FAQs

  • What is “YNAB”?
    • YNAB (pronounced why-nab) – short for “You Need a Budget” – is a both a money management method and a software tool to help people gain clarity about their finances. Learn more about it here: www.ynab.com.
  • I’d like help to just set up a budget using YNAB. How does that work?
    • We can meet for a single session – I will walk with you through setting a budget using YNAB’s free trial. To prepare, I’ll send you some information to have in advance. Every budgeter is unique, so the time commitment will vary, but plan for about two hours.
  • I really need some help managing my money. But I’m not sure if I want to commit to the cost. Can we talk about it first?
    • Yes! I offer a free 15-minute discovery call to learn more about you and your goals. If you choose to work with me, I will create a custom plan that includes goals, costs, timeframe, and commitment. 
  • Is this really worth paying for if the reason I need help is because I’m struggling with managing my money?
    • This experience will completely change the way you view your finances. According to YNAB data, on average, the new budgeter saves $600 in the first two months and more than $6,000 in the first year using YNAB. This will be an investment that will have an excellent return throughout your life. It’s like hiring a personal trainer to get fit, or a therapist to help with your mental health… I’m your personal coach for your money.
  • What happens if I’m not happy with your services after I pay?
    • I am confident that my clients will see a return on their investment. The first session fee is not refundable, but you can cancel at any time going forward. This investment into your financial future includes a combination of financial literacy, financial therapy work, budgeting, accountability, and a personalized service that will exceed your expectations and have a lifelong positive impact.
  • How many clients do you work with?
    • I am limiting the number of new clients I take on each month because I also teach full time and am a full-time parent to two elementary-aged kiddos. I prefer to deliver exceptional guidance to a few people rather than average service to many.
  • What is financial therapy?
    • According to the Financial Therapy Association, financial therapy is “a process informed by both therapeutic and financial competencies that helps people think, feel, communicate, and behave differently with money to improve overall well-being through evidence-based practices and interventions.” By using this lens, we will also discuss the emotional side of money, since personal finance is more than just math.
  • Why should I work with you in particular?
    • This is a topic I have been passionate about for most of my adult life and it continues to grow. I continue to learn through educational programs, conferences, and keeping up with current discussions in the field. Join me for a free discovery call to learn more. 
  • How will we meet?
    • If you are local to the St. Louis metro area, we can discuss meeting in person. Otherwise, we will utilize video chat, texts/emails, and phone calls. Your preferred communication style and frequency will set the standard for our sessions.
  • I am a mental health professional with clients who really need help alleviating financial stress. What services do you offer?
    • We can chat and come up with a plan that will help. With my education in financial therapy, I am sensitive to how managing money stress goes beyond sticking to a budget. I am ready to help your clients face the concerns that may be causing them anxiety and fear about money.
  • I work at a college and want to develop a financial wellness program for our students. How can you help?
    • I have worked with students as a college professor for almost two decades and am familiar with the need for solid financial wellness for students. Students get a free one-year YNAB subscription – learn more here: https://www.youneedabudget.com/college/. I can help your students make the most of their free subscriptions and can create a plan that works with your institution’s goals and budget.
  • I own or manage a business and want to offer budget coaching as a benefit to my employees. Is this something you can do?
    • Yes! Let’s talk and we can come up with a personalized plan to offer your employees a sound program to help them manage their money. YNAB also just launched a financial wellness program – learn more here: https://www.youneedabudget.com/wellness/
  • I work with a non-profit and we want to help our clients with their financial stresses. Can you create a plan that meets our needs?
    • Yes! Each organization has clients with unique situations. Please reach out so we can discuss how I can help you serve your clients. YNAB has a program designed to help – learn more here: https://www.youneedabudget.com/good/
  • Do you work for YNAB?
    • No, I am not an YNAB employee. YNAB is an amazing company! I was lucky to be trained by the YNAB rockstars Erin and Dave with YNAB founder Jesse Mecham joining us for a class session.
    • Disclaimer: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC 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.
  • How can I get more information?
    • Fill out this form to connect with me. Or you can email me – jenfuhler@gmail.com.

Have more questions? Please reach out and I’m happy to answer anything you’d like to know as you consider this investment into your financial health.