Savings Coach

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Troy, MI
Savings Coach

Helping normal people with money. Ask about our Starting Line, Race to $100K, & Finish Line programs

09/01/2026

Having kids changes your financial plan.

Start with these 5 questions:
1️⃣ Do we have enough emergency savings?
2️⃣ Do we have the right life and disability insurance?
3️⃣ How will we pay for childcare?
4️⃣ What milestones will we want to help our kids with financially—and what do we want them to pay for themselves?
5️⃣ Are we saving for retirement before college?

Having a child changes so many things for a family. To prepare, consider creating a financial plan that grows with your family.

08/31/2026

See the graduation speech for our Race to $100K 2026 Participants! There were A LOT of achievements in the last 12 months. We are proud of all our coaching clients and excited for their future trajectory!

Message us to learn how you can participate in the Race to $100K 12-month coaching program.

08/24/2026

You said “I do.” Now comes another important question:

How will we handle our money together?

There’s no one-size-fits-all answer. Some couples combine everything. Others keep some accounts separate. Many find a hybrid approach works best.

Here are a few things to think about:
Debt: What debt are you each bringing into the marriage, and how will you pay it off?
Bank accounts: Joint, separate, or a combination of both?
Monthly bills: Will you split expenses 50/50 or contribute based on income?
Financial goals: Are you saving for a home, travel, children, retirement, or something else?
Protection: Have you reviewed your insurance and updated beneficiaries?
Communication: How often will you sit down and talk about money?

How Savings Coach can help:
We provide an objective third-party perspective and help turn all of these conversations into an actual plan.

You will feel more organized and have a process for making money decisions. You will be able to create a rich vision of your life together and be able to spend guilt-free according to your personalized plan.

08/18/2026

Before you say "I do," have you talked about your money?

Marriage doesn't require you to have perfect finances—but it does require financial honesty.

Check out Savings Coach's Financial Checklist Before Getting Married, covering things like:
Know each other's income & debts
Review your credit
Discuss spending habits
Decide how you'll manage bank accounts
Discuss your biggest financial goals

You get to decide "What kind of life do we want to build together" and we can help you identify "what role will money play in getting you there".

Want the complete version? We've created an in-depth Financial Checklist Before Getting Married to help couples work through everything from debt and budgeting to insurance, beneficiaries, retirement, and estate planning.

Message us to learn more.

08/11/2026

What credit score should you aim for? 🎯

For many people, a score of 740 or higher is an excellent target. You may qualify for many of the best available lending terms without needing a perfect 850.

When is a good credit score especially important?

🏠 Buying or refinancing a home
🚗 Financing or leasing a vehicle
💳 Applying for a credit card
🏢 Renting an apartment
💼 Starting a business or applying for business financing
🔌 Setting up utilities or other services
🛡️ Qualifying for certain insurance rates, where permitted

A higher score doesn’t guarantee approval—but it can make borrowing less expensive and give you more options.

If you are interested in refinancing, message us and learn how Savings Coach Lending can help.

08/05/2026

How to Improve Your Credit Score—Fast
Your credit score can affect much m ore than whether you qualify for a credit card. A stronger score may help you access lower interest rates, better loan terms, and even lower insurance costs in some states.

Want to improve your score quickly? Focus on these moves:
✅ Pay every bill on time
Payment history is one of the biggest factors in your credit score. Set up autopay for at least the minimum payment so you never miss a due date.
✅ Lower your credit card balances
Try to keep your credit utilization below 20%—and ideally below 10%.
Example: If your total credit limit is $10,000, aim to keep your reported balance below $2,000.
✅ Make an extra payment before your statement closes
Your card issuer may report your balance around the statement closing date—not just after the due date. Paying early can reduce the balance that appears on your credit report.
✅ Check your credit reports for errors
Incorrect late payments, accounts that don’t belong to you, or inaccurate balances can hurt your score. Review your reports and dispute legitimate errors.
✅ Avoid applying for several new accounts at once
Multiple hard inquiries and new accounts can temporarily lower your score.
❌ Don’t close an older credit card just because you don’t use it.
Closing an account can reduce your available credit and shorten your credit history.

Save this post for your next credit check and share it with someone working on their financial foundation.

Keep Saving!

07/30/2026

Automation can make managing money easier, more consistent, and less dependent on willpower. But not every part of your financial life should run on autopilot.

Consider automating:
• Direct deposits to checking and savings
• Recurring bill payments
• Contributions to your emergency fund
• Investment contributions
• Extra payments toward debt
• Bank alerts
• Reminders for upcoming payments (think large non-monthly payments like insurance or taxes)

Automation helps make your priorities happen before the money gets spent elsewhere.

Keep these parts intentional:
• Reviewing your account balances
• Monitoring spending compared to budget
• Evaluating subscriptions and recurring expenses
• Checking progress toward financial goals
• Reviewing your investments
• Updating your plan after a major life change

Automate the habits. Monitor the system. Make the important decisions intentionally.

And Keep Saving!

07/25/2026

Berkley Street Fest! catch us near the kids zone

07/20/2026

Where to begin with your finances?

Come join us Thursday, August 6th in Royal Oak for the Starting Line: Where Your Financial Journey Takes Off!

p.s. any feedback on Adam's golf swing?

07/16/2026

What is the "Pay Yourself First" strategy?

Most people pay everyone else first...

🏠 The landlord.
⚡ The utility company.
💳 The credit card.
📱 The phone bill.

Then they hope there's something left to save.

The Pay Yourself First strategy flips that approach.

Before you spend money on anything else, automatically move a portion of your paycheck into savings or investments.

It doesn't have to be a huge amount.

Even 5% of every paycheck can add up to thousands of dollars over time—and because it's automatic, you don't have to rely on willpower.

Here's a simple way to start:
✅ Have your direct deposit go into two accounts
✅ Set up an automatic transfer the day after payday.
✅ Then direct additional savings toward retirement, investing, or your next big goal.

The best savings plan isn't the one with the biggest number.

It's the one that happens consistently.

Address

755 W Big Beaver Road, Suite 101
Troy, MI
48084

Website

http://www.savingscoach.com/

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