Personal Finance Coaching
Real-world personal finance coaching from someone who's been in the trenches — not a textbook. I went from dodging debt collectors to owning my financial future. Now I help others do the same.
The Process
We'll talk about where you are financially, what's keeping you up at night, and what you want your money to do for you. No pressure, no pitch — just a real conversation.
Based on your situation, I'll build a personalized strategy covering your budget, debt, savings, and long-term goals. No cookie-cutter templates.
We work the plan together. Regular coaching sessions, accountability check-ins, and real-time support so you're never navigating alone.
What I Offer
Whether you need a tune-up or a complete financial overhaul, there's a package for you.
A no-pressure conversation to talk about your goals, your challenges, and how coaching can help.
Book NowConsistent sessions, budget reviews, and direct messaging support to build better money habits month over month.
Learn MoreThe full transformation. We'll audit everything and rebuild your entire financial foundation from the ground up.
Learn MoreAbout The Team
CEO | Personal Finance Coach
Matthew brings a unique combination of real-world financial experience and professional licensing to his coaching practice. He is a licensed health insurance agent in the state of Florida, giving him a grounded understanding of the financial services landscape and the regulatory environment that protects consumers.
Before launching Spenillo Financial Wellness, Matthew spent years in the workforce navigating the same financial challenges most Americans face — managing a household on a single income, balancing debt obligations, and trying to build long-term wealth without a financial background or family guidance to lean on.
Matthew didn't grow up learning about money. By the time he and his wife started building a life together, they were drowning in consumer debt, fielding constant collection calls, and seriously considering bankruptcy as their only option.
Instead of giving up, he got obsessed. He spent years self-educating — budgeting systems, debt payoff strategies, investing fundamentals, retirement planning, negotiation tactics with creditors. He took on every single debt collector himself. No lawyer, no professional help. Just discipline, strategy, and relentless follow-through.
Today, they own a home, drive a new car, hold retirement accounts and investment portfolios, carry zero consumer debt, and know exactly where every dollar goes. That transformation wasn't handed to them — it was built from the ground up.
Matthew started Spenillo Financial Wellness because he knows what it feels like to stare at a bank account and feel hopeless — and he knows what it feels like to come out the other side. His coaching is strictly educational, focused on budgeting, debt management, savings habits, and financial literacy. He doesn't provide investment advice, and if a situation requires a licensed professional, he'll always be transparent about that.
If I can do it, you can too. Let me show you how.
Book Your Free Discovery CallServices & Pricing
No matter where you're starting from, there's a path forward. Choose the level of support that fits your situation and your goals.
A free, no-pressure conversation where we talk about your financial situation, your goals, and your biggest pain points.
For people who want consistent support month-over-month to build better money habits and grow their savings.
The full transformation. Tear it all down and rebuild your financial foundation from the ground up.
Not sure which package is right? Start with a free discovery call.
Book Your Free CallFAQ
It's one-on-one guidance to help you get control of your money. We cover budgeting, debt payoff, savings strategies, and building better financial habits. Think of it as having someone in your corner who's been through it and can show you the way.
No — and that's intentional. I'm a personal finance coach, not a licensed financial advisor. I don't manage investments, recommend securities, or provide tax or legal advice. My coaching is strictly educational and based on real-world experience. If your situation requires a licensed professional, I'll always point you in the right direction.
Experience. I went from being buried in consumer debt and considering bankruptcy to owning a home, having investment portfolios, and being completely debt-free. I spent years educating myself and building the systems that changed my family's life. I'm also a licensed health insurance agent. I don't have a finance degree — I have results.
Not at all. I work with people at all stages — whether you're dealing with serious debt, trying to build your first savings, or just want to get smarter about where your money goes. If you want to improve your financial life, we can work together.
Sessions are 45–60 minutes, held via video call (Zoom or Google Meet). Before our first session, you'll fill out an onboarding form so I can understand your full financial picture. From there, every session is focused on your specific situation and goals.
I get it — I've been there. That's why the discovery call is free and the monthly plan starts at just $99. If you're in a tight spot, let's talk about it. I'd rather help you get started than let cost be the thing that keeps you stuck.
Absolutely. Everything we discuss is confidential. Your financial details are never shared with anyone, period.
I can help you understand what impacts your credit score and build habits that improve it over time — like paying down debt, managing utilization, and staying current on obligations. I won't promise a specific number, but the strategies we use consistently move the needle.
Get in Touch
Ready to take the first step? Book a free 30-minute discovery call and let's figure out the best path forward for you.
Location
Remote / Nationwide
Prefer to talk first?
Book a free 30-minute discovery call. No commitment, no sales pitch — just a real conversation about your finances.