Tomi Kukta
Ramsey Solutions Master Financial Coach

Foundation

"The rich rule over the poor, and the borrower is slave to the lender." - Proverbs 22:7

Debt isn't just a financial burden; it’s a weight on your freedom. My coaching is built on the timeless principle that true wealth begins when you stop working for the bank and start working for your future.

The Proven Path

These are the milestones we will achieve together, based on the Ramsey Principles: 

• Build a starter emergency fund.

• Pay off all consumer debt.

• Fully funded emergency fund.

• Invest for the Future.

• College Funds for the Kids.

• Pay Off the House.

• Build Wealth & Give.

Why Work With Me?

Getting out of debt isn't just a math problem—it's a behavior problem.

• No Judgement/No Sales: I focus on where you are going, not where you've been. To ensure my advice remains completely objective, I do not sell insurance or financial products. I don't earn commissions—my only focus is YOUR success.

• Accountability: I provide practical steps, not generic theories.

• Generational Focus: We aren't just fixing your bank account; we are changing your family tree forever.