The Grind Coaching & Consulting

05/01/2026

Saving 10–30% of your income isn’t about missing out… it’s about setting yourself up.
10% builds stability. 20% builds momentum. 30% builds freedom.

Start where you can—your future will thank you 💰

Check out latinafinanceexpert1’s video.

04/03/2026

April is Financial Literacy Month—a reminder of why this work matters now more than ever.

Back in December 2023, we became Certified Financial Education Instructors through the National Financial Educators Council, deepening our commitment to equipping individuals and families with the knowledge they need to make confident financial decisions. In 2025, we aligned even further with an organization that truly reflects the mission and heart behind The Grind Coaching & Consulting and what we are building with Voyage CFO 4U.

Today, our founder Fatima Luthi serves not only as a financial literacy educator, entrepreneur, and protection advisor—but also as a Board Member representing Kansas and an Advocacy Committee Member with NFEC. This role allows me to contribute to a larger movement focused on empowering people through financial education and long-term financial wellness.

As we reflect on the work being done across communities, one truth continues to stand out: tools, access, and education are only part of the solution. The real bottleneck is integration.

It’s not just about what people know—it’s about how they apply it, live it, and sustain it in their everyday lives. That’s where true transformation happens, and that’s the gap we’re committed to closing.

Will you support integration of FLEC subjects in schools?

12/01/2025

We’re honored to announce that The Grind Coaching and Consulting has received the Business Innovation Merit Award – Kansas City Region! 🏆

This award recognizes our dedication to creating innovative financial wellness solutions that empower individuals, families, and communities to take control of their financial future through Voyage CFO 4U.

A huge thank you to our amazing clients, partners, and community — your support and trust make this possible. We are inspired to continue innovating, growing, and making a meaningful impact every day. 💛

11/05/2025

🎄 Holiday Stress? Not This Year!

Plan ahead, spend smart, and enjoy the season without worry. Make this holiday joyful, meaningful, and stress-free!

We’re currently accepting clients — call/text 785-431-5379 or visit grindcoachingandconsulting.org

10/31/2025

We get it. Life happens. Maybe October came and went, and you didn’t touch your finances because it felt overwhelming, confusing, or… honestly, scary. 👻

Here’s the truth: it’s never too late to take control. November and December are powerful months to reset, reflect, and realign your money with your life.

Take a look at our visual — it’s not that scary: that’s your roadmap, your FinHealthChecklist, your shortcut to clarity. But here’s what it really means for you:

✅ Money Mindset – How are your thoughts and habits shaping your financial reality?
✅ Financial Audit & Reconciliation – Face the numbers head-on. Awareness is power.
✅ Insurance Review – Protect what matters and sleep better at night.
✅ Financial Analysis – See where you’ve grown and where you can level up.
✅ SMART Goals – Goals that actually work for your life, not someone else’s.
✅ Reconnect with Your WHY – Your purpose will keep you consistent when it gets hard.
✅ Financial Plan – Save | Spend | Borrow | Plan | Mindset — a plan that makes sense for you at any stage.
✅ Action Plan & Ex*****on Rhythm – Small steps every day. Consistency > perfection.

✨ This isn’t about perfect spreadsheets or niche apps — it’s about you taking ownership of your financial journey.

🚀 We’re currently accepting new clients!
Spots are limited, so if you’re ready to finish 2025 strong and walk into 2026 confident, let’s do it together.

📞 Call/Text: 785-431-5379
📧 Email: [email protected]

You deserve to feel in control, grounded, and empowered with your money. Let’s make it happen. 🌱

09/03/2025

Today we had the opportunity to speak at Topeka High on the importance of understanding paystubs, W-4s, 1040s, and overall financial health. We were in awe of the school’s history and beauty, but even more inspired by the energy and engagement of the students.

One of the greatest joys in our work is pouring into the next generation—teaching them that money is a tool, not a toy, and helping them recognize the real impact (good and bad) of financial choices.

What an incredible way to kick off financial awareness for our youth. The future is looking bright! ✨📚💵

08/22/2025

Have you ever stepped into a new business, role, opportunity, or season of life and thought… “Who am I to be here?”

On Tuesday, we tackled that very question—imposter syndrome—and here’s a key insight that lit up the room:
👉 Start inside out, not outside in—focus on why you do what you do, not just what you do.
👉 Feeling like an imposter isn’t a sign you’re unqualified. It’s a sign you’re growing.

