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YNAB Certified Coaching

Whatever your money story is, this is a safe place to rewrite it.

No judgment, just progress.

Whether money feels overwhelming, scattered, or ready for the next level, I'll help you build a budget system that actually works. In person in Sacramento or remote, in English or Spanish.

Get started Book a free intro call
92%
of YNABers feel less money stress after starting
Source: YNAB
$6,000
average saved by users in their first year
Source: YNAB
90%
say their finances are in a better place since starting
Source: YNAB
What is YNAB?

A budgeting app that changes how you think about money

YNAB (You Need A Budget) is budgeting software built on one simple idea: give every dollar a job. Instead of tracking where your money went, you decide where it goes before you spend it.

The method works, but budgeting is a skill, and like any new skill, it's far easier to learn with someone in your corner. That's where coaching comes in. I help you set it up, understand the system, and build a rhythm that sticks, so you're not just using YNAB, you're actually feeling the difference.

Learn more about YNAB →
What's possible with coaching

Ready for a budget that actually works?

A YNAB setup that finally clicksWhether you're starting over after a big life change or your finances just feel scattered, you'll walk away with clean categories, a clear rhythm, and the quiet confidence that you're doing it right.
A budget you can fully trustNo more juggling accounts, tracking spreadsheets, or wondering where the money went. Just one clear plan that holds up month after month. No rebuilds, no second-guessing.
YNAB that fits your real lifeWhether you want to spend more intentionally, break free from paycheck-to-paycheck, or take your finances to the next level, we shape the method around your goals, so every dollar lands somewhere meaningful.
Yordano Lopez, YNAB Certified Coach offering bilingual budget coaching in English and Spanish
My story

Money felt stressful. Then it didn't.

For a long time, money felt more complicated than it needed to be. Growing up as a first-generation immigrant, I watched my family navigate a financial system without a roadmap. Then we had our son, Levi, and suddenly the stakes changed. Money became part of how we care for our family and plan ahead.

YNAB gave me a framework to give every dollar a job and stop wondering where the money went. It changed how I think about finances entirely.

That's why I became a YNAB Certified Coach. I've navigated life between cultures and identities, and I know what it means when a space doesn't feel built for you. I help people build a system they're proud of, one they actually look forward to opening.

"I didn't know if I was financially ready for a family."
"I would feel guilty about spending money on myself."
"I had no idea how much we were actually spending each month."

These were my real thoughts before YNAB. If any of them sound familiar, you're in the right place.

Everyone belongs here. No matter where you come from, who you love, or how you identify, this is a space built with you in mind. Great coaching starts with feeling welcome.

What I help you do

From YNAB setup help to ongoing coaching, everything you need to make YNAB work for you

Set up your budget the right way from the start
Give every dollar a job, with simple categories that match your actual life, not a complex system you have to maintain
Plan for bills, irregular spending, and savings goals
Understand targets, credit cards, and where your money is really going
Build intentional spending habits without guilt or rigid rules
Get a month ahead so you stop living paycheck to paycheck
Meet in person in Sacramento or virtually from anywhere in California and the US
Get support in English or Spanish, whichever feels most natural to you
How coaching works

Three steps to a budget you trust

Budgeting is a skill you can learn, and you don't have to learn it alone. Each step builds your confidence to run things yourself.

1

Set up your plan

Clean structure, clear categories, no confusion. You leave the first session with a real, working budget.

2

Learn the method

You build a real skill here, not just how to click buttons, but how to think about money differently. It's yours to keep for life.

3

Build confidence

You run your own budget, with support available whenever you need it. No more guessing.

Find the right level of support for where you are right now.

Whether you need a one-time fix or a trusted partner to manage it all, there's a path built for you.

