Where do you go, and who do you talk to, when you have questions about money?

I read an article yesterday which said that 79% of Gen-Z and Millennials get their financial advice from social media. (Source) And I think that’s pretty telling.

I’ve already gone into how much information is out there on the internet for people to take in regarding their personal finances. As a matter of fact, I think it’s a great place to start. It can expose you to different ideas and perspectives, while also allowing you to “play it safe” by not speaking to someone and exposing your financial situation.

But while there are hundreds of millions of search results for how to pay off debt and several businesses, coaches, and organizations sharing information about how to pay off debt, our country still just recently passed $1 trillion in credit card debt alone. (Source)

I’ll say it again: it’s not because of the lack of information.

So then what is it?

My guess…it’s because of the lack of demonstration.

I would imagine that most people reading this would say something like, “Well, you don’t know my situation,” or, “You don’t know what happened to me.” And you’d be right. I don’t.

And that’s my point.

Because what I do know is that your situation and what’s happened to you is unique. Sure, it may have been a result of the same inciting incident as someone else; but I can tell you, with certainty, that the two are not identical.

And the blogs, websites, videos, articles, TikTok videos, IG reels, etc. can’t be specific to your situation because they don’t know your situation. We (speaking as a coach on social media) can only speak to generalities and patterns for our audience. We can definitely share our thoughts on a specific topic or situation; but at the end of the day, no matter how much information you consume on personal finance, none of it becomes tailored to you until you actually speak to someone.

But who actually speaks to someone else about money?

I’m glad you asked!

It turns out that a recent survey was conducted by Empower which verified that money is still a highly taboo topic in the United States. The survey discovered that 62% of people do not talk about money at all, and 46% of them don’t even talk about money with their spouse. (Source)

Even searching “why don’t Americans talk about money” yields 439 million results on Google. And a blog post I recently wrote is one of those many, many results.

But reading a blog, listening to a podcast, or watching a video on social media is not the same as actually talking about money. It’s creating awareness and sure, you’re learning when you take in that content, but what about implementation? Because remember - over 60% of the country is still living paycheck to paycheck.

So this brings me back to the initial question: why would you hire a financial coach?

And I would reply, “Why wouldn’t you hire a financial coach?”

It’s like having a tailored roadmap to help you navigate your unique financial situation. It's that friendly, expert voice in your corner, not just offering advice from the sidelines, but actively working with you to address your specific challenges and goals.

Because a financial coach isn't just about providing information (we’ve already covered that); they're your collaborator in turning that knowledge into action. They help you break down those financial barriers, navigate those tricky turns, and stay on course. In a world where money talk is a no-no, a financial coach becomes your trusted confidant, someone who isn't there to judge but to empower.

Think of it this way: You could read countless books on fitness, watch countless workout videos online, but without a personal trainer who understands your unique body, needs, and goals, your progress might be slow and uncertain. Hiring a financial coach is like having a personal trainer for your money, helping you sculpt your financial future in a way that's sustainable, effective, and uniquely yours.

So, why hire a financial coach?

Because your financial journey is worth personalized guidance, because your goals are worth a dedicated partner, and because your financial success is worth the investment in yourself.

Because you’re worth it.

And they can help you point the compass in the direction of your dreams.

That’s why.

Stay Curious,

Kyle