-: My name is Savannah Youngblood,
and I am a financial coach.
Our mission is to improve people's financial lifestyle.
So we have lots of places where we track goals
like crushing $8,000 of debt,
increasing your credit score by 56 points,
or creating a savings account for emergencies.
I have the pleasure of talking one-on-one
with individuals who are seeking advice
about specific topics in their financial life,
like credit or how to best
increase their cash flow,
where to make adjustments in their spending habits.
Also, we look at what kind of
home that they could afford.
We could see how much
would be a good monthly payment for them
based on how much they have coming in
and their other existing expenses.
So I get to answer all these questions for them,
and give them confidence after our conversation.
So as a financial coach,
you want to have both the education
to have analytical skills,
in order to create creative strategies,
but you also wanna have personal people skills
that give you the empathy
to understand their situation
and realize they're real people
who have real problems and real challenges,
and they don't know always how to fix that.
So they are coming to you to seek help like a friend.
So you want to be an encourager as well.
So recently I helped someone
create a spending plan tracker
and what that is,
is they go through three months
of writing down or keeping track on a spreadsheet,
every purchase that they make,
every bill that they have
come through their bank account,
whether it's a check,
whether it's cash and they keep a receipt,
or whether it's an automatic payment
that's gone out of their checking account,
we wanna see what that is.
That way we can compare it to what they budgeted.
And I'll, oftentimes, you'll see that their budget
is a little bit different than what we've tracked.
So they overspent in the areas
or they've underspent in areas.
And so we make adjustments for the future,
because you want your spending plans
and your budgets to be realistic and flexible.
I end up meeting with people
between the hours of 11:00 AM and 8:00 PM.
Sometimes it's different than that.
It looks like a normal eight to five job,
but because I enjoy what I do so much,
I don't really notice the hours.