Money Made Simple · January to April 2027
You earn good money, so why does it still feel tight?
A 4-month group coaching program for career-driven professionals and couples who earn good money but still feel behind. Together, we'll build a simple money system that runs on payday, so you can stop worrying about money all the time.
Founding cohort: Join by October 31 for the lowest monthly payment and 2 bonus private sessions.
From $256/month when you join in October. Same price for individuals and couples.
Sound familiar?
Smart, successful, and still stressed about money
- You make good money, but it's gone before the next paycheck.
- You feel behind compared to people your age.
- A surprise car repair or the holiday season wipes out your progress.
- You've tried budgets and apps, and none of them stuck.
- You and your partner aren't on the same page about money.
- You keep hoping the next raise or bonus will finally fix it.
You’re not alone, and it’s not your fault
When I speak to rooms full of smart, successful professionals and ask who stresses about money or feels behind, almost every hand goes up.
I know that feeling, because that was me. Even with six-figure incomes, my husband and I were carrying more than $200,000 in debt.
That’s when I learned that making good money and working hard does not equal financial freedom.
We paid off the debt. As friends and coworkers started asking how we did it, those conversations became The Money Chica, and they’re why I created this program.
That’s what I want for you. And you don’t have to figure it out alone.
Karen Calderon, The Money Chica · Read my full story
What you'll walk away with
By April, money feels calm, clear, and planned
- A clear picture of exactly where your money is going
- A simple system that runs on payday and takes about 15 minutes
- Money set aside for surprise expenses, so they stop being emergencies
- The skill to plan months ahead, not just until the next paycheck
- Habits that stick, with a community cheering you on
- Confidence and peace of mind in place of money stress
Most clients tell me that around the second or third month, they stop thinking about money constantly.
Included for everyone
Coaching, tools, and a community that keeps you going
Your personal Money Plan
A Money Plan spreadsheet built for you, around your paychecks and your bills.
8 live group coaching calls
Two 1-hour calls a month, January through April. Can't make it? Watch the replay.
Step-by-step lesson library
Short video lessons and guides on Circle, on your computer or the phone app.
Weekly accountability check-ins
A quick weekly check-in to keep you on track between calls.
Quick-question support
Regular access to me for quick questions, so you have steady support between calls.
Guest expert session
A special session with a guest money expert, announced during the program.
Real results
What changes when your money has a plan
“It felt intimidating and overwhelming to me at first, but I’m so glad I made the investment.”
“Even though I kept making more money, I still felt the same about money.”
Client results vary and are not guaranteed. Read our results disclaimer.
Founding cohort pricing
Choose how much private support you want
Both options include everything above. VIP adds more private time with me.
Basic
4 months · $1,788 total
- 2 private 1-on-1 sessions with Karen: one to build your Money Plan, one at the midpoint
- 8 live group coaching calls
- Your personal Money Plan spreadsheet
- Lesson library, weekly check-ins, and quick-question support
- Guest expert session
VIP
Only 3 spots4 months · $3,388 total
Everything in Basic, plus:
- 6 private 1-on-1 sessions with Karen (instead of 2)
- Priority support: Message me directly
- A follow-up session after the program ends
How the payment plans work
Every payment plan ends in April, when the program ends. Join sooner and your total is spread over more months. Early joiners also get bonus private sessions before we start.
Basic
$256
a month, 7 payments
VIP
$484
a month, 7 payments
Bonus
2
private sessions in November and December
| Join by | Payments | Basic | VIP | Bonus sessions |
|---|---|---|---|---|
| October 31 | 7 (Oct to Apr) | $256/mo | $484/mo | 2 (Nov + Dec) |
| November 30 | 6 (Nov to Apr) | $298/mo | $565/mo | 1 (Dec) |
| December 31 | 5 (Dec to Apr) | $358/mo | $678/mo | None |
| January | 4 (Jan to Apr) | $447/mo | $847/mo | None |
Monthly amounts are rounded to the nearest dollar. Your total stays the same no matter when you join: $1,788 for Basic, $3,388 for VIP.
What happens when
Your four months, step by step
- Now to December
Get set up
Join Circle, fill out your Money Prep Worksheet, and use your bonus sessions if you joined early.
- January
Build your plan
Your Money Plan session with Karen, our kickoff call, and opening your new accounts.
- February to March
Make it a habit
Payday routines, savings for surprise expenses, and your midpoint 1-on-1 check-in.
- April
Plan ahead
Plan months ahead, check your budget with confidence, and set your next goal.
This is for you if…
- You earn good money but still live paycheck to paycheck
- You're ready to make real changes, not just read about them
- You want a simple system, not a complicated spreadsheet hobby
- You'd like to get on the same page with your partner about money
- You want support and accountability from people going through the same thing
It's not for you if…
- You want someone else to manage your money for you
- You're looking for investment picks or a get-rich-quick plan
- You mainly need help with business finances
Questions
Good to know
Do I need to be good with numbers?
Not at all. I build your Money Plan spreadsheet for you, and every lesson walks you through each step. If you can check your bank app, you can do this.
Can my partner join with me?
Yes! Couples join together for the same price. We build your Money Plan around your shared finances, so you can finally get on the same page.
What if I miss a group call?
Every call is recorded and saved in Circle, so you can watch the replay anytime.
Do I need a computer?
No. Circle works on your computer and as a free app on your phone.
How do the payment plans work?
Your total is split into equal monthly payments that end in April. The earlier you join, the more months you have, so each payment is smaller. Prefer one payment? Pay in full and save $91 on Basic or $191 on VIP.
Does this cover business finances?
No. This program focuses on your personal finances. If your business and personal money are tangled together, book a free call and we’ll talk about it.
Is this financial advice?
No. This is financial coaching and education. I don't give investment, tax, or legal advice.
“The hardest step was saying, ‘Hey, I need help.’ But once you get over it and do it, it’s such a relief.”Gloria, Money Made Simple client
You don't need to have it all figured out, you just need to start.
Founding cohort spots are open now. We start in January 2027.
Questions? Email us at
support@themoneychica.com