Prior to joining Raya’s 1-on-1 coaching program, I was earning more money than I ever had, but was still racking up debt and not sticking to my budget. I felt like I was living paycheck to paycheck despite my income.

Once I started with Raya, so many things changed! I think one of the biggest impacts my time with Raya had on me was my mindset around money. She really helped me find a balance between meeting my financial goals while still doing some of the things I enjoyed. I operate with an all-or-nothing approach when it comes to most things in my life and Raya really challenged that by helping me see that sometimes the best way to make progress is to little steps at a time.

Since starting my work with Raya I've increased my investment in retirement, consolidated my 401(k) from previous jobs, paid off my car loan early, rebuilt my savings, and am sticking to my budget. I've also started a small business and the principles I've learned from Raya are really helping me to manage my business well. Overall, the results I've seen in such a short period of time are really motivating and helping me to meet my financial goals much sooner than I thought.

I highly recommend this program to anyone, but you should be ready for change and open to feedback. Raya is one of the kindest people and part of that kindness is that she'll challenge you and hold you accountable to the goals you've set for yourself. It was a game-changer to have her cheering me on, holding me accountable, and helping me become more self-aware. If you're thinking about it, just do it!

Before Raya, my money was chaotic, and unmanaged. It gave me a lot of stress to even think about and I avoided looking at my accounts. Since Raya, I now diligently keep track of my spending and am mindful of expenses. I feel that I have control over my money. I have seen how tracking my expenses and owning my financial decisions can transform my attitude around money and help me experienced abundance while actually saving more money. If you're thinking about working with Raya, you won’t regret it — just do it and don’t look back! Raya is so genuinely caring and supportive while also being willing to push you to best serve your own financial needs and build healthier spending habits.

Before working with Raya, I was trying to find my footing after divorce. Over the course of the program, I gained a lot of financial confidence and was able to make good financial decisions during a tough transition. I wanted to work with Raya to set a new foundation after a divorce and I feel like I was absolutely able to do that. I worked through some old money ideas and patterns that were holding me back and feel so much more confident and comfortable making my own financial decisions. Thinking of working with Raya? When you know the time is right, do it! I followed Raya for years and knew that I needed to sign up for her program as soon as I was able to make my own financial decisions! I'm so glad I did. I'm so glad I did this program, and am so excited about the tools I learned to build a strong foundation for my future and for my son's future.

Before Raya, I was unclear on how to track every day expenses while paying down debt. I knew I still needed to eat, feed the dogs, take the dogs to vet but I didn't have a flow or system for it. Now, I am more confident that yes I put aside the money/budgeted for buying dog food, or "Yay! I saved money for an emergency vet visit." I don't feel guilty about eating out because I budgeted for it. I'm gaining more confidence the more I do it. I feel more in control now.

I have a clear debt repayment plan. It will help me sleep at night and to also cut the cycle of reloading myself with debt just because I have the bandwidth for it. Now that I got the bird's eye view of my finances, I know where I wanna go next. I realized I'm paying $3,500 towards debt each month and now I think of all the possibilities of having that extra cash each month, like traveling or actually having 6 months worth of living expenses should I wish to quit my job and pursue something I'm more passionate about.

The coaching program was so worth it. Raya is such a caring person and never judged me and provided me the space I needed to talk real about how I feel about money. She helped uncover some traumas behind it and how to overcome those. Awareness is key, but without action, it's pointless.

The budget Raya created for me will help me reach my goals. It was great to have a neutral 3rd party look over your finances and tell you where you can do better. I feel empowered knowing what I can do moving forward.

Before I started Raya’s coaching program, I had zero concept of what my financial situation was like. I knew I could pay my bills each month but that was about it. I was making "small monthly payments" on all of my debt but it wasn't getting me anywhere. It was so disheartening. I thought it was always going to be like that. I felt embarrassed and ashamed of where I was financially, like I should've known better. Until I started working with Raya I didn't realize how my own life events and my views on security and stability were affecting my money and spending habits.

