Jessica Pratt, Personal Finance Coach with WyoU Financial Strategies, LLC.

01/06/2026

Weird thought as I am sitting here waiting to pick up my kiddo and thinking about my website copy I’m refining….

Isn’t it funny how we spent our high school years dreaming about being an adult and the freedom we would have. Now, as adults we are dreaming of the day we can retire, once again chasing that idea of freedom….

02/13/2025

🤔What’s Holding You Back? Let’s Talk About It.

We’ve all been there. You keep telling yourself, “I’ll make my finances a priority when…” but the truth is, life doesn’t wait for the “right” moment.�Maybe it’s time. You’re juggling everything else, and figuring out your finances feels overwhelming.�Maybe it’s money. You’re worried about spending money to learn how to manage it.�Or maybe it’s the idea that you can figure it out on your own, someday.
Here’s the thing:�
💡 You don’t need to be perfect with money to take the first step. And you’re not alone in feeling like this is hard—because it is. But having the right tools, systems, and guidance can make a big difference. It becomes easier by doing it consistently over time.
💬 “I don’t have the time.”�I hear this a lot, but imagine the time you could save by having a clear process to manage your money. Instead of spinning your wheels every month, you could have a repeatable process that helps you focus on your financial priorities and goals.
💬 “I can’t afford it.”�I get it. Spending money to fix money stress feels backward, but investing in learning how spend and plan confidently can save you time, money, and energy over the long run.
💬 “I can do it myself.”�You can try, there are a lot of free resources, but ask yourself—has DIY been working for you so far? If not, it might be time to try something new.
✨ The Strategic Cashflow Classes are designed to help you set up a sustainable system to manage your money, reduce financial stress, and work toward the goals that matter most to you. These systems have been tested and refined since 2008 to help myself and others navigate real-life financial demands and goals with clarity and confidence.
Ready to move past excuses that are holding you back and take the first step?�Now is the time, registration closes on February 13th, 2025: https://www.wyoufinancial.com/financial-literacy-classes

02/04/2025

Mindset Monday: You’re Not Saving for Retirement—You’re Investing for Future Income
💡 What if I told you that you're not actually "saving" for retirement?

The way you think about your investments can impact your financial decisions and lead to unnecessary stress. Let’s shift your mindset:

If you had cash in a savings account and it suddenly dropped in value, you’d be rightfully worried. But investments don’t work the same way—and treating them like cash can cause unnecessary panic.

Think of It Like Buying a Pair of Jeans
👖 Imagine you buy a new pair of jeans today at full price. Tomorrow, they go on sale for 30% off.

Did you suddenly have a pair of jeans with only one leg? No. You still have the same pair of jeans.
Investments work the same way. If the market drops, the value of your shares declines—but you still own the same number of shares. The only way you truly lose is if you sell at a lower price.

That’s why staying invested during downturns is often the best strategy. As the saying goes, “Only those who jump off the rollercoaster get hurt.” 🎢

What This Means for You
👴 If you’re near or in retirement: This is where things get trickier. You may need to sell shares for income, potentially at a loss. One major key to managing this risk? Having a flexible spending system that allows you to adjust your expenses based on market conditions. It’s not just about cutting back—it’s about having the confidence to make informed spending decisions when things don’t go as planned!

📈 If you’re in the accumulation phase: Market declines are actually great news. Why? Because you’re buying those jeans on sale! The more shares you buy at lower prices, the higher your potential future gains.

Change the Way You See Your Investments
🔹 Investments ≠ cash savings.�
🔹 Losses aren’t realized unless you sell.�
🔹 Your cost basis (what you paid) can matter more than the daily balance.

💭 Want to feel more confident managing your money—whether you're growing your wealth or preparing for retirement? The key is having a clear, flexible system to guide your spending. Whether through one-on-one coaching or my Strategic Cashflow Classes, I’ll help you create a process that puts you in control of your money. Let’s talk

📩 Drop a comment or set up a Q&A session here: https://calendly.com/wyoufinancial/qa

01/30/2025

I Knew About the Debt Snowball for Two Years Before I Ever Used It—Here’s Why That Matters

I hadn’t really thought about that until I was putting together my Strategic Cashflow Classes. But looking back, confirmed once again, that knowing what to do wasn’t the problem—having a big enough reason to do it was.

Back in 2012, I met with an insurance agent who briefly explained the Debt Snowball. I even remember sitting in my car afterward, running the numbers, and thinking, Yeah, this makes sense. But I didn’t actually do anything with it.

