What if you could finally become financially independent, building financial resilience, knowing that your money is doing what it needs to do, with less stress and more joy?


Financially Free™

Inside Financially Free™, you’ll get everything you need to heal your financial habits so you can get free from money fear, guilt, and shame and live financially free.

Join today – doors close soon!

Tell me if this sounds like you:

You want to live within your means, save for a rainy day, and still enjoy some “just for fun” expenditures (without the guilt).

You need a way of managing your money that is aligned for you, one that you will actually use today AND tomorrow.

You have too much debt, and no idea how to get out from under it.

You’re over trying to will yourself to save more and spend less.

You’re tired of feeling guilt and shame every time you think about money.

You wish there was a way to just figure it out and get your financial -ish together.

Good news!

I help my clients with those same problems every single day.

And, if you’re like any of them, you’ve probably made some of the same mistakes.

Mistakes like…


Restrictive budgets, like diets, don’t work for anyone.

We’re human!

Life is changing and unpredictable.

Financial Wellness is spending and savings plan that we use for our benefit – NOT rigid rules we have to submit to or fail.

If it’s not working for you, it’s not the right Financial Wellness Strategy.


Debt can happen overnight, but getting out of it won’t…

With a clear strategy, paying down debt can happen faster than you think.

And when paying down debt is part of a clear spending plan, it’s almost effortless.

Inside Financially Free, we use the Debt Eliminator to not only craft a debt reduction plan, but also give you a clear timeline for becoming debt-free.


Most people are not great with money.

This isn’t our fault. We simply are not taught how to understand personal finance and our financial psychology.

When we “make enough money,” what that often means is that we make enough money to get away with financial behavior that still does not serve our highest goals.

However, we may find later on that the cost for not utilizing a clear and intentional strategy is higher than we thought.


Waiting to start saving will cost us more than we can imagine.

The earlier you start saving, the more time your money has to grow through the power of compound interest. Starting retirement planning early can lead to an earlier, more comfortable, and secure retirement.

Also, because you are young, you the opportunity to never be stuck with consumer debt.

If you create an emergency fund now, you can us that to cover unexpected expenses rather than credit cards. Wouldn’t it be better to borrow money from yourself rather than a credit card company?

Inside Financially Free™, we use the Savings Engine to build up savings now to support your future.


Financial Wellness is for EVERYONE.

If we don’t know how to manage $100, we don’t know how to manage $100,000.

Financial Wellness is how we related to the money we earn and the way we spend it.

It is how we are in relationship with our money and using it to serve our best interests and highest values.

In Financially Free™​, the focus is on finding where we ARE in control of our money and finding ways to expand that control.

Anyone can maximize and expand their personal economic power.


It can feel like a risk to part with more money when you are already on the struggle-bus.

However, with Financially Free™, we go on a journey to healing that will not only help you get out of financial trouble (and stay out), but most people will gain many times over the amount that they spend on the course.

We can spend the money on more financial trouble, or we can spend the money to get out of financial trouble.

Let’s get on the path to help you become financially stable, secure, and independent, together!


If there was a way you could sleep at night knowing your financial life is in order and you are free to make choices that are best for you and your family.

You could finally have freedom from debt AND savings for unexpected expenses…

You could leave a job or relationship that is not serving you…

You could login to your bank account feeling confident and secure…

You could know that every financial decision is aligned with your true values and taking your in the direction of your goals…

All of that is possible inside Financially Free™​…

Join today! The doors are closing soon.

Today only…

When you enroll in Financially Free™​,
you’ll save $150!

Who is this right for?

Married/Partnered Women+ Who Know They Need Financial Security and Independence

Married/Partnered women+ are wise to pursue Financial Wellness. By creating a way of life that ensures freedom of choice, security in the event of the unthinkable, and the ability to protect your way of life for yourself and your children (if you have them!), you ensure a future that is financially stable.

