Get your finances in order #1 debt managament advisor in the US #1 Financial advisor in US Financial Coaching
for couples
Schedule a free 15 min consult Do you feel anxious, frustrated, or confused about your finances? Are you frustrated because you do not know where your money is going? I can teach you how to make a budget, get organized, and develop a plan for financial peace.
#1 debt managament advisor in the US Financial Guidance for
teens & parents
Is your teen thinking about life after high school? No matter what, they need to understand how to handle their finances in a responsible way. And I can help! I teach my young clients how to create healthy financial habits before they leave home. Schedule a free 15 min consult Paying off debt #1 Financial advisor in US
Financial Tracking Coaching #1 debt managament advisor in the US #1 Financial advisor in US Financial Tracking
Schedule a free 15 min consult Do you wonder where all of your money went at the end of the month?
I teach my clients how to track their spending and assign each dollar they have earned a job.


To create peace of mind about your finances

Judgment Free

Education on financial life skills for your family


Develop an individualized plan to cater to your financial needs


To fund your future goals with confidence

What? Why? how?

What do I do?

I teach my clients how to track their spending and develop healthy financial habits.

Why I do it?

I know the stress and anxiety that financial debt and uncertainty can bring to individuals.  I also know how empowered we felt when we started to track our money and attack our own financial goals. I want to teach my clients the same healthy financial habits that we used to pay off $60,000, fund our goals and live debt free since 2013.

How I do it?

I work one-on-one with my clients over video calls. I understand how busy people are with school, work and families, and many of my clients schedule evening or weekend appointments that they attend from the comfort of their own homes.

How Am I Different?

I know what it feels like to worry about having enough money to pay the bills, and I take the time to listen to my client’s unique goals and questions. I work one-on-one with my clients from the comfort of their homes by offering virtual meetings. We work together to organize their monthly budget and create specific goals for their specific ambitions.

Helping you with your money
Empowering CC debt management

How can I serve you?

Are you ready to take control of your finances? Do you want to learn how to work with your spouse towards the same financial goal? Contact me to find out how I can help today.

I teach teens how to use a budget and get organized for life away from home.

Regardless if your teen plans to attend a traditional college, go to trade school or join the military they need to understand how to handle their finances in a responsible way. I work with families to develop individualized goals and a zero based budget that will lead to healthy financial habits.

Do you wonder where all of your money went at the end of the month? Do you find yourself using your savings to pay regular monthly bills? Do you look at your bank app before you use your debit card to make sure there’s money in your checking account? You are not alone, but I believe that everyone can develop healthy financial habits.

My Clients Love me!

Hi hired Colleen to coach my three teenagers on budgeting and how to pursue college or trade school DEBT-FREE! We had three one-hour sessions, and my kids really enjoyed it! They said her information was super helpful and got them motivated to start thinking about scholarships. My sophomore son already applied for over $10K in scholarships, and without Colleen, we wouldn’t have even known that was an option. This was a fantastic opportunity for me and my kids.

Kristin Ratten

Colleen recently gave us some coaching lessons for budgeting to help us with eliminating our debt and saving money. I would recommend her 100x over. She laid out a clear plan for us to tackle and helped us understand our true financial goals. She’s relatable and understanding, which I found comforting and helped us open up to see the bigger picture in our financial journey. Thank you Colleen!

Mikeala Feagans

I highly recommend Salchow Coaching, for any parents that may have high school age children that will soon be ready to enter the real world. Salchow Coaching did an fantastic job coaching my high school age son to help prepare him for College and everything that come with it. Everything down to discussing College tuition, Financial aid, scholarships and even how to budget your money now to build responsible habits.
Hands down beneficial resources and tools to help anyone get on the right path or stay on top of their finances to enjoy life the way it’s meant to be! Debt free and stress free! Thank you Salchow Coaching.

Iyonna Hill

We’re a military family of five so we’re constantly moving and our paycheck is always fluctuating. Colleen is helping us track where every dollar is going, how to budget, and save for our kids’ education and our retirement. She is easing my personal insecurities and anxiety about money and teaching me to be more confident and take control of my own finances. I highly recommend Salchow Coaching because Colleen is patient, professional, motivating, trustworthy, and passionate!

Katie Van Brunt

In a few short meetings with Colleen, she helped me identify extra money in my budget to put towards debt. Her attention to detail coupled with personal journey becoming debt free were helpful, honest, and sincere. Not only does she provide expert advice, she keeps things practical and realistic. If you are looking for a coach to help you become debt free, I highly recommend Colleen.

Client that wished to stay anonymous

I asked Colleen if she would be able to coach my son who is in middle school, and she tailored her program for his age group. Not only was the content engaging and extremely educational, but she provided fun assignments that helped him learn lessons outside of our coaching lessons. It’s never too early for your children to learn how to thoughtfully manage their money! Colleen is the BEST!!!!! 5 Stars!

Shelly Morris

Colleen has helped my 16 year old son, start to think about his future and how to manage his money. These are invaluable conversations that every teenager needs to have before graduating high school. I’m grateful that she was able to get him thinking about important things like budgets, scholarships and staying out of debt.

Alison Brown

Numbers Don’t Lie

Still not convinced that you should work with me? Here are some concrete numbers in ways I’ve helped my clients:

  • A client saved $4,751 in their budget after tracking their spending for one month.
  • A sophomore in high school applied for $10,000 in scholarships within a month of our coaching sessions.
  • Richard and I personally paid off $60,000 of debt within two years. 

of debt paid off!


saved in a month!


applied in scholarships

Read our Blog

  • [2021] [Author-Colleen Salchow] All Rights Reserved             CBS News reported that prices on holiday goods are expected to rise 5-10%. That’s a significant increase for holiday shopping

  • Flood Damage In Military Housing On January 16, 2021 our washing machine flooded the first floor of our house at Camp Pendleton. Lincoln Military Housing, LMH, owns the home. We had USAA renters insurance, but our flood damage was not initially cover

  • $60,000 In Debt My husband, Richard, and I were married in 2011. Shortly after our wedding we realized that we had $9 in our checking account, $100 in our savings account, and we owed $60,000 in debt. We took a personal budgeting class at Marine...

  • Holiday Shopping It’s the middle of September, and I have started Christmas shopping. We have set aside money this month in a sinking fund for holiday gifts. A sinking fund is an area on your budget when you can gradually add money to for a...

One on one financial advising

Ready to get your family’s finances in order? Let’s talk!

Schedule a free 15 minute consult