Why?

Because, at the time, I wasn’t feeling the weight of my debt enough to make a change. I was making my payments, my finances felt “fine,” and the urgency just wasn’t there.

Fast forward two years—I finally had the opportunity to chase my dream of becoming a tattoo artist. After reviewing my MasterSpending Plan I realized we couldn't afford it.

I had a choice: give up on this opportunity or figure out how to make it work.

And I REALLY wanted to make it work.

So I went back to my MasterSpending Plan and took a hard look at my numbers. Then reality hit me: the amount we were paying in debt payments was blocking me from affording this apprenticeship—not to mention the extra costs that came with it, supplies, and now daycare.

I had my BIG reason.

That’s when I started researching and found The 'Total Money Makeover' by Dave Ramsey where the Debt Snowball was a step in the process. I bought the book but instead of blindly following his steps and strategies, I customized the to fit my life, my priorities, and my motivation. And because I built it around what mattered to me, I stayed consistent and engaged through the entire 5 ½-year process.

That’s the key. The best financial strategies aren’t the ones you just “follow.” They’re the ones you learn, understand, and adapt to fit your unique situation—because that’s what makes them stick.

This is exactly what I help my clients do and that's whatt the Strategic Cashflow Classes are desigend for. They aren’t just about learning a financial strategy—they’re about implementing a repeatable process tailored to YOUR life and goals, so you can actually take action.

Because knowledge alone doesn’t create change. Action does.

If you’re ready to take action with your finances, let’s talk. Drop a comment below or check out my classes here: https://www.wyoufinancial.com/financial-literacy-classes.

01/17/2025

Did you know that 4 out of 5 Americans experience anxiety about their financial situation?

According to a recent survey conducted by Discover® Personal Loans, financial stress has remained consistently high over the past three years, increasing by nine percentage points since 2021.

What stood out most to me in the survey was this finding:
“Financial stress is so severe that many Americans appear to be fearful of even looking at their situations. This is especially true among Gen Z, with 41% saying they avoid checking their bank account balance (vs. 27% of Millennials and 20% of Gen X).”

Dan Nickele, vice president of Discover Personal Loans, suggests:
“For many Americans experiencing financial stress and anxiety, it may help to write out the reasons why and address them in small, manageable steps. Building a monthly budget, reviewing expenses to identify opportunities to cut costs, and planning for potential unexpected expenses can help lower stress.”

This resonates deeply because I've observed how lack of clarity—inconsistent income, where money is going, upcoming bills, or handling unexpected expenses—is one of the root causes of financial stress. But it doesn’t have to be this way.

I revised my 1-to-1 coaching program into a 2 Phase Strategic Cashflow Class. Together, we’ll develop a system that helps you clearly:
✅ Plan for variable or multiple streams of income.�
✅ See where your money is going.
�✅ Understand how your spending aligns with your goals.�
✅ Learn strategies for adapting your plan to life’s changes.

Not only does this process aim to reduce financial stress, but it will also help uncover other financial roadblocks like communication challenges, spending patterns, need for more aligned financial strategies, all while working toward developing a personalized system aimed at supporting your journey toward greater financial clarity.

Spots are limited, so reserve your seat today: https://www.wyoufinancial.com/financial-literacy-classes

📖 Read the full survey here: https://www.businesswire.com/news/home/20240723820169/en/Discover-Survey-Anxiety-and-Avoidance-are-Driving-the-Financial-Lives-of-Many-Americans

REGISTRATION IS OPEN! Strategic Cashflow Classes Learn How to Afford What You Want Without Sacrificing Your Responsibilities in Two Transformational Phases Making confident financial decisions for spending now and saving for your goals doesn’t have to feel overwhelming. Whether you’re trying to ...

01/16/2025

Holy Moly... I did it!

✨REGISTRATION IS NOW OPEN!!!✨

https://www.wyoufinancial.com/financial-literacy-classes

I knew I was going to be taking on a lot being a solo RIA, but I didn't realize how much tech I was going to learn!

REGISTRATION IS OPEN! Strategic Cashflow Classes Learn How to Afford What You Want Without Sacrificing Your Responsibilities in Two Transformational Phases Making confident financial decisions for spending now and saving for your goals doesn’t have to feel overwhelming. Whether you’re trying to ...