Women+ Just Starting Out Who Want to Start Our Smart and Live Financially Free

This is the very best time to establish your Financial Wellness. By creating a solid strategy from the beginning, you can avoid entirely the pitfalls of consumer debt and feeling trapped in a job or relationship because of money. You also know that the money you save now will ensure financial flexibility and freedom in the not-too-distant future.

Single Women+ Who Want to Strengthen Their Financial Confidence and Security

You deserve to know that you are secure and independent, handling any need that comes your way. Financial Wellness allows us to live our best lives, fully, and without apologies. You want to sleep at night knowing that you’ve got your financial -ish together!

Basically, this is for you if…

You want to practice sustainable Financial Wellness.

You’ve tried other budgeting strategies, but you are overwhelmed trying to keep it going.

You’ve got a lot of credit card and student loan debt, and you’re overwhelmed by the prospect of paying it down.

You’re just getting started after finishing school and you’re overwhelmed by how to manage your money.

You want a flexible, shame-free way of healing your relationship with money and acheiving financial freedom.

On the flip side…

This is not for you if…

You’re looking for a magic bullet.

You prefer to spend time gathering financial wisdom and advice from many sources rather than a holistic, integrated financial strategy that recognizes your humanness.

You’re not interested in changing your financial circumstances.

You want to keep trying what you’ve been trying.

Hi, I’m Karen…

I’m a Psychotherapist and Certified Financial Social Worker who works with women+ to help them become financially stable, secure, and independent, so they can have more freedom to live safe, free, and abundant lives.

I’m a proud GenXer (whatever) and a mom, step-mom, and grandmother with two purebred-good-boy pups, and two cats. I’ve also picked up drumsticks for the first time over the past year (I’ve never played an instrument!).

I’m also a practicing psychotherapist with over 20 years in the mental health field, and nearly a decade as a business owner and personal finance advocate. Whatever I’m doing, I find the greatest joy in helping women+ get empowered and get free.

Why I created this…

I wanted to have a way to reach more women+ in an accessible, affordable way.

I hate to see women+ struggling financially and feeling trapped when we don’t have to.

I believe that when women+ are financially free, everyone does better.

What’s Inside

Financially Free™​

Module 1: Welcome!

In Module 1, you’ll develop your Financially Free™​ Mindset and write your Financially Free “Why” Statement.

We will also clarify why this process is so important for women+ and the variety of ways that we can be financially stable, secure, and independent.

Module 1 gets you ready to dig into the work of becoming financially stable, secure, and independent with clarity of purpose to help you stay focused and motivated for the journey to financial freedom!

Module 2: Your Financial Identity

Get to know your relationship with money – understand how you got here, so you can get there.

In Module 2, you’ll explore your money history, family of origin, and financial experiences to identify your Money Story.

You’ll develop a deeper understanding of what you believe about money, how you feel about money, and why. You’ll understand the impact of financial trauma and know that you can release financial shame.

Module 2 sheds compassionate light on the hidden reasons we do what we do with money, so we can heal and create a new Money Story.

Module 3: Thinking About Money

Who doesn’t love a good self-assessment quiz?

In Module 3, you’ll discover the ways you think about time, the future, and well, everything – and how these ways of thinking impact financial decisions, small and large.

You’ll take your Money Style Self-Assessments and use the Financially Free™ Future Self Visualization Strategy to dirve your motivation and increase financial self-control.

You will develop your Statement of Highest Financial Values to clarify and guide your journey to financial wellness.

Module 3 gives you little known, but powerful insights into how you think in order to make your relationship to time and the future better serve your financial goals.

Module 4: Your Personal Economy

See your personal finance in a whole new and empowered way.

In Module 4, you’ll get to know what the Personal Economy is and how it works as a framework for understanding your entire personal finance picture. Then, you’ll use the Financially Free™​ Personal Finance Economy Developer to identify ways in which you can improve the flow of money in and out of your Personal Economy.

Module 4 gives you what you need to see you financial big picture and identify specific ways you can improve your Personal Economy.

