What if more income isn’t the solution to your money problems?

Heather Davis • October 13, 2025

Here’s what I’ve learned from my years coaching: more income won’t be the solution, because income isn’t the problem.


man holding four twenty-dollar bills fanned out in his hands

If you’re like most clients and families I work with, then you don’t really have an income problem. Your income is more than enough to pay the bills and spend day to day on needs and wants. 


You feel stressed when you look at your bank accounts and probably think, “if that promotion or raise at work would come through, or if I just had a few more clients in my business, then finances would be okay.”


I used to think this would solve most families’ financial problems too. 


Here’s what I’ve learned from my years coaching though: more income won’t be the solution, because income isn’t the problem.


You’ve been taught more income is the solution. 


In college when professors talk about expected income after graduation and you assume finances will be easy once you graduate and land that great paying job.


In culture when they talk about hustling and side gigs as if it’s normal and necessary for everyone to work overtime, get big bonuses, or have multiple jobs to make ends meet.


Don’t get me wrong. More income IS the problem sometimes. There are families where income is less than they need for basic living expenses.


And more income certainly CAN help if you want extra spending money, more to save for emergencies, or want to pay off your credit card faster.


But more income often leads to more of the same issues if you aren’t addressing the real problem.


So if income isn’t the problem, then what is? It could be a few different things. 


1. You may have a spending problem. 

If your income is good, but you constantly wonder where money went, then spending could be your problem. You may find yourself frequently shopping, buying things you don’t really need, or spending impulsively when you go to the store or browse on Amazon. You have lots of “stuff” in your home, but somehow find yourself bringing in more and more. You might have a habit of putting many of these purchases on credit cards to “pay off later.”


2. You might have a savings problem.

Feel like most months you're "okay" until a couple big expenses pop up at the same time and then you're stressed out? Maybe you’re able to save money each month, but think you should be able to save even more of that great income. And the money you do put in savings doesn’t seem to stick around long enough to grow. Before you know it, you’re having to take some out again and saving feels frustrating. 


3. Or maybe you have a debt problem.

You’re able to comfortably pay all minimum debt payments every month. Some months you even pay extra on one or two of them. If you’re honest, it probably feels like you’re paying extra on a whim or when your checking account balance shows you can “afford” it. Even with the extra payments, the debt balances aren’t really going down though. In fact, over the past couple of years, your total debt has probably increased and it stresses you out. Let's not think about the hundreds of dollars you’re paying each month in high interest.


What would it feel like to be in control of your spending? To tell your money where to go each month and spend money without feeling bad about it. If you had a simple system for saving money monthly, so you know what’s for true emergencies and what’s for upcoming expenses, like taxes. How great would it feel to have debt under control and have hundreds of dollars free each month to be more generous or save for your next family vacation?


If you keep focusing attention and efforts on the wrong problem, then finances will keep feeling stressful and frustrating. You won’t solve it until you get to the real root cause. 


You won’t get to the root cause until you have total CLARITY around your numbers and situation.


When you're clear on your numbers, you can make confident decisions that actually move you towards your goals instead of further away from them.


This clarity is the main goal of a Money Strategy Session with me. After you bravely share numbers, I get to work problem solving. When we meet online for your two hour session, I'll tell you what I see and help you to make sense of the numbers too. Together, we'll go through the options and decide which is best for YOU and the exact next steps you need to take.


Still not sure what’s causing your money stress, but know you make too much money to keep feeling this way? A Money Strategy Session could be your next step if you’re ready for change and for help. Schedule a complimentary Q&A call today to get any questions you have about coaching answered so you can get started. 


Christmas gnome figurine with a gold ornament and pine cone.

Debt-Free December: Planning a Christmas You Can Afford

By Heather Davis • September 22, 2025
No matter the size of your holiday budget, taking time to plan and be intentional with your money will set you up for a less stressful and overwhelmed holiday season. The holidays are more relaxing knowing it’s paid for and you won’t have a big credit card payment arriving in January!
Close-up of labeled glass jars filled with grains, beans, and pasta in a pantry, with a hand pointing at a jar of rice.

