Financial Foundations Coaching For Women and Couples

It’s time to save with intention, spend with confidence, and create real money freedom.

Build a Money System That Funds Your Life and Dreams— Not Just Your Bills

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Through coaching, you’ll learn how to move out of financial stress and confusion, away from second-guessing and into clarity, confidence, and alignment with your money.

Together, we focus on building a strong financial foundation that supports both your present life and your future goals, without guilt, restriction, or overwhelm.

By working through personalized, one-on-one coaching, you’ll gain practical tools and intentional money systems that help you make confident decisions around saving, spending, and priorities. This work isn’t about perfection, it’s about creating stability, clarity, and forward momentum that actually fit your life.

Drawing from my own lived experience navigating financial uncertainty and helping women and couples over 40 do the same, you’ll be supported by a coach who understands how personal money really is. This is a safe, judgment-free space to ask questions, slow things down, and build confidence so your money feels aligned, supportive, and capable of carrying the dreams you have for your life.

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Clients E&R

Ten months after our first session with you, [we] find ourselves in an amazing place with our finances. We have all of our big yearly payments set aside, buckets for travel, medical, gifts, home repairs, car, etc. filling up quickly. We are pleased with the method you educated us on to help us organize and feel ease and confidence with where our money is going. We are no longer holding our breath with pressure about our future finances but taking deep cleansing breaths. Each month we gain more confidence.

Introducing the Your Money Framework


This framework helps you build the financial foundations you need, enabling you to clearly see your financial starting point, establish systems aligned with your goals, make informed and impactful financial decisions, and move toward the financial freedom you deserve.

Phase 1

Clarity replaces confusion

  • See exactly where your money is going

  • Understand what’s influencing your financial progress and how

  • Identify hidden gaps and opportunities you didn’t know were there

Your Money Reality

Phase 2

Stability without restriction

  • Build simple money systems that are simple and intentional

  • Create a savings structure for stability and growth

  • Stop the start-and-stop cycle with budgeting

Your Money Systems

Phase 3

Confidence with all money decisions

  • Trust yourself to make smart money moves without fear

  • Feel aligned when choosing between today and tomorrow

  • Make clear decisions around saving, debt, and priorities

Your Money Decisions

Phase 4

Freedom to experiment

  • Explore new and exciting opportunities for more freedom

  • Spend intentionally without guilt or constant worry

  • See steady progress toward the goals that matter most

Your Money Freedom

That’s the process. Now let’s talk about what it’s like to work together.

What You Can Expect With Financial Foundations Coaching

We’ll meet twice a month for a 60 minute video chat to build YOUR money systems, uncover savings opportunities, reduce debt, and optimize your budget.

Each session ends with clear, actionable steps to keep momentum going between calls and that’s where lasting change takes place.

Coaching is designed for progress, which is why there’s a requested three-month commitment. After that, stay as long as you like or step away at any time.

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THE DETAILS:

→ Two 60-minute sessions each month 

→ Videos and learning tools for support between sessions

→ Email access between sessions to troubleshoot any challenges or problems so you never lose momentum

YOUR INVESTMENT:  

$350 / month

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Next Steps

1. Book Your Financial Clarity Call

Schedule a 45-minute conversation to explore your goals and challenges.

2. Get Clarity on Your Next Steps

During the call, we’ll review your situation to see if coaching is the right fit and outline your personalized next steps.

3. Then Decide With Confidence

If it feels like a fit, we’ll discuss how we can work together. If not, you’ll leave with clarity and direction to keep moving forward.

Book Your Call Here
dalene higgins in green shirt

Hi, I’m Dalene

I created Financial Foundations Coaching because I know what it’s like to feel uncertain about whether you’re making the right money decisions. I spent years wondering if I was on the right track. Some choices moved me forward, others didn’t, and it wasn’t always clear why.

What I discovered and what I now teach inside this coaching experience is that budgeting isn’t about restriction, it’s about direction. When you use your money intentionally and align it with what matters most, progress finally becomes visible.