Module 5: The State of Your Personal Economy

This module is a little hand-holding for gathering all of your financial information in one place.

Module 5 is where we gather everything we need to be able to see our whole financial picture, in detail. When we are finished, you’ll have what you need to develop your new systems and processes, at your fingertips.

This is gentle support so you can get this part done and make everything easy-peasy.

Module 6: Your Personal Economy Strategy

In Module 6, we will guide you through a process of unpacking the details of your current financial status using the Financially Free™​ Toolkit. Then, we will develop your Financially Free Integrated Spending Plan so you can spend well, save more, and eliminate debt without sacrificing all of life’s pleasures.

Together, we will create a powerful process for making your money work for you.

Module 7: Financially Free™​ Forever

By changing your Money Story and creating a fluid way of managing your money, you can be Financially Free™​ forever!

In Module 7, we learn the Financially Free™ Strategies and build your Financially Free™​ Team.

Let’s toss out perfection and bring in flexibility to live free with our finances!

Community: Monthly Q&A Calls/Weekly Email Support

You’re not alone on your journey!

You’ll join other women+ along the journey to making your financial dreams your reality. You’ll join us on the last Friday of the month over Zoom.

Can’t make it? No worries. All Financially Free™ Q&A calls are recorded, so you can catch up at a time that works for you.

You’ll also receive 12 weeks of weekly encouragement emails from me to support your progress through the course.

We do better together!

Join Today! Doors are closing soon.

There’s More! Inside you’ll get..

Financially Free™ Mindset Hacker ($100 value) – Get into your Financially Free™ Mindset so you get unstuck and ready for change.

Financially Free™ Workbook ($25 value) – THE place where you will make your Financially Free™ journey happen.

Your Financially Free™ “Why” Statement ($200 value) – Understand your “Why” to keep focused and on track.

You Financially Free™ Statement of Highest Value ($250 value) – Get clear about your highest value(s) and financial decision-making is easy.

Your Money Story ($750 value) – Understand what drives your beliefs and behaviors around money, so you can change them.

Your Money Style Self-Assessments ($500 value) – Become a more effective money manager by understanding how YOU think and leverage that to help you succeed.

Financially Free™ Future Self Visualization Strategy ($225 value) – Powerfully craft a real vision of your future and get invested in making it a reality.

Your Financially Free™ Personal Agency Clarifier ($200 value) – Get clear about where you have financial control and maximize these spots for even more financial control.

Financially Free™ Personal Economy – $750 value) – Define and map your Personal Economy.

Financially Free™ Integrated Spending Plan ($1,500 value) – create your detailed spending plan that works for you and carries you directly to your financial goals.

Financially Free™ State of Your Personal Economy ($500 value) – Create a clear understanding of where you money comes from and where it goes – AND how to turn your resources into assets generating revenue!

Financially Free™ Toolkit ($1,500 value) – your toolkit for developing your Financially Free™ Spending Plan, Savings Engine, and Debt Elimination Strategy.

Financially Free™ Weekly Support Emails from Karen ($200 value) – Receive 12 weeks of encouragement and support right in your inbox! Weekly messages and additional resources help you stay motivated and on track.

Financially Free™ Forever Strategies – $300 value) – Harness the strategies that will help you get and stay Financially Free™!

Financially Free™ Community Support ($500 value) – Join other students for Monthly Q&A Zoom calls with Karen to get your questions answered and learn from other women+ on your journey to financial freedom!

A total value of $7,500.

Get started today for just $150.

I’ve tried several budgets and I just can’t stick with them. How is this different?

Financially Free™ is not just another budget. Financially Free™​ takes you though a process of understanding your relationship with money (and budgets!) and helps you create a spending plan that works for you and with you. It’s not a “pass/fail” kind of thing.

Financially Free™ knows you are human. We do nothing perfectly, especially when it comes to money, so this isn’t about process, flexibility, adaptability, and doing what makes sense for YOU

I’m busy and I don’t have a ton of time.

