whatever that
home establish a budget whatever that goal is that’s the big motivating factor
goal is that’s the big motivating factor
goal is that’s the big motivating factor but they have to be honest and they must
but they have to be honest and they must
but they have to be honest and they must make the commitment showing up for their
make the commitment showing up for their
make the commitment showing up for their appointments opening the door when their
appointments opening the door when their
appointments opening the door when their personal financial coach and home
personal financial coach and home
personal financial coach and home visitor come to their home and following
visitor come to their home and following
visitor come to their home and following through the coaches praise these small
through the coaches praise these small
through the coaches praise these small wins every step along the way remember
wins every step along the way remember
wins every step along the way remember those three C’s that Irene mentioned
those three C’s that Irene mentioned
those three C’s that Irene mentioned when families participate in the
when families participate in the
when families participate in the personal financial coaching program they
personal financial coaching program they
personal financial coaching program they then have the capacity to plan and
then have the capacity to plan and
then have the capacity to plan and manage their finances the competence to
manage their finances the competence to
manage their finances the competence to know that they can do it and the
know that they can do it and the
know that they can do it and the coaching support they need to be able to
coaching support they need to be able to
coaching support they need to be able to continue practicing those good financial
continue practicing those good financial
continue practicing those good financial habits but how do we really know that
habits but how do we really know that
habits but how do we really know that financial coaching is working research
financial coaching is working research
financial coaching is working research which shows that folks who meet with a
which shows that folks who meet with a
which shows that folks who meet with a financial coach are it’s both a
financial coach are it’s both a
financial coach are it’s both a promising practice and a powerful
promising practice and a powerful
promising practice and a powerful complement to financial literacy
complement to financial literacy
complement to financial literacy education and counseling in fact a
education and counseling in fact a
education and counseling in fact a recent evaluation study which compared
recent evaluation study which compared
recent evaluation study which compared one group of folks who received coaching
one group of folks who received coaching
one group of folks who received coaching to a similar
to a similar
to a similar group who didn’t did find coaching
group who didn’t did find coaching
group who didn’t did find coaching mattered and made a difference but it
mattered and made a difference but it
mattered and made a difference but it really makes a difference for folks who
really makes a difference for folks who
really makes a difference for folks who met with a coach at least three to four
met with a coach at least three to four
met with a coach at least three to four times even when they make the decision
times even when they make the decision
times even when they make the decision to participate though it’s still common
to participate though it’s still common
to participate though it’s still common for some parents to experience some
for some parents to experience some
for some parents to experience some speed bumps along the way many families
speed bumps along the way many families
speed bumps along the way many families are very apprehensive about
are very apprehensive about
are very apprehensive about participating they don’t often want to
participating they don’t often want to
participating they don’t often want to confront or expose their personal
confront or expose their personal
confront or expose their personal financial situation to someone they
financial situation to someone they
financial situation to someone they don’t know
don’t know
don’t know would you like releasing your personal
would you like releasing your personal
would you like releasing your personal information to someone you don’t know
information to someone you don’t know
information to someone you don’t know whether or not we asked if you had a
whether or not we asked if you had a
whether or not we asked if you had a retirement account how much do you have
retirement account how much do you have
retirement account how much do you have in your savings what’s your credit score
in your savings what’s your credit score
in your savings what’s your credit score in order for this coaching model to work
in order for this coaching model to work
in order for this coaching model to work we have to work together and so how do
we have to work together and so how do
we have to work together and so how do we overcome that how do we overcome this
we overcome that how do we overcome this
we overcome that how do we overcome this relationships relationships
relationships relationships
relationships relationships relationships they are the key to
relationships they are the key to
relationships they are the key to helping families overcome those fears
helping families overcome those fears
helping families overcome those fears and to be able to move forward with us
and to be able to move forward with us
and to be able to move forward with us home visitors have an amazing ability to
home visitors have an amazing ability to
home visitors have an amazing ability to establish trust to get families to
establish trust to get families to
establish trust to get families to participate some home visitors have
participate some home visitors have
participate some home visitors have personal financial coaches themselves so
personal financial coaches themselves so
personal financial coaches themselves so they can confidently share of the
they can confidently share of the
they can confidently share of the benefits with their families in addition
benefits with their families in addition
benefits with their families in addition to financial coaching there’s another
to financial coaching there’s another
to financial coaching there’s another critical success factor grit in another
critical success factor grit in another
critical success factor grit in another TED talk by Angela Duckworth she
TED talk by Angela Duckworth she
TED talk by Angela Duckworth she described how grit more than IQ was a
described how grit more than IQ was a
described how grit more than IQ was a more powerful predictor of student
more powerful predictor of student
more powerful predictor of student school success that the passion and the
school success that the passion and the
school success that the passion and the perseverance to achieve your long-term
perseverance to achieve your long-term
perseverance to achieve your long-term goals the grit to stick with it
goals the grit to stick with it
goals the grit to stick with it even during the hard times is critical
even during the hard times is critical
even during the hard times is critical at the same time we also know that grit