How to budget without the rice and beans mentality

By Heather Davis • September 4, 2025
“Sorry, we can’t go out to dinner tonight. Thanks for the invite though.” This became our standard reply when our young adult church friends asked us to go out most weekends. I might as well have told them the truth. “We’re married and budgeting together now and are cutting out lots of extras so we won’t be eating out much at all for the next several years.” The year before we got married, we had taken Ramsey’s FPU class at church. Neither of us felt we were “bad” with money, and yet we wanted to do better with money. Not long after we got married, we made a goal of paying down our home so we could build a home outside of the very small neighborhood we lived in. We didn’t know it at the time, but this goal of paying down our home would later allow me to leave my job to stay home with my firstborn son when he was a few years old. We became so focused on paying off the mortgage for the next several years. In hindsight, we felt like we said no to so many things during that time - eating out with friends after church, taking a nicer trip or family vacation outside of our usual yearly trip to the mountains, replacing an older vehicle that was starting to have lots of problems with another older one that didn’t really suit our needs but was a cheaper option at that time. I wish someone had told us then to chill out just a little! As I’ve reflected on our financial journey as a married couple, the first decade we were mostly stuck in an “all or nothing” mentality when it came to budgeting and how we viewed our finances. Like many people, we had the thought that good money management meant 100% focused on our goals; otherwise, we would be going in the opposite direction. Little by little since meeting that first big financial goal several years ago, we’ve realized how exhausting it was at times to be so goal oriented. We were clearly going to meet our goal, but maybe we would have enjoyed life a bit more if we had relaxed some. We needed better balance between focusing on our goal and being flexible enough in our budget to account for some spontaneous fun. The thing is, I didn’t even realize we had been stuck in this all or nothing thinking until a few years ago! As I’ve learned and applied more coaching skills with my clients, received coaching for my own business, and have grown alongside my husband, I’ve noticed a shift in our mindset around money. We no longer see managing money as all or nothing. No more bare bones or rice and beans mentality. There’s freedom in spending in a way you can afford, on what matters to you, without the guilt! We thought we liked budgeting back then, when we were hyper-focused on our goal, and the past few years of finding this balance has felt even better. We’ll never go a week without our plan for our money. If you’re tired of feeling like your finances have to be one extreme or the other and think budgeting has to be restrictive and boring to meet your goals, then I’m here to offer the middle. In this middle, you learn how to spend and save intentionally, on things that matter to you, while having the freedom to also spend in a way you can afford without the guilt. It’s been so freeing to learn this and I love helping my clients learn to manage their money without the all or nothing mentality too. You don’t have to give up all the things you enjoy in order to save or pay off debt. It’s possible to do both. Here’s how to budget without the rice and beans mentality: Focus on WHY you want to budget and get control over your finances. Is it because you want to be less stressed, on the same page with your spouse, able to do something that you can’t do right now with the current low savings or high debt? Getting clear on WHY and having a strong why is the best motivation for sticking to your plan. …. And you don’t have to be so restrictive. YOU get to choose the numbers you use. What’s your goal and timeline? Are you wanting to pay off that high interest credit card debt as fast as you can? Or do you want to save and finally have an official emergency fund over the next several months? Based on the timeline you’re aiming for, what do you need to do to achieve that? Do you want to trim back or go bare bones for a few months to knock it out quickly? Or would you still meet your goal if you budgeted in a little fun along the way? Budgeting in fun is also a grea t way to stay motivated. What numbers do you need to budget for in order to meet that goal and timeline? You get to choose the spending limits. You can make them more restrictive for a time as needed or you can allow more flexibility. You can decide eating out isn’t that important to you so you’re willing to decrease spending for a time in this area. This allows you to put more money towards your goal each month. There’re no right numbers. Only numbers that work best for you and your family. I’ve seen it time and again with our budgeting for well over a decade now and with dozens of clients. Budgeting can be fun and it doesn’t have to feel restrictive! You can be intentional with your spending and still enjoy your life too. And when you find that middle ground? You don’t have to worry about sticking to a budget. You’ll want to stick to your plan because it’s that freeing, fun, and rewarding. You won’t go another week without it.