Monthly Budget Planner

A 38-year-old senior product manager at a tech company earns $165,000 a year and consistently reaches the end of the month with less than $500 in her checking account. She has a vague sense that she spends 'too much on food and travel,' but she has never compared what she planned to spend against what she actually spent in any category. She came to coaching to work on career satisfaction, and money came up when she described feeling financially stuck despite a salary she knows is objectively good. The Monthly Budget Planner produces the comparison she's never made — planned versus actual — and identifies the largest gap between intention and behavior. For this client, the gap is almost always more specific than she expects, which changes the intervention from 'spend less' to 'spend less on one thing.'

Frame this as finding the gap, not building a budget. 'You said you feel broke at the end of the month despite a good sa...