Inner Financial WellnessA different conversation about money
Your relationship with money
didn't begin with money.
It began with your experiences.
Your values. Your emotions. Your relationships.
Your culture. Your beliefs. Your story.
Financial wellness is about more than numbers. It's about understanding the patterns that shape how you think, feel, and make decisions about money. A space for curiosity, self-discovery, and growth — not judgment.
Meet Maritza
Accredited Financial Counselor (AFC®) — and the person behind every resource here.
More than a decade in financial counseling, credit counseling, bankruptcy education, foreclosure prevention, and financial wellness. I build self-paced assessments, calculators, and courses that treat the emotions behind money as seriously as the numbers — and I see a small number of 1:1 clients by consultation.
- AFC® — Accredited Financial Counselor
- 10+ years in counseling & financial education
- Bankruptcy & housing counseling background
- Trauma-aware, values-first approach
New · Free Weekly
Financial Focus Friday — a free virtual body-doubling hour
Fridays · 12:00 – 1:00 PM ET · Bring your lunch and one task.
New · Free Daily
The Community Journal — a new money question every day
Anonymous · No sign-in · Explore your beliefs and read what others wrote.
About
There Is
Nothing Wrong
With You.
Many people come seeking financial help believing they lack discipline, motivation, self-control, or financial knowledge.
In my experience, that's rarely the real issue.
After more than a decade working in financial counseling, credit counseling, bankruptcy education, foreclosure prevention, and financial wellness, I have learned that financial decisions are rarely just about money.
Behind every financial decision is a human being navigating emotions, values, relationships, stress, culture, identity, life experiences, and competing priorities.
My role is not to tell you what to do. My role is to help you better understand yourself so you can make decisions that align with your values, goals, and life.
Because people are the experts of their own lives.
An Invitation
Your financial story deserves
compassion, not criticism.
You don't need more shame.
You don't need more pressure.
You don't need another person telling you what you should do.
You deserve space to understand yourself.
The Resource Library
Start here.
Learn at your own pace.
Everything I walk clients through in session lives here — assessments, calculators, and inner-work exercises. No waiting list, no hourly rate. One card, and the whole collection is yours to work through.
I built this from the patterns I have seen since 2014: the same questions, the same quiet worries, asked by people who thought they were the only ones asking them.
It works like a real library. Your membership comes with a digital library card and its own number, and it checks out everything on the shelves — assessments, calculators, courses, guides, and the reading room — for a full year.
Activate your library card nowBrowse the shelves firstFrom $29
Signature Inner Work
- Financial Map of Consciousness
- Financial Values Discovery
- Inner Work to Reduce Overspending
- Inner Wealth Profile
Explore
From $39
Guided Courses
- Discover Your Financial Vitals
- Five Resets for Financial Stress
- + 1 in development
Explore
From $19
Quick Guides
- What to Say When You Can't Pay
- Navigating Financial Hardship
- Negotiating Medical Debt
- Disputing an Error on Your Credit Report
- + 1 in development
Explore
From $19
Calculators & Worksheets
- Emergency Fund Worksheet
- Rent or Own Calculation
- Life Insurance Needs Calculation
- Debt Reduction Calculator
Explore
Always free
Free Community Offerings
- The Community Money Journal
- Financial Focus Friday
Explore
Coming soon
Reading & Trusted Links
- Books
- Tools
- Trusted links
Explore
Membership & collections
Inner Wealth Membership · $199/year
One year of everything in the library, including every new resource released while you're a member. Or start smaller: Signature Inner Work Trio $119, Calculators & Worksheets $69, Quick Guides & Courses $99 — or buy any resource on its own.
See everythingIn their words
What changes when the inner work comes first.
I came in thinking I needed a budget. What I actually needed was to understand why I kept abandoning every budget I ever made. Three months later the spending changed on its own.
M. — Nurse, 38
Foundations package
The assessments named things I had never said out loud about money. Walking into our first session already knowing my patterns meant we skipped straight to the real work.