Once I started with Raya I finally faced the emotional issues I had with money. I've always worried about not having enough cash on hand so I was putting all my expenses on a credit card. I knew I was piling on the debt but as long as I had cash I felt secure. Raya made me realize that real security is having a true understanding of where my money is going, how I can make my money work for me, how I can budget and still have the financial freedom to do what I want to do. I feel so much more confident now that I have my finances under control.

Taking control of my finances has taught me that staying within budget doesn't mean I have to sacrifice my lifestyle, controlling my finances has actually made my life better! I feel more confident. I'm not worried about money like I had been in the past. I was able to go on a week vacation with my family and pay for it all with cash from my "fun account." In less than 10 months from now, I'll have paid off over $50,000 in debt! I'll have over $4,000 extra each month once I don't have to pay down debt every month. That's over $4,000 just for me! That realization was mind blowing.

If you're scared to go with a coaching program it's most likely a clear sign that you need it. That first deep look into your finances can be scary and honestly, I was embarrassed to have to share my finances with Raya. I'm a professional, well educated, independent person, I guess I thought I should've known better than to get into such debt. Unless someone shows you how to truly budget and create a financial plan just for you, how will you know? I almost had to laugh once Raya sent me my own financial plan, it was so simple to follow and made my life so much better!

I am so appreciative that I can still reach out to Raya even after my program was completed. It's nice to be able to share my little financial victories with her because she knows how I felt about money and how this wasn't just a financial exercise for me but also an emotional one. Thank you for looking at my big picture and not just my bank account. It was half therapy and half financial planning! THANK YOU!

Prior to starting the coaching program with Raya, my financial situation was all over the place and disorganized. Raya is like a magician! I was not working at a full-time capacity and I was able to save money for rent and still pay all my bills without touching my savings! Working with Raya made me think of my long-term financial goals in a way that I never have before. I knew that budgeting was the best, but since Raya’s program, I now SEE how my financial situation can change and improve with consistent budgeting. My advice for anyone thinking about working with Raya: GIRL, DO IT TODAY!

Before working with Raya, my financial situation was unorganized, overwhelming and stalled. My time working with Raya gave me a clear and organized picture of my finances. My savings has increased and my student loan balance is slowly decreasing. I am clear about my expenses and where my money is going. Having the tools from Raya will encourage me to continue budgeting and tracking my expenses on my own. If you’re considering Raya’s coaching program, definitely do it!! It will put on the right track to get your finances in order. Raya was non-judgmental, caring, informative, encouraging and supportive throughout the entire process.

Before Raya, my financial situation was bad. Low credit score. Constantly in overdraft & in debt maxing out all my credit cards. Once I started working with Raya, I got the structure that I needed with my finances. I'm now accountable for my spending and lost the fear I had with money. I feared looking at my account & now I’m able to save money. Since the program, my credit score has increased so much and I’m now able to be approved for so many things (like my own apartment) now. It's amazing what we accomplished in 3 months of working together. If you’re considering the program, DO IT! It may seem scary at first, but it has been an amazing experience. The changes I went through in 3 months have no price! I was able to clear out 3 credit cards to $0 balance and by next month will clear out another 3 cards & be debt free!! When it comes to Raya, I appreciate her guidance, patience, understanding and her overall wonderful spirited approach to finance. I want her to keep being herself and bringing that honest loving energy that she brings to every call. She is amazing to work with and even when I slipped into my "old ways" there was no judgment, just guidance on how to get back on track. She is real & a beautiful person inside and out!

Before I started with Raya, I was in debt which resulted in me having fair credit, had little to no savings, no money set aside for an emergency fund, no retirement set up and a huge out of control spending habit. Since working with Raya, I felt super motivated to make true positive changes in my financial situation right away. And by tracking my spending daily through her program, I was able to see where my money went and how much. I also discovered the reason behind my uncontrollable spending habits which turned out to be more of an emotional journey than a financial one.

Throughout my time in the program, I have been able to pay down some debt while paying off others, raise my credit score, build up my savings to allow for unexpected emergencies, set up a retirement plan and get my spending under control. Having such awesome results in a short amount of time and knowing that I am capable of such success will help me continue moving forward in achieving financial goals and leave a legacy. If you’ve been thinking of working with Raya, Just. Do. It. It doesn't matter where you start, only that you do start.