AMG Consulting
Financial Coaching

 

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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?
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  • 2. Do I have a budget that actually works and that I can stick to?
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  • 3. Am I able to comfortably pay all of my bills on time,  every month?
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  • 4. Am I comfortable with what will happen to my family financially if I were to die?
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  • 5. Do I have a plan to pay off my debt?
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  • 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!   

Title: Navigating Financial Harmony: A Guide for Young Couples

 

Embarking on life's journey together as a young couple is exhilarating, but it comes with its share of challenges, particularly when it comes to managing finances. Money matters can often strain relationships if not handled wisely. However, fear not, for as a financial coach, I'm here to guide you through the maze of financial management and help you pave the way to a harmonious financial future.

 

1. **Open Communication:** The bedrock of any successful relationship, especially in financial matters, is open communication. Sit down with your partner and have an honest conversation about your financial goals, aspirations, and concerns. Discuss your spending habits, debts, and any financial obligations you may have. This transparency lays the foundation for trust and understanding, essential elements for financial success.

 

2. **Budgeting Basics:** Learning how to create and stick to a budget is paramount. Together, we can analyze your income, expenses, and savings goals to craft a realistic budget tailored to your lifestyle. By tracking your spending and adhering to a budget, you'll gain control over your finances and ensure that you're living within your means.

 

3. **Debt Management:** Many young couples find themselves juggling various debts, from student loans to credit card balances. One effective strategy we can implement together is the debt snowball method. This approach involves prioritizing your debts from smallest to largest regardless of interest rates. By focusing on paying off the smallest debt first while making minimum payments on others, you'll experience quick wins and gain momentum. As your financial coach, I'll work with you to develop a personalized debt repayment plan, providing encouragement and accountability every step of the way. By harnessing the power of the debt snowball, you'll steadily eliminate your debts and move closer to financial freedom.

 

4. **Saving for the Future:** Planning for the future is crucial, whether it's saving for a down payment on a house, starting a family, or building an emergency fund. Together, we can set achievable savings goals and explore investment opportunities to help your money grow over time. By instilling the habit of saving early on, you'll be better prepared to handle life's inevitable financial curveballs.

 

5. **Continued Education:** Financial literacy is an ongoing journey. As your financial coach, I'm committed to providing you with the knowledge and resources you need to make informed financial decisions. From understanding investment options to navigating tax implications, I'll empower you with the skills to navigate the complex world of personal finance with confidence.

 

In conclusion, while managing finances as a young couple may seem daunting, it's entirely achievable with the right guidance and support. As your financial coach, I'm here to empower you to take control of your financial future, so you can focus on building a life together filled with love, happiness, and financial security. Together, let's embark on this journey towards financial success!