Build financial confidence and clarity

I help people with variable income feel confident spending money without guessing if they can afford it.

When your income isn’t the same every month, paying regular monthly expenses can be stressful. Add unexpected things like home repairs or a car breaking down, and saving for goals can feel impossible. I help people like you create a plan for those unexpected things so you can feel confident paying for them AND spending money on fun things like vacation, self care, and your family.

The confidence to pay bills AND have fun

If you’re looking for someone to tell you to eat rice and beans while you work towards your goals, that’s not me. I’m a firm believer in paying your bills, working towards your goals, AND enjoying life now.

Sleep better at night

When you have a solid plan, you don’t have to worry about money at 3 a.m.!

Stay on top of day-to-day and unexpected expenses

Part of our work together will be making those unexpected expenses expected. We know your car will need repairs sometime, so let’s plan for it. We know your Amazon Prime subscription is charged every year, so let’s plan for it!

Imagine unexpectedly needing a new dishwasher and not stressing about it

Think of the last time you had an unexpected thing pop up that was going to cost you more than $400. What was your reaction? How did you feel? What was your physical response? Now imagine having that unexpected thing happen and…feeling mildly annoyed at the hassle of having to deal with it, but confident that you had the money waiting to pay for it. And that you wouldn’t need to adjust your vacation plans next month to afford it.

What is coaching like...?

During our conversations, we’ll dive into your income (however big of a rollercoaster it may be!), your expenses, and especially those things that pop up and surprise you every time (helloooooo car registration!). We meet 100% virtually, so you’re welcome to join from the comfort of your couch or even your bed. I don’t care if you’re wearing sweatpants or yoga pants, or if your pet wants to pop in and say hi. If you’ve tried things in the past, we can talk about what worked, what didn’t work, and what stopped you from following through. Money is more than just numbers, so we won’t shy away from that.

Emily Blain

Family CFO since 2012
Started using YNAB in 2017; paid off $30k of student loans early plus two car loans
Started financial coaching in 2019
Accredited Financial Counselor® (AFC) as of 2025
YNAB Certified Coach in 2024
AFCPE® member
Financial Coaches Network member

Accredited Financial Counselor®
Financial Coaches Network (FCN) member
YNAB Certified Coach

*As an Accredited Financial Counselor, I am required to complete Continuing Education credits, including ethics training. I am not allowed to sell products, receive commissions, or gain referral bonuses.

*Financial Coaches Network provides training, technology, and operational support to help me be more successful as a financial coach. Being a member means I have the resources to focus less on my business and focus more on serving you.

*I am a YNAB Certified Coach, which means that I have been trained to coach people on using YNAB software and the YNAB method. I have met select requirements of YNAB in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates.