Financial Coaching LLC

"Where you choose Faith Over Fear for your Finances"



F.O.F. Financial Coaching is here to help you become an excellent steward over your personal finances using biblical principles. Through financial coaching we hope to help relieve your money woes, improve your financial quality of life, reduce money fights with your spouse, teach you to apply good money habits based on financial principles, and help you to use your hard earned money to live your dreams!

  • Legacy Part 4

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    Legacy Part 4 is the final video from our class discussions. As you have been thinking about legacy for the past videos 1, 2, & 3 I hope you see that leaving finances to and character in someone are equally important. There are practical things we can do to leave a legacy for our children and families. There are multiple ways to leave an inheritance, three points in the video we touched on were:

    1. Will

    For some strange reason we forget that at some point we will die. Not to be morbid, but it is something that we have in common as humans. A crazy stat that I've conducted research on is 100% of the time you cannot take anything with you from this world including your own body once you die. With that fact, why not leave a Will?

    A will, according to Google definition number 2, is a legal document containing instructions as to what should be done with one's money and property after one's death. I suppose if you have no money or property for whatever reason a will may not be needed. But for those that do, allocating your assets to your spouse, children, grandchildren, and/or family is a great example of stewardship. Instead of letting the government confiscate your belongings after death be responsible and divvy up what you've been stewarding over. Pray through how your possessions should be allocated and let the parties involved know, together in a safe space, what is expected when you pass away. As things change, you can update your will as needed.

    A will can be done online through sites like or through an estate planning attorney. Please research and seek assistance on what's best for your situation! If you have a basic will you may not need an attorney. If things are more complicated seek good trusted counsel. If you need help with interviewing professionals click here.

    2. Term Life Insurance

    Life insurance is important, a "just in case" you pass on much earlier than expected. We do not know when our time will come so term life insurance is a great way to take care of your family and leave them something. A good recommendation is 20 year term life insurance for 10 to 12 times your annual salary. After the term hopefully you'll be in a position where you don't need it but you can renew it if you choose. This will allow your family to be covered if you exit early but also can be extra to your family if you decide to continue the policy.

    3. Paying For Children's College
    Paying for college can put your children ahead of the financial curve if you are able to do it. According to, "43 million adult Americans - roughly one-sixth of the U.S. population older than 18 - currently carry a federal student loan and owe, $1.5 trillion in federal student loan debt, plus a an estimated $119 billion in student loans from private sources not backed by the government." That's a lot of McChickens! Putting yourself in the financial position to pay for your children's education takes planning, discipline, budgeting, and faith but it allows them to avoid debt and continue the legacy you started! Consider starting the legacy early to put your generations to come in a better position to succeed.

    I hope you consider these three ways to leave a legacy and you look to leave a legacy to your children's children. We may not know what each day will bring but choosing faith over fear for your finances can positively affect your generations to come.

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    "Where you choose Faith over Fear for youFinances"

  • Legacy Part 3

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    In the video for Legacy Part 3 we are discussing what a legacy looks like from a financial and mindset perspective. For some of us, thinking about a legacy can be difficult because of what is going on at this moment. Also, there is a negative idea in our society that if you inherited something you didn't work for it therefore you're [insert any negative comment]. Obviously this is a generalization, but is leaving a legacy really a negative thing? Was Abram wrong for leaving something to Issac? Was Issac wrong for leaving something to Jacob? Did David do an injustice by leaving a great inheritance to Solomon? If your answer is no, than what is stopping you from leaving an inheritance both money/possession and character to the next generation? Could it be:

    1. Materialism?
    3. Lack of Faith?
    5. Lack of Knowledge?   
    6. Laziness?
    7. Pride?
    8. Selfishness?
    9. Fear?

    I may not be able to answer the question for you but I hope you begin to self assess and determine what is important to you and your future. I hope you enjoyed Legacy Part 3 and I leave you with this question, are the choices you are making now, contributing to leaving an inheritance later?

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    "Where you choose Faith over Fear for youFinances"

  • Legacy Part 2

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    In this video we discussed Legacy in three generations: Abraham, Issac, and Jacob from the bible. The point of Legacy Part 2 is to illustrate how passing down money and possessions from one generation to the next allows continued financial growth within a family line. That definitely reinforces the truth that a good man leaves an inheritance to his children's children.

    Just because finances increase doesn't mean people will be without flaws or sin as we see with Abraham and Jacob. As discussed in Legacy Part 1, money is not the only thing we should look to pass down. Since that is the case, here are some principles that should be considered as you look to leave a legacy to your next generation:

    1. Giving
    Giving is a foundational principle when it comes to wealth building. It puts you in a mindset of helping others and makes room so more can flow to and through you. In Proverbs 3:9-10 (NKJV) it says, "Honor the Lord with your possessions and with the first fruits of all your increase so your barns will be filled with plenty and your vats will overflow with new wine."

    If you believe this, how have you passed this down to your children? Do you think they'll just pick it up along the way? Maybe... but maybe not! Be intentional about showing and teaching the next generation of your family what it means to give and to trust God in giving. Will you be committed to practice and to teach them to give?

    2. Stewardship
    As we saw in Legacy Part 1, millions of dollars doesn't mean anything if you can't manage it properly! If you have no idea what's coming in or what's going out how can you develop wealth to pass down? Furthermore, if you do have money to will to your children how will they increase it if they can't manage it? At some point you have to be the one who teaches and guides them about managing money. Ironically, this could be considered you being a good steward of your children's lives. If not for yourself, learn how to budget and keep track of money to teach your children. Enroll them in quality courses that teach on the topic. Remember, we can't rely on school to do it and some point you have to take control and train them up in the way they should go!

    3. Discipline
    Temptation has always been prevalent but with easy access to almost anything with the Internet discipline is of utmost importance! Ads are in our face almost on every Internet platform saying, "click here" and "buy me" literally 24-7. So we must have disciple to not take the bait, save up for it, or strategize on how to obtain it in a wise manner. Hebrews 12:11 (NIV) says, "No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who have been trained by it." Disciple is not fun, but instilling it in your next generation is a key for them to handle what you have stored up for them.

    Incorporating these principles into your daily life and teaching them to your children are great ways to develop the next generation. It will also help them to better handle what you plan on leaving them financially. Remember the theme of this lesson is leaving something in and to them!

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