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ABOUT MONICA

A Life and Practice Built Around Financial  Freedom, Growth, and Meaningful Connection

Learn more about Monica, her perspective, and the experiences that shape the work she brings to audiences and clients.

Monica Wales financial coach speaker and business owner Spokane Washington
MORE OF MY STORY

My Money Story

"Approximately one in three American adults who have ever been married has experienced divorce. (Pew Research Center; Barna Group)"

I was one of them.

In 2009, I walked away from my marriage with my car and my wedding ring. That was it.

 

It took over a year of renting and saving before I was able to buy a house of my own. And when I did, I stretched myself too thin. I couldn't cover all my bills. I turned to credit cards. And from there it was a slow downhill spiral that I didn't know how to stop.
 

When I met Kent, I came into the relationship carrying a weight I hadn't fully named yet. Guilt. Shame. A financial picture I was afraid to show anyone, including myself.

Thankfully, we worked through it together. We paid off $147,000 in debt. We rebuilt. And that experience became the foundation of everything I teach today.
 

But not every woman has a partner to rebuild with. And the financial aftermath of divorce is not equal. Women's household income drops by an average of 41% to 50% after divorce, nearly double the decline men experience, and roughly one in five women falls into poverty as a result. (Creative Planning; Central Bank; University of Michigan Population Studies Center).
 

Most financial systems were not designed with women in mind. Knowing that changes how you navigate them. Understanding the numbers, owning your financial story, and building wealth on your own terms is one of the most powerful acts of empowerment and self-love a woman can make. Let’s do this!

WHAT I BELIEVE

How I Work With People

Everyone deserves a seat at the table

Coaching is for every income, every family shape, every starting point — whether you're rebuilding after debt or growing a business.

Plain Language Only

If you need a finance degree to understand your plan, it isn't a good plan. Everything gets explained until it's genuinely yours.

No Shame, ever

Money carries history. We look at the numbers with curiosity instead of judgment, and we start exactly where you are.

Values Before Spreadsheets

Budgets fail when they fight your life. We define what matters first, then build the numbers around it.

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