J. — First-generation professional, 45
Signature Inner Work + consultation
We had been circling the same argument about money for eleven years. Having a counselor who treated the emotions as seriously as the numbers finally moved us.
A. & R. — Married, 52 and 49
Transformation package
AFC®
Accredited Financial Counselor
90 min
Consultation, credited toward any package
30+
Assessments, calculators, and guides in the library
Client experiences are shared anonymously with permission. Individual results vary; counseling is educational and is not investment, tax, or legal advice.
Free · 2 minutes
Not ready to buy anything? Start with the Money Check.
A free seven-question mini version of the Financial Map of Consciousness assessment. Get your result instantly, plus occasional reflections and first access to new resources.
Take the free money checkOr just join the list
Work With Me
Support for your
financial wellness journey.
Every engagement begins with a 90-minute consultation ($250). If you continue into a package within 30 days, that $250 is credited toward your package.
The Consultation
$250
90 minutes to map your financial story, patterns, and next right step.
View details6 weeksFoundations
$1,150
Six weeks of guided work on your money story, values, and a grounded plan.
View details3 monthsTransformation
$2,200
Three months of deeper counseling, inner work assessments, and steady accountability.
View details6 monthsInner Wealth Immersion
$3,900
Six months of comprehensive counseling for lasting financial and emotional change.
View detailsBrand Philosophy
A Different Conversation
About Money
People are the experts of their own lives.
Financial decisions are rarely just about money.
Financial wellness is a process of self-discovery.
There is no need to feel embarrassed here.
Growth begins with curiosity, not criticism.
Understanding creates more change than shame.
Financial wellness happens when self-judgment is replaced with self-awareness.
Money is personal because life is personal.
Why this work matters
Money Is Not
The Goal.
Money matters. But money is rarely the destination. Money is a tool.
The deeper questions are:
- What kind of life are you trying to create?
- What matters most to you?
- What are you trying to protect, build, experience, or contribute to?
- How can your financial decisions better support the life you want to live?
Financial wellness is not about perfection. It's about alignment.
The Framework
The Financial Wellness Path™
Financial wellness is not a destination. It is an ongoing relationship with yourself.
Ongoing
An inward path
- 01
Awareness
Understanding your current reality.
- 02
Understanding
Exploring your values, emotions, beliefs, and patterns.
- 03
Alignment
Making decisions that reflect what truly matters.
- 04
Confidence
Building trust in your ability to navigate financial decisions.
- 05
Momentum
Creating sustainable progress over time.
Sustainable Growth
Success shouldn't cost
your well-being.
Many people have been taught that success requires endless sacrifice. Work harder. Push through. Do more. Carry more.
But sustainable success looks different.
Financial wellness isn't about squeezing more productivity out of yourself. It's about creating a life, career, and relationship with money that can actually support your well-being.
A Reframe
Growth should feel sustainable.
Not
Exhausting.
Free Weekly Community
Financial Focus Friday
A free virtual body-doubling hour for the financial tasks you have been putting off.
Bring your lunch. Choose your task. We’ll provide the accountability.
Learn More & Reserve Your SpotCredentials
Compassion meets
competence.
Accredited Financial Counselor® (AFC®)
More than a decade of experience helping individuals and families navigate financial challenges and decisions.
You deserve both expertise and empathy.
In their words
Reflections from this work
- “I stopped feeling ashamed.”
- “I finally understood the patterns.”
- “I learned to trust myself.”
- “I stopped trying to fix myself.”
- “I felt understood for the first time.”
- “I realized I wasn't broken.”
- “I began making decisions that aligned with my values.”
Future Vision
A more human approach
to financial wellness.
My vision is to contribute to a more compassionate and thoughtful conversation about money.
Through counseling, educational resources, assessments, writing, workshops, and future publications, I hope to help people better understand themselves and their relationship with money.
Because lasting change rarely comes from pressure.
It comes from awareness, understanding, and meaningful action.