The same applies to money. Most of us were never taught why we budget, invest, or build wealth—and that lack of knowledge can feel like failure. But it’s not. It’s simply inexperience. And inexperience can be coached, transformed, and turned into confidence.

Thank you to everyone who showed up and Greater Topeka Partnership for the opportunity to lean in, and share so vulnerably. Together, we’re rewriting the story—from doubt to empowerment. 💡

📸 Photo credit: Michael Odupitan at Omni Circle Group

08/15/2025

looking forward to leading this discussion from personal experience and those who have mentored me.

it’s not imposter syndrome—it’s growth syndrome.
it’s not about being incapable, it’s about being inexperienced.

understanding the difference changed everything for me. it reframed my thoughts, replaced self-doubt with curiosity, and reminded me that every expert was once a beginner.

join us for an honest and empowering conversation about reframing imposter syndrome and embracing growth. ✨

Join us on Aug. 19 at 9am for the next Small Business Council Success Strategy Roundtable for a candid conversation about navigating self-doubt, building confidence, and finding your footing as an entrepreneur. Hear real stories, share your experiences, and walk away with practical strategies to own your expertise.

Register Here: https://events.blackthorn.io/en/5Y1d0nc7/success-strategy-roundtable-imposter-syndrome-with-fatima-perez-luthi-5a18VvQ5AMM/overview

06/30/2025

🧠 Mindset Is Everything: In Life. In Finances. In the Race.

This weekend, we had the honor of running our first adult 5K.
We didn’t run with headphones. We ran with the wind, the birds, and the heat of a humid Kansas morning.

There were moments we wanted to stop.
Moments regretted for not training harder.
But we didn’t quit. We leaned into what we had practiced: breathing techniques, mindset coaching, even the gear I chose to wear.

💥 It reminded us so much of how we walk through our financial journeys right now.

➡️ Inflation is up.
➡️ Groceries are high.
➡️ Income feels stuck.
➡️ And change? It’s everywhere.

But the truth is — we still have power.
We get to choose how we respond. We get to train. We get to prepare.
And we get to finish strong — even when conditions aren’t ideal.

At The Grind, we believe financial empowerment starts with a mindset shift.
If you’re feeling overwhelmed or underprepared — we’re here to help you:

✅ Audit your finances
✅ Build a custom financial plan
✅ Train your money mindset
✅ Navigate uncertainty with confidence

📲 Call or text 785-431-5379
🌐 Visit us at https://grindcoachingandconsulting.org

Because financial health isn’t just about surviving.
It’s about thriving — for all of us.
Let’s grind toward a better future — together. 💪🏽✨

06/28/2025

What an incredible experience! 💫 We just wrapped up a financial planning seminar with an inspiring sorority 👩🏽‍🎓✨ — and the conversation was 🔥.

The three most talked-about topics?
💸 Living paycheck to paycheck
🏡 Buying a home
✈️ Traveling (without breaking the bank)

📊 Did you know?

⚠️ The U.S. economy is facing slow growth (~1.2–1.6%) and inflation holding steady (~2.4–3%)
💰 Nearly 60% of middle-income adults can’t cover a $1,000 emergency
💳 And 73% are cutting back on non-essential spending

(Source: MarketWatch + Business Insider)

💡 Seminar Highlights & Action Steps:

1️⃣ Break the Paycheck-to-Paycheck Cycle:
🧠 Invest in yourself — explore platforms like Coursera or LinkedIn Learning
💬 Advocate for your value — if you’re doing more than your job title, it may be time to negotiate
🛠️ Side hustle time! Leverage your skills to create new income streams

2️⃣ Homeownership on Your Terms:
📅 Set a 3–5 year timeline
📍 Research your local market — interest rates, home prices, taxes
📊 Save 6–7% of your dream home price (down payment + closing + furniture + emergencies)

3️⃣ Travel Without Financial Guilt:
🎒 Define your travel style: budget 🏕️, mid-range 🏖️, or luxury 🏝️
🎟️ Explore free or low-cost fun: museums, trails, off-peak trips
💡 Plan ahead + save intentionally for memories that last, not debt that lingers

🚀 This Month’s Challenge:

What’s one small step you’ll take toward your financial goals?

👇 Drop it in the comments — let’s support one another and grow together!