In 2 meetings over about 2-3 weeks, we help you:

• See the full picture of your income, tuition, debts, and upcoming expenses
• Build an emergency budget for “tight months” so you don’t panic
• Identify places to cut or streamline without breaking your home
• Understand which government programs, bank options, or community resources may apply to you

This is not an investment scheme or get‑rich promise. It’s a Torah‑aligned, practical reset for real families.

Who this is for:

– Working/learning families in Lakewood
– Feeling constant pressure from tuition, debt, or overdraft
– Need clear next steps, but are not ready for a full 6‑session track
– Want a private, no‑shame place to get organized and make a plan

2-Meeting Coaching Process:

2 x 1¼ hour meetings
Meetings are usually 2-3 weeks apart

Meeting 1 – Full picture & emergency plan
– Map out expected expenses (tuition, rent/mortgage, groceries, childcare, loans, upcoming simchas)
– Review current income and any income‑enhancement ideas
– Build a simple “emergency budget” for tight periods: what gets paid first, what can wait, and what can be reduced

Between meetings:
You’ll get a short list of practical steps (phone calls, forms, changes) to move you forward before Meeting 2.

Meeting 2 – Fixes & support options

– Review what changed since Meeting 1
– Look at debt structure, overdraft, and possible ways to lower pressure
– Identify relevant government programs, bank options, and community resources
– Finalize a clear, written plan for the next 60–90 days

All meetings are one‑on‑one and confidential. No group sharing, no public details.

Space is Limited!

If you’d like to be considered, fill out the short application below. Our office will:

– Review your details
– Confirm which track (Standard or Advanced) fits you best
– Contact you to schedule your first session