Free Intro Call
Free
15 minutes, no prep needed
We talk through your situation, figure out where you're stuck, and see if coaching is the right next step.
  • ✓No pressure, no pitch
  • ✓Talk through your situation
  • ✓Clear recommended next step
Book your call
Most Popular
YNAB Reset
$325
one-time
Best for starting fresh, untangling a messy setup, or simplifying one that's gotten out of hand. One focused session, real results you keep.
  • ✓90-min live session
  • ✓Screen-share inside YNAB
  • ✓Personalized category structure
  • ✓2 weeks of follow-up support
Get started
Monthly Coaching
$225
/mo
Best for building lasting habits, getting your spending on track, and having steady support through life's changes.
  • ✓2 sessions per month
  • ✓Support between sessions
  • ✓End-of-month budget review and category planning for the month ahead
Get started
Best for real change
3-Month Momentum
$525
total ($175/mo)
The best option for someone ready to make a real shift. You get everything in monthly coaching, plus a structured plan with clear goals and a defined finish line. Committing to 90 days is what actually changes habits.
  • ✓Everything in Monthly Coaching
  • ✓3-month plan with clear goals
  • ✓Progress tracking & adjustments
  • ✓Results you see, not just feel
Get started
Best Value
6-Month Transformation
$875
total ($146/mo)
The most complete path to lasting change. Six months of hands-on coaching, built around where you want to be, not just where you are today.
  • ✓Everything in 3-Month Momentum
  • ✓Bi-weekly goal reviews
  • ✓Major life event support
  • ✓Priority scheduling
  • ✓End-of-program financial summary
Get started
Fully Managed
Concierge
You focus on earning. Everything else is handled. Your budget stays current, organized, and ready to review whenever you want it.
✓Full YNAB setup & ongoing management
✓Weekly budget review & check-in
✓All categorization and data entry handled
✓Proactive heads-up when something looks off
✓Monthly budget summary
✓Cash flow & savings planning in YNAB
✓Priority access via text or email
✓Quarterly deep-dive planning session
$1,197
/month
Limited to 3 clients
3-month minimum commitment
Apply for a spot

All coaching services use YNAB. Not a YNAB subscriber yet? Get started here. Questions before you commit? Book a free intro call and we'll find the right fit together.

Official YNAB Certified Coach badge

YNAB Certified Coach

YNAB trains a select group of coaches to teach their proven method. Certification means I've met YNAB's standards for knowledge and coaching quality. This is a real credential, not a directory listing.

Learn about YNAB →
Why people work with me

Calm, clear, built for real life

Simple, not overwhelming

I make YNAB feel approachable, not like another complicated system you have to learn.

No shame, no rigid rules

Your budget should support your life, not make you feel bad about living it.

I meet you where you are

Whether you're navigating a major life transition, picking up the pieces of a messy budget, or ready to take things further, we start from where you actually are.

Works for all couples and families

I work with individuals, couples, and families of all kinds. Whatever your household looks like, we build a shared system that makes sense for everyone involved.

Sacramento-based, available everywhere

I'm based in Sacramento, CA and offer in-person sessions locally, as well as remote coaching via video call for clients anywhere in California or across the US.

A space that's built for you

You don't need to fit a mold to get great coaching. I work with people from all backgrounds, identities, and life paths. You'll be met with respect and understanding from the first conversation.

FAQ

Common questions

Do I need to already have YNAB?
Yes. Coaching is built around the YNAB software and method, so you'll need an active subscription. YNAB offers a free 34-day trial, plenty of time to see real results with coaching support.
Is this for beginners?
Yes, and also for people who've been using YNAB for a while but feel stuck. If YNAB hasn't clicked yet, coaching is usually the fastest way to make it click.
What if I'm just not good with money?
Almost everyone feels that way at first. Here's the thing worth knowing: managing money is a skill, not a personality trait. No one is born good at it. Like any skill, it gets easier with the right guidance and a little practice, and that's exactly what a coach is for. You don't need to be "good with numbers" to build a budget you trust.
Who is your coaching for?
Anyone who wants to build a better relationship with their money. I work with people of all backgrounds, identities, income levels, and life situations. Whether you're single, in a relationship, supporting a family, or figuring things out on your own, you're welcome here.
What if my finances are a total mess?
That's a completely normal place to start. Whether you have bills you've lost track of, accounts everywhere, or you just don't know where to begin, coaching gives you a clear first step. We untangle things together, one piece at a time.
What if I already have my own budgeting system?
That means you already care about your money. Great starting point. Whether you've built a spreadsheet system or manage several accounts for different purposes, coaching can help you see where YNAB simplifies your approach and saves you time.
Do you work with couples?
Yes. A shared budget system makes a big difference for couples. Both partners are welcome in sessions.
Is the intro call really free?
Yes, completely. It's 15 minutes to see if coaching makes sense for you. No prep, no pressure, no pitch.
Are you a financial advisor?
No. I'm a YNAB Certified Coach, trained to teach the YNAB method. I don't provide investment advice or financial planning services.
Do you coach in Spanish?
Yes. As a bilingual budget coach, I work with both English and Spanish speakers.
Do you offer in-person sessions in Sacramento?
Yes. I offer in-person coaching sessions in the Sacramento area, including Elk Grove, Roseville, Folsom, Davis, and Rancho Cordova. Remote sessions via video call are also available for clients anywhere in California or the US.

Your clearest money moment starts here.

Book a free 15-minute call. No prep needed. Whether you're overwhelmed, starting over, or ready to level up, just show up and we'll figure out your best next step together.

Book a free call See pricing →
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