AMG Consulting
Financial Coaching

 

Are you ready for us to Help YOU WIN with Money?
Prefer for us to reach out to you? 
Name *
E-mail *
Phone *
Message *

Why I Do What I do

I have a heart to help people. Seeing this great need that we have in our country has propelled me to take action and try to help other people get out of the mess our country has put us in. People all around are hurting, and finances are a major pain point for many families and individuals. If I can play even a small part in helping people gain some hope and relief in this area of their lives, I will feel very satisfied. 

 Financial Stress is affecting nearly 7 out of 10 people in America today. 

If this sounds like you, that just means you are normal. Unfortunately, normal in America means broke.  Normal is living paycheck to paycheck, having little or no savings, feeling overwhelmed by debt payments, and really, just having an overall feeling of hopelessness regarding your financial situation.

 

There is GOOD NEWS! IT DOESN'T HAVE TO BE THIS WAY! 

 

I am here to provide you with competent budgeting services, educated and judgment-free finacnial coaching to help you get ahead. I will walk with you through a plan so that we can reduce debt and gain freedom by implementing proven debt reduction plans! As someone who has personally lived this plan, I am a living testimony that it works!
 

If you are tired of living under constant stress because of money issues, I'd love to talk with you about how I can help you gain peace of mind in your financial life. 

What is Financial Coaching?

As a Financial Coach, my number one goal is to help my clients win with money. This can mean something different to each individual. My training has helped me gain immense knowledge in several key areas relating to personal finance. Including: Debt management, Savings goals, retirement & estate planning, foreclosure & reposession avoidance, home purchase preperation, student loan repayment and more! 

 

To find out if I can help you, here are a few questions to ask yourself:

 

  1. 1. Do I have clear goals regarding my financial future?
  2.  
  • 2. Do I have a budget that actually works and that I can stick to?
  •  
  • 3. Am I able to comfortably pay all of my bills on time,  every month?
  •  
  • 4. Am I comfortable with what will happen to my family financially if I were to die?
  •  
  • 5. Do I have a plan to pay off my debt?
  •  
  • 6. Could I cover a $500 unexpected expense without relying on credit cards or loans?


If you answered "No" to any of these questions, a good financial coach could really help! I am confident that I can help you get where you want to go by helping you get on a PROVEN PLAN so that you can WIN with money. Whether you make $30,000 a year or $100,000+ THIS PLAN WORKS.

 

My Story

Personal Image of myself
Ramsey Financial Master Coach

I Get It... I've Been There...

My name is Austin Garcia, If you are looking for perfection, you won't find it here. I have made so many bad financial decisions in my life that I am simply not proud of. Like most people, I was never taught a proper way to budget or handle my finances. Growing up money was not a subject often talked about and when it was, it was for all the wrong reasons. As I grew up and had to begin making my own financial decisions, I have made my share of bad ones. From credit cards to car loans I have been there. At about 25 years old, I had my "dream car", an almost-new 2017 Dodge Charger. The car was beautiful and I absolutely LOVED it. It was fun to drive and gave me a sense of pride. I had worked hard to build my credit and I felt I "deserved" a nice car. My love for the car began to change a little bit when I lost a job and the $500+ a month the car was costing me was causing me to not know how I would even get all the bills paid. Suddenly that beautiful car was the focal point of my stress and problems. Was I going to feed my family and keep the lights on, or drive a car that I really liked? This is what I call my "I've had it" moment. It was around this time I was introduced to the Dave Ramsey plan and I began to get serious about taking control of my finances. I traded in that nice red 2017 Dodge Charger for a plain white Chrysler Mini-Van. Talk about an ego killer. My debt instantly went from $23,000 to a much more manageable $6,000 though. By following the plan, I was able to quickly get the van and our credit cards paid off. Just over a year had passed since my "I've had it" moment of not knowing how I'd put food on the table, and I was completely DEBT FREE and feeling so much relief. Fast forward to where we are today, I was able to go back to school and cashflow my way through. By the grace of God, my family is still debt-free, we have a fully funded emergency fund, and we have started investing for our future. You can do it too!   

 

5 Ways to WIN with Money Today

 

 

Title: 5 Ways to Win with Money Today

 

In a world where financial stability is increasingly elusive, mastering the art of managing money is crucial. Whether you're aiming for long-term wealth or simply seeking peace of mind, implementing practical strategies can make a significant difference in your financial journey. Here are five actionable ways to start winning with money today:

 

1. Create a Budget and Stick to It: Budgeting is the foundation of financial success. Take the time to track your income and expenses meticulously. Allocate your funds wisely, prioritizing essential expenses such as rent, utilities, groceries, and debt payments. Set realistic limits for discretionary spending on non-essentials like dining out or entertainment. Sticking to a budget empowers you to live within your means and avoid unnecessary debt.

 

2. Build an Emergency Fund: Life is unpredictable, and unexpected expenses can derail even the most carefully crafted budgets. Establishing an emergency fund provides a financial safety net when facing unforeseen circumstances such as medical emergencies, car repairs, or job loss. Aim to save at least three to six months' worth of living expenses in a readily accessible account. Start small if necessary, but make consistent contributions until your emergency fund reaches its target.

 

3. Eliminate Debt: Debt, such as credit card balances or payday loans, can drain your finances with exorbitant interest charges. Prioritize paying off these debts aggressively to free yourself from their burden. Consider utilizing strategies like the debt snowball method to systematically tackle your balances. By paying off small loans first you will free up cash to put toward other loans.

 

4. Invest in Your Future: Building wealth requires more than just saving money; it also involves investing wisely. Educate yourself about different investment vehicles, such as stocks, bonds, mutual funds, and real estate. Take advantage of employer-sponsored retirement plans like 401(k)s or individual retirement accounts (IRAs) to save for the future while benefiting from tax advantages. Start investing early to harness the power of compounding and maximize your long-term returns.

 

5. Practice Smart Spending Habits: Cultivating mindful spending habits is essential for sustainable financial health. Differentiate between needs and wants, and resist impulse purchases by implementing a waiting period before buying non-essential items. Look for opportunities to save money through strategies like comparison shopping, using coupons or cashback apps, and negotiating better deals on recurring expenses like insurance or utilities. Small adjustments in spending habits can yield significant savings over time.

 

In conclusion, winning with money is achievable through deliberate actions and disciplined habits. By creating a budget, building an emergency fund, eliminating high-interest debt, investing for the future, and practicing smart spending habits, you can take control of your finances and pave the way toward a brighter financial future. Start implementing these strategies today and watch as your financial well-being transforms for the better.

 

 

money stacked up

 

As a financial coach, Austin Garcia offers personalized guidance and expertise to empower individuals on their journey to financial success. With Austin's tailored coaching strategies, you can gain clarity on your financial goals, develop actionable plans to achieve them, and overcome any obstacles standing in your way. Austin's approach focuses on building a solid foundation of financial knowledge, instilling healthy money habits, and providing ongoing support and accountability to ensure sustained progress. By working with Austin, you'll not only gain practical skills for managing your finances effectively but also cultivate the confidence and mindset needed to navigate the complexities of the financial world with ease. With Austin Garcia's financial coaching, you can unlock your full potential and truly win with money. 

 

You can schedule a free consultation to get started HERE.