at the same time we also know that grit
at the same time we also know that grit and perseverance aren’t enough that it
and perseverance aren’t enough that it
and perseverance aren’t enough that it takes knowledge support and skills to
takes knowledge support and skills to
takes knowledge support and skills to turn that grit into action
turn that grit into action
turn that grit into action what about miss Diaz who I first
what about miss Diaz who I first
what about miss Diaz who I first mentioned talk about grit in less than a
mentioned talk about grit in less than a
mentioned talk about grit in less than a year after working with her personal
year after working with her personal
year after working with her personal financial coach she turned her life
financial coach she turned her life
financial coach she turned her life around she got a job she established a
around she got a job she established a
around she got a job she established a budget and began to save money
budget and began to save money
budget and began to save money her credit score increased tremendously
her credit score increased tremendously
her credit score increased tremendously she then bought a brand new car and was
she then bought a brand new car and was
she then bought a brand new car and was then pre-approved for a mortgage to buy
then pre-approved for a mortgage to buy
then pre-approved for a mortgage to buy a home she made a decision and she was
a home she made a decision and she was
a home she made a decision and she was motivated to do what she needed to do
motivated to do what she needed to do
motivated to do what she needed to do every time she met with the coach it was
every time she met with the coach it was
every time she met with the coach it was just another reinforcement to continue
just another reinforcement to continue
just another reinforcement to continue to keep her encouraged there’s another
to keep her encouraged there’s another
to keep her encouraged there’s another parent we didn’t mention who
parent we didn’t mention who
parent we didn’t mention who demonstrated this financial grid her
demonstrated this financial grid her
demonstrated this financial grid her name is Miss Van Riper she’s a single
name is Miss Van Riper she’s a single
name is Miss Van Riper she’s a single mom of four young children her personal
mom of four young children her personal
mom of four young children her personal financial coach educated her on how to
financial coach educated her on how to
financial coach educated her on how to save how to budget and how to clean up
save how to budget and how to clean up
save how to budget and how to clean up her credit it wasn’t easy but she was
her credit it wasn’t easy but she was
her credit it wasn’t easy but she was determined and she moved forward with
determined and she moved forward with
determined and she moved forward with working on her goals and today her
working on her goals and today her
working on her goals and today her credit moved from being very poor to
credit moved from being very poor to
credit moved from being very poor to being in very good standing and now
being in very good standing and now
being in very good standing and now she’s saving to buy her very first car
how else do we know it’s working we
how else do we know it’s working we tracked the data and it shows that over
tracked the data and it shows that over
tracked the data and it shows that over time parents with young children who met
time parents with young children who met
time parents with young children who met with the coach are increasing their
with the coach are increasing their
with the coach are increasing their savings they’re reducing their debt
savings they’re reducing their debt
savings they’re reducing their debt they’re improving their credit scores
they’re improving their credit scores
they’re improving their credit scores they’re paying their bills on time more
they’re paying their bills on time more
they’re paying their bills on time more often and they’re building the
often and they’re building the
often and they’re building the confidence to manage their financial
confidence to manage their financial
confidence to manage their financial lives that’s how we know it’s working as
lives that’s how we know it’s working as
lives that’s how we know it’s working as I travel the country I look for efforts
I travel the country I look for efforts
I travel the country I look for efforts that are building brighter futures for
that are building brighter futures for
that are building brighter futures for children efforts that are
children efforts that are
children efforts that are transformational not just transactional
transformational not just transactional
transformational not just transactional efforts that change my perspective of
efforts that change my perspective of
efforts that change my perspective of what’s possible I’m inspired not just by
what’s possible I’m inspired not just by
what’s possible I’m inspired not just by the data in the
the data in the
the data in the search but more importantly by the
search but more importantly by the
search but more importantly by the stories of the hundreds of parents with
stories of the hundreds of parents with
stories of the hundreds of parents with young children parents like Miss Diaz
young children parents like Miss Diaz
young children parents like Miss Diaz and miss Van Riper
and miss Van Riper
and miss Van Riper who are building new financial habits
who are building new financial habits
who are building new financial habits and the grit to move their families from
and the grit to move their families from
and the grit to move their families from the margins to the mainstream so here’s
the margins to the mainstream so here’s
the margins to the mainstream so here’s the big idea we hope you’re inspired to
the big idea we hope you’re inspired to
the big idea we hope you’re inspired to take up this model of financial coaching
take up this model of financial coaching
take up this model of financial coaching fits into a broader goal to promote
fits into a broader goal to promote
fits into a broader goal to promote health and wellness in all aspects of
health and wellness in all aspects of
health and wellness in all aspects of our family’s lives in their finances yes
our family’s lives in their finances yes
our family’s lives in their finances yes but also in their emotional and social
but also in their emotional and social
but also in their emotional and social well-being we believe that’s what it
well-being we believe that’s what it
well-being we believe that’s what it takes for them to thrive the programs
takes for them to thrive the programs
takes for them to thrive the programs that you will hear about today are
that you will hear about today are
that you will hear about today are positively changing lives and we only
positively changing lives and we only
positively changing lives and we only hope that families all across this
hope that families all across this
hope that families all across this country have an opportunity to unlock
country have an opportunity to unlock
country have an opportunity to unlock their three C’s through financial
their three C’s through financial
their three C’s through financial coaching and support
”
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