I don’t just tell you to save more or draft you a budget like everyone else, my approach is deeply personal. Together, we build a money system that works for you—one that reflects your values, your goals, and the way money actually flows in your life. Those templates failed because they weren’t designed for your unique situation.

Nothing makes me happier than watching women and couples stop worrying about money, feel confident in their decisions, and take clear, steady steps toward the life and financial future they’re working to build.

Is Coaching Right For You?

✅ This coaching container is designed for you if:

  • You want clarity and confidence around your money, not quick fixes

  • You’re ready to build a strong financial foundation that supports your life and goals

  • You’re open to aligning your money with what truly matters to you

  • You’re tired of guessing and want a clear, supportive plan forward

  • You value personalized guidance and accountability

❌ This coaching container is not for you if:

  • You’re looking for investment advice or strategies to grow your portfolio. My focus is on helping you create the income flow and systems that support your savings goals and growth with a trusted professional for investment guidance.

  • You’re hoping for a quick fix without making changes to your current money habits or routines.

  • You’re not open to guidance, accountability, or learning a personalized approach that’s designed for your unique life and goals.

  • "So glad I did my work up with you!! I went from paycheck-to-paycheck and making minimum payments on my credit cards to paying off $5k of debt and saving $2500 in 3 months! It makes me happy to open my spreadsheet and see my progress! And it’s definitely helped me curb my non-essential junk spending."

    Client BC

  • "I absolutely loved auditing my bills and spending using a values alignment tool that Dalene did with me. It was soooo empowering to see the alignment.

    Angela Quinteros

  • “We only wish we had started this years ago. Dalene’s approach gave us the confidence and clarity we were missing. Now, we’re finally on the same page and having meaningful conversations about our money and future.”

    Clients E & R

  • “I’m so glad I signed up! Dalene’s program helped me understand budgeting, my values, and finances in a whole new way. She’s incredibly knowledgeable, kind, and supportive throughout the journey.”

    Client LC

  • Working with Dalene was a game-changer for my financial journey. I knew I was doing okay, but had no system to manage my money. Dalene showed me the power of laying out my numbers and tracking them.

    Client JK

Questions About Coaching

  • I have worked with several individuals in various circumstances and it has supported them in what they needed. As long as you are honest about your situation and willing to put in the work, you will see progress. While I don’t make any guarantees, even those clients who were hesitant about using the specific system I taught, I either tweaked to their personality or showed them how simply it could be used.

  • That’s because most budgeting methods don’t reflect real life. My focus is to help you build a system that aligns with your lifestyle, values, and natural money habits, not a rigid set of rules. When it fits you, it works.

  • Other than the one hour twice a month, the time spent on managing your money will not be more than 30 minutes a day, if that. And that is only in the beginning. It is important to be aware of our finances daily, especially when making changes. Honestly after a couple months work, you will define a money routine that will be more inclined to what you need and what works best for you and your schedule.

  • Maybe. But if you’re not a numbers person, haven’t had much success to date, jumping in with a coach for 3, 6, or 12 months will get you there quicker. I have finished this path and had to figure it out on my own. I truly wished I would have known all of the things I do now, or at least half when I began my 15 year retirement journey.

  • It’s never too late. The sooner you get clarity, the more choices you’ll have. This coaching experience is designed to give you support where you need it most. Figuring out how best to close gaps and make the biggest impact is where we’ll start.

  • After year of coaching, I’ve realized that individualization and customization is where my clients find the most success. We’ll begin with what I have as a framework and tweak that process until it is working for you.

  • ILet’s start with what it doesn’t mean. I won’t just be teaching you a bunch of things and hope they work out. While I have a process and system, if that is not your style I guide you through making it yours. What works best with your skills and personality. I also guide you through making the decisions you have inside you regarding money and retirement. With this guidance, stories and beliefs will rise up that we’ll need to solve together for you to make progress.

Ready to align your money with your life?

BOOK A FREE CALL