Hi, I'm Penny, a Financial Coach who spent the first 30 years of her career as a Social Worker. I now help professionals and small business owners who are serious about taking control of their income to pay off debt or build wealth by learning to create a custom spending plan and learning to make it work. I'm completely DEBT FREE (Including House) and helps others deal with the emotions and conflict around money. I'd be honored to talk with you, about money or business or life in general!