Personal Finance Coaching and Education with Pam Richardson

In August of 2013, I Hit Financial Rock Bottom.

After three decades of lying to myself, my husband, my children, and my friends about my finances, my income was hopelessly dwarfed by overwhelming debt. I was in deep trouble -- out of time and seemingly out of options.

How Did I Get Here?

No one looking at me from the outside would even guess what was going on beneath the surface. I was married with two grown children. We lived in a lovely town in a lovely home. In fact, I had been raised in a quintessentially quaint and charming small town in New England – my entire life had been filled with apparent perfection, but it masked a much harsher reality.

My father didn’t believe a woman should be financially self-sufficient. That was the work of men. While my mother compliantly followed my father’s rules and direction, I was not so agreeable. My mother did give me one very valuable piece of advice – “Get out as soon as you can!” And that’s what I did, leaving home at 17 to attend college against my father’s wishes.

At last free of my father’s overbearing presence, I celebrated by living a life where I fulfilled every impulse and desire, all made possible by easy credit. Everything I bought gave me a heady sense of living my own life. Frankly, it felt good.

And it continued. Through my early social worker days, returning to school, marriage, and children, one thing was constant -- my out-of-control spending habits. Even as the debts mounted, I didn’t dare admit it – not to my husband, not to my friends, not even to myself (especially not to myself).  I became expert at hiding things, keeping uncomfortable secrets, and I perfected the fine art of manipulation -- anything to make sure my impulsive behavior could continue unchecked. Despite that, the destructive grip of money addiction had a way of coming out. It stressed my marriage to the breaking point, and confused my relationship with my children.


Looking in the Mirror on that August Day, I Had Never Felt so Alone…

Something had to change. Finally, I took action. I pursued education again, but this time I was on a mission to learn as much as I could about finance and financial recovery. Even so, it wasn’t until I hired my first money coach that I actually started making real headway. It wasn’t easy. In fact, it was the hardest thing I have ever done, but boy was it worth it.

My Life Today is Nothing Like My Life of the Past.

There are no more secrets. My relationships with my husband, children, family, and friends are much richer. Even more importantly, I’ve been able to heal my relationship with myself. I no longer look in the mirror with self-loathing, and that is priceless.

I hope my story encourages you. There is a way back. Today, it is my great privilege to work with clients to help them find their own path forward to a healthier relationship not only with money, but with loved ones, and, especially, themselves.


Who better to walk beside you than someone who has already walked through it?

Are you ready for the journey?



With a background in social work, an MBA in Business Administration, a Master’s degree in Education, training with Dave Ramsey, I’ve got the resources to prepare you to succeed financially while ensuring that you feel comfortable during this transitional process.

  • Social Worker

  • Field Consultant for the Office of Alcohol & Drug Abuse Prevention

  • Masters in Business Administration (MBA)

  • Masters of Education (MEd)

  • Dave Ramsey Master Financial Coach Training

  • Karen McCall’s World Class Money Coach Training.