By Tokiso TKay Nthebe
We all have a relationship with money—whether it’s good, bad, or somewhere in between. In today’s fast-paced world, it can feel overwhelming trying to keep up with daily expenses, plan for the future, and still feel like you’re in control. The pressure to “have it all together” financially is real, and many of us struggle to stay on track despite having the best intentions.
You may have set clear financial goals—like saving for emergencies, paying off debt, or starting to invest—but sticking to the plan can be tough. That’s where a financial coach comes in.
What is a financial coach?
Think of a financial coach as your money mentor. Unlike traditional financial planners who focus mostly on products and investment advice, a financial coach supports you in developing the skills, mindset, and habits needed to reach your goals.
A coach walks with you on your money journey, helping you uncover your financial blocks, set goals, and stay accountable. At TKO Financial Wellness, our approach is about empowering you—not just telling you what to do but helping you understand why you do what you do with your money and how to change it.
How can working with a financial coach help you?
If your finances feel cluttered or you’re unsure what to prioritise, working with a financial coach can provide clarity, structure, and motivation. Here’s how:
1. Clarify Your Financial Goals
A financial coach helps you define your short-term and long-term goals, rank them by priority, and create an actionable plan. Whether you want to build an emergency fund, pay off debt, start investing, or launch a side hustle, your coach will guide you every step of the way.
2. Explore Your Money Beliefs and Values
We all carry money stories from our past—beliefs shaped by our upbringing, culture, and life experiences. These stories influence how we earn, save, spend, and invest.
A financial coach helps you uncover these subconscious beliefs, challenge the ones holding you back, and align your financial planning with your values and lifestyle.
3. Improve Financial Habits and Behaviour
Many people know what they should be doing with money—but struggle to follow through. That’s because of deep-rooted habits and behaviour patterns.
A coach helps you identify those patterns—like impulse spending or avoiding budgeting—and replaces them with healthier habits that support your financial growth.
4. Learn Practical Money Management Skills
Working with a coach is also about learning the basics of money management. This includes budgeting, debt repayment strategies, building savings, planning for irregular income, and even beginner investing.
As your financial literacy grows, so does your confidence in making better money choices.
5. Accountability and Financial Confidence
Managing money can feel lonely and overwhelming. But when you have someone in your corner—cheering you on, holding you accountable, and helping you stay consistent—you’re more likely to succeed.
A coach becomes your accountability partner, motivating you to take action and make progress. This support system builds confidence and reduces the anxiety around money.
Real Talk From a Financial Coach
As a financial coach and founder of TKO Financial Wellness & Advisory, I’ve seen how powerful coaching can be. Many of my clients start their coaching journeys feeling stressed, confused, or stuck. By the end, they’re confident, informed, and in control of their money. They’ve learned to enjoy their money adventures while staying grounded in their goals.
If you’re serious about transforming your finances and developing a healthier relationship with money, working with a financial coach might be the best investment you make in yourself this year.
About the Author
Tokiso TKay Nthebe is an author, podcast host, financial coach, and advisor at TKO Financial Wellness & Advisory, passionate about financial education, financial planning, and supporting individuals on their journey to financial wellness.
Start your money adventure today—visit www.tkofinancialwellness.com or email info@tkofinancialwellness.com to learn more.
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