The purpose of The Many Faces of a Financial Coach blog series is to inspire up-and-coming and veteran coaches alike. Our mission is to show the beautiful uniqueness to coaches overall while telling their story, describing their niche and allowing them to offer tips & advice to other coaches. Profiles of coaches are not necessarily participants or graduates of the Financial Coach Academy training program (although some are). It’s purely for inspirational purposes only.


Kacy Smith


When did you start your Financial Coaching business? 

August 18, 2018 

Tell us about your journey to becoming a financial coach.

My journey began right in my own backyard.  My husband and I found ourselves knee deep in debt.  $68k to be exact.  We had numerous loans, car payments, and credit cards.  With a little direction, a sound budget, and a common resolve, we were able to get out of debt in 17 months.  This was the first time in our 28 year marriage that we were debt free.

We built so much momentum paying off our debt that I wanted to show others what we were doing.  I started helping family and friends as a hobby on the weekends.  Then, the more the word got out, the more people reached out for help.

At the time, I had been working at a school for the last 17 years, but it became clear to me that after coaching part time for 9 months, that I could not keep up both jobs.  That’s when I decided it was time to leave my current job and coach full time.

Why did you become a financial coach?

I love to see people win with money!  To see them free up their financial life so that they can bring their goals and dreams to fruition. (and see above)

Who is your ideal client? What is the main problem you help your clients solve?

I am currently helping individuals, couples, and businesses organize their finances, learn a better way to handle their money, teach them the process to speed up debt pay off, and create more cash flow. 

What is a strategy, tip or piece of advice you give your clients often?

The food budget is the ONE area of the budget that is negotiable.  Other things such as mortgage, rent, car payments, are not negotiable items.  They are a set amount every month.  So if I can get my clients to take notice of their food category and reign in areas such as Eating out or Dining out, then that’s one way we can save the most and get the fastest traction to reach their goal.  Because most times, this is the area the is the budget buster.

What is a strategy, tip or piece of advice you could give to other financial coaches?

Don’t stop believing that you can do this.  It takes daily effort, with a lot of intention to continually move forward and get to where you want to be. One client at a time.  Do it scared!  Practice, practice, practice!   Know your material.  Always embrace continuing education.  Strive to know more and do better.  Because when you know better, you do better.  Have a mentor! 

What is one thing you learned the hard way when it comes to being a financial coach?

To not be offended when you get a “NO!”  We will often start to question what we’re doing wrong when in fact, we probably aren’t doing a darn thing wrong.

Anything else you’d like to add?

I started with a dream that quickly turned into a hobby, then quickly turned into a full on legit business.  If I can do this, anyone can!  Just do it!  You’ve got nothing to lose.

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