Is this going to overwhelm me?

Part of the Financially Free™ philosophy is that you go through the course in the way that best works for you.

For some people, going through it quickly and getting it done fast is the way to go. For others, doing a little bit at a time and keeping it manageable, is the best way to go.

The point is to  just keep going and do the next thing. You will get there.

When are the Q&A Calls and what if I have to miss one?

The Financially Free™ Student Q&A calls are scheduled for the last Friday of the month at 12:30 PM EST. Calls will last one hour (or as long as there are questions) and will be recorded. Can’t make it? No worries! You can catch the recording!

What kind of tech knowledge do I need to do this successfully?

You will need access to a computer or laptop, some very basic knowledge of Google Sheets (it’s just like Excel), and the ability to use the You Need A Budget app. Most people will have adequate tech knowledge to complete the course easily.

Will I need to buy anything else in order to use the Financially Free™ system?

Finacially Free teaches you how to create an Integrated Spending Plan that utlizes the app You Need A Budget (YNAB) If you already use this app, great! Inside the course, you will learn some new strategies for making this powerful budgeting app even more powerful!

As of this writing, YNAB offers a 34-day free trial and costs $99/year after that. The cost for YNAB is not included in the price of the course, but it is well worth it!

I don’t really make much money.

Is this relevant to my situation?

Yes! Everyone, no matter their financial circumstances, deserves financial health and can acheive financial wellness. Financial freedom is not about being wealthy (although it can be), but instead, we focus on creating stability, security, and independence with what we have whether it is $100 or $100,000.

In Financially Free™, we focus on maximizing what you’ve got so that you discover that small changes, made over time, create big changes in financial freedom.

I make a lot of money and I don’t have much debt. 

Is this relevant to my situation?

Yes! I’ve known many people who make great money, but feel trapped, fearful, and ashamed about money and financial decisions. Most people have money issues and struggle with healthy financial management. Having enough money often means having enough money to “get away with” money problems rather than not have money problems.

Financially Free can help you take your abundance from enough to truly empowered security and a full future.

How do I get started on the course?

Once you have registered for the couse, you gain lifetime access and can get started right away! You do not need to finish within a specific timeframe. What matters is that you complete it in a timeframe that works best for you.

You will also receive any and all future updates to the Financially Free™​ course at no additional charge.

As I hope you will revisit the course over and over on your lifetime Financial Wellness journey, this is a great benefit!

Once you complete your registration, you’ll receive instructions via email to get started!

How long will it take for me to finish the course?

What will I have when I’m done with the course?

Once you begin the course, I recommend you spend at least two weeks (although several months is perfectly fine, too) going through the course.

It can certainly be completed faster. However, the more time you spend doing the deeper work on understanding your Money Story and the many other aspects of your financial life, the more impactful the work will be for you.

It is good to let things marinate a little, you know?

When you are finished, you will have clarity about your relationship with money, and overview of your Personal Economy, and a solid system for managing your personal finances in place.

What if I need help as I’m going through the course?

If you have questions during the course, you are welcome to email me. I answer questions one a week for course participants.

What is your refund policy?

If for any reason you are unsatisfied, reach out and we will be happy to provide a full refund within 7 days of purchase. However, I am confident that you will find the benefits of Financially Free™ are greater than the investment!

If you have read this far…

You have two options:
Continue to spend more time and money trying to figure it out on your own…
Or, finally save time and (a lot) of money with a holistic strategy for financial freedom so you can stop stressing and start living Financially Free™​!

Join today! Doors close soon.

Choose an option below and get started today!

Pay Monthly

Six  Monthly Payments of $150

The complete Financially Free™ Course ($7,500 value)

Pay-In-Full Discount

One time payment: $750

The complete Financially Free™ Course ($7,500 value)

Copyright ©2024 The Avalon Center for Integrative Therapies, LLC