TRACY LATONA
Christian Financial Coach | Golden Rose Financial Coaching
Ever notice how your paycheck disappears faster than fried chicken at a Baptist potluck? đ
Yeah. That’s my people.
I help you go from, âIâm not good with money,â to, âIâm the steward God calls me to be.â
I work with Christians who make good money but somehow open their bank account with one eye closed, hoping it’s not as bad as they think. Some of them are in and out of debt. Some are debt free with a healthy net worth and STILL feel that low-grade money anxiety humming in the background. (Yes, that’s a thing. No, more money doesn’t fix it.)
Here’s what I’m not:
I’m not a financial advisor. I don’t sell products, manage portfolios, or earn commissions on your investments. Advisors are fantastic at growing the money you already have working for youâI’m the one who makes sure there’s money to hand them in the first place.
And I’m not your average financial coach either. Most money coaching stops at “here’s a budget, try harder.” But managing money God’s way is only 20% math. The other 80% is your mindset, your habits, your identity of WHO YOU ARE with money, and yesâyour nervous system. (Turns out you can’t budget your way out of a scarcity mentality. I tried. That didnât work.)
What I actually do:
Through my Steward and Grow Method, we do both: the practical systems to help managing your finances feel easy, and the deep internal work that makes it actually stick. Youâll stop feeling stress and anxiety in your finances and start stewarding them with peace, confidence, and a little bit of holy audacity as your bank account grows.
My clients don’t just get organized. They become different people with money.
Here are some victories my clients experience:
- Collectively paid off over $1.6 million in debt
- One client is an accountant. She balanced the books for a multi-million dollar company every day, and still couldn’t crack her own financesâbecause the block was never the numbers. It was her boundaries with family. Once she did that work? $55,000 in debt gone in two years. She went from -$536/month to putting an extra $1,100/month toward debtâwhile still budgeting fun money now spent on what SHE actually wants
- A couple paid off $47,000, built a six-month emergency fund, bought their first house, and had their first baby. In 2.5 years.
- Marriages restored. Money fights turned into money conversations. Generational cycles of money stress and, âWe donât talk about finances,â snapped in half.
- And the wins that don’t fit in a spreadsheet: peace, confidence, and the freedom to write the check to the missionary without doing frantic mental math first.
How I got here:
My husband and I got divorced. Money and communication were two of the biggest reasonsâturns out “I’ll just control every penny out of fear” ISNâT the love language he was hoping for. đŹ
During that season, my husband gave his life to Christ and I learned to live for Jesus, and God restored our marriage. When we remarried, we decided to do money differently. Now it’s a conversation, not a cage match.
I get to do for other people what I desperately wish someone had done for us.
Services:
- 1:1 Personal Financial Coaching
- Business Financial Coaching (Profit Firstâso you can finally pay yourself a real salary instead of whatever’s left over, which is usually nothing)
- The Steward and Grow Group Accelerator (12-week group coaching)
- Money Strategy Sessions
How I partner with this group:
As a Marketing Representative, I send my clients to the trusted pros here for their back-end business needs. I don’t refer lightlyâmy clients’ trust is the whole ballgame, so if I’m sending them your way, it means I’d send my own family too.
Send someone my way if they:
- Make great money in their business but pay themselves last (or not at all)
- Make good money on paper, but wonder where it all goes and want to learn how to manage it in a way that works best for their brain
- Want to learn to work together with their spouse as a team in their finances, even with different money tendencies
- Want to give generously but feel stretched thin
- Have tried the apps, read the books, taken the classes… and still feel the stress
You weren’t created to stress about money. You were created to steward it with confidence and give with wild generosity.
P.S.- Yes, I do coach non-Christians who want to stop money stress and grow their bank account. My goal is to help people get to where they want to be with their finances, and help them find the right way for them to do it.
Golden Rose Financial Coaching