My story...

Hi - I'm Coach Kristine. Thanks for checking out my website! 

I'm a financial coach because once upon a time I was broke, in-debt, stressed and saw no light at the end of the tunnel. But that's all changed now and I am passionate about showing others they too can achieve amazing financial success. Is it easy? Not really. Is it worth it? Absolutely! 

I live in Central Texas where many of my clients are located, but distance is not a barrier due to the advances and convenience of technology.  I have worked with clients as far away as Afghanistan and Doha, Qatar! 


In October 2018, my wonderful husband Joe and I, achieved financial freedom. Over the course of several years, by choosing to be intentional with our money choices, faithful to God, and keeping an attitude of gratitude, a debt free lifestyle became a reality when we paid off our mortgage! Check it out here!

No longer in debt, I help others by giving free budgeting classes in my community.

But it wasn't always like this.  

Back in 2005 when I was fired from my job, newly divorced, dealing with child support issues and generally upside down in life, things looked pretty grim. By the time 2009 came around I had racked up over $22,000 of debt including credit cards and student loans, and was going through a series of really bad cars, also financed with loans.

As a casual Dave Ramsey fan for the better part of 20 years, I was listening to Dave’s radio program one Friday afternoon in November of 2010 on my way to work at the IRS in Austin, TX. I heard (yet another) couple scream “we’re debt free!” It was more than I could bear.

Bursting into tears and gripping the steering wheel tight, I yelled, “I want to be debt free!! I want it to be my turn to scream ‘I’m debt free!!’ I’m sick and tired of being broke and in debt!"

Original debt pay-off schedule started 11.11.2010

Me and Dave

So I rolled up my sleeves, became intentional with my finances, and began to claw my way up and out.

With God's help, I started taking control of the one thing I could control, my money. Progress was two steps forward and one step back. While working full-time and driving 150 miles round-trip to work nearly every day, I had already returned to school and completed my bachelor’s degree in December 2009. I began renting out rooms in my house, worked overtime, packed my lunch to work, and sold my beloved motorcycle to pay off debt. Progress was slow at first, but the needle finally started to move in the right direction.


My '97 Suzuki Marauder

Along the way I met and married a great guy, Joe, and together in December of 2012, we paid all cash for our wedding. 

Fast forward by January 2013, I was debt-free on all but the mortgage, and Joe was too. We pressed on, and got the last two kids through high school and into college with zero student loans! And finally, in October 2018, we paid off the mortgage. Check out our YouTube video for that great day! 

Now I help others do the same!

Me and Chris Hogan

As a financial coach I guide people through the same Baby Steps I followed. I meet people where they're at and walk with them through their journey. Together, my clients tackle debt, create spending plans, save money, get focused, show their kids a different way to live, revive their marriage, become intentional, build savings, grow wealth and become "Everyday Millioniares."

I would be honored to be your financial coach! Schedule a call, send me an email at or Contact Me and we'll go from there.




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Savings Withdrawal Calculator

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Ramsey Preferred Coaches are independent financial coaches offering personal finance coaching and education to help empower you to take charge of your money. Ramsey Preferred Coaches are not employees or agents of Ramsey Solutions and their services are not warranted or guaranteed by Ramsey in any way. Ramsey Preferred Coaches complete training through Ramsey Solutions and pay a fee to be part of the coaching program. Ramsey Solutions does not offer tax, legal, accounting or other professional advice of any kind.