Spending Category Overview

A 45-year-old regional sales director recently went through a divorce. His household income stayed roughly the same — he earns well — but his fixed costs restructured completely: new apartment, new insurance, new single-income reality for expenses that were previously split. He is not in financial distress but he has a persistent sense that money is going somewhere he can't account for. He has never reviewed his spending by category. He came to coaching to work on the transition broadly, and financial confusion emerged as a current stressor. The Spending Overview is introduced as a first-pass inventory: eight spending buckets, one month of actuals, a grand total. Not a budget — a map of what's actually happening.

Frame this as making the invisible visible before making any decisions. 'You've restructured your financial life in the ...