01/12/2025

🚨 Strategic Cashflow Classes Weekend Follow Up🚨

Earlier this week, I announced the launch of my upcoming Strategic Cashflow Classes, a hands-on, step-by-step program designed to help you gain clarity, control, and confidence with your money. 🎉

Tomorrow, Monday January 13th, I’ll be going live at 12:00 MST to dive deeper into:
💡 Why budgets fail and what’s really missing when it comes to managing your finances.
💡 How understanding your cashflow can unlock better decision-making and make planning with your money less overwhelming.
💡 A breakdown of phases of the Strategic Cashflow Classes—and how the design is aimed to transform your financial journey.

This isn’t about uncovering some secret ingredient; it’s about creating a process that works for YOU, your goals, and your life.

Mark your calendar and join me Monday at Noon—see you there! 🙌
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01/09/2025

If you’re wondering if I can help you with your unique situation, let tell you how I developed my financial process that I guide my client through and will be the foundation of my cashflow classes. It was born out of real-life—trial, error, and refinement while navigating:

😱 How much money I could spend on fun and still pay bills.
💼 13 job-related income changes (yes, you read that right), with a mix of pay schedules and variable incomes
🏠 5 moves—including 3 out of state
🔑2 Home purchases, one that became a rental property by default
🎓 Paying off debt that included 2 sets of student loans, 4 credit cards, and 2 auto loans
🔄 2 major career shifts that required significant financial and professional adjustments
🎯 Getting on track for retirement and starting college savings
👩‍👧 Managing the evolving needs of kids and pets.

Today, I continue to use that same process to:
💼 Balance 2 variable income streams—hourly work and self-employment
💸 Manage taxes, retirement contributions, and multiple types of insurance
👩‍👧 Support the ever-changing needs of 2 kids, 2 puppies, 1 cat, and a goldfish
🎯 Prioritize and plan for spending and important life goals
📆Manage and track expenses, fun money, and goal funding
🚀 Oh, and manage my business finances on top of it all!

While our finances aren’t always stress-free, this process helps us focus on solutions instead of becoming overwhelmed by chaos.

If you’re ready to move past the stress and chaos in your own finances, I’d love to help. Let’s work together to create clarity, confidence, and a plan that works for Y-O-U!

https://calendly.com/wyoufinancial/qa

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I know money won't be easy 100% of the time, but what if it could be less stressful and you could feel more confident about your financial situation while having a game plan for navigating all your financial demands and desires?Schedule this brainstorming Q&A to gain clarity on your financial

01/06/2025

Not excited to go to work tomorrow?

Let’s change the way you see it. Imagine heading into work knowing exactly how every dollar you earn this week is working for you—helping you fund that dream vacation you’ve been dying to take, contribute to your retirement, and cover your upcoming expenses with confidence.

But what if even that doesn’t make it any better? Maybe it’s time to consider a change. Whether you’re ready to reimagine how your income is working for you or create a financial plan to make a career or life shift, my Strategic Cashflow process is here to guide you.

Let’s create a system that works for YOUR goals and dreams. Ready to take that step? Let’s tackle your dreams together. Book a free 30-minute Q&A session today to explore how coaching and planning can work for you!

https://calendly.com/wyoufinancial/qa

01/04/2025

🎉 🎉 🎉 Cheers to 2025!! 🎉 🎉 🎉
Much like many of you, I have been thinking about the year to come for my business and for my personal life. And just like many of you, I have set my own New Year’s resolution!

Can you guess what it is????

12/18/2024

Being STRATEGIC with your 💵 isn’t just about planning for future goals like retirement 📈 and college savings. It’s about managing today’s complex financial demands like the cost of groceries🛒, kids activities🩰, car maintenance 🚙🔧 , and reducing debt while planning for tomorrow’s dreams like starting your own business or family vacation tradition 🏝️, buying your first home or rental 🏠, while striving to reach your definition of financial success.

Here at WyoU we help our clients find a balance between today’s needs and tomorrow’s dreams. If you’re looking for this type of financial guidance, schedule a 30 minute Q&A and kick off the new year with a💥!

I know money won't be easy 100% of the time, but what if it could be less stressful and you could feel more confident about your financial situation while having a game plan for navigating all your financial demands and desires?Schedule this brainstorming Q&A to gain clarity on your financial

11/02/2024

This journey of building money skills, creating habits, and making confident financial decisions that are aligned with your values doesn’t happen overnight. And here’s the thing— it doesn’t have to be a solo mission. Financial progress can be possible, sometimes having someone alongside you can make all the difference.
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