You make good money — but it still never feels like you have enough

Beyond Money helps women who earn well but live paycheck to paycheck finally build structure, reduce debt, and feel calm and in control of their finances.

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You’re competent, successful, and capable…but money still feels stressful, chaotic, and unpredictable.

Maybe you:

  • earn a solid income yet feel like you’re always behind

  • find yourself living paycheck to paycheck despite your salary

  • carry credit card debt you can’t seem to shrink

  • avoid looking at your balances until it’s urgent

  • feel embarrassed that money is still a struggle at your income

  • oscillate between denial and panic month after month

You’re not the only one experiencing this, and you’re not broken.

This is exactly the situation Beyond Money was built for.

How it works

Most money advice focuses on what to do. But knowing what to do doesn’t create lasting change when shame, avoidance, perfectionism, and inconsistency are part of the picture.

We help you build clear systems, get practical traction, and stay accountable without judgment — so you finally feel steady and capable with your money again.

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Beyond Money is for people who are competent and high-achieving in most areas of life… and feel a sharp disconnect when it comes to money. If you’re dealing with things like:

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Living paycheck to paycheck on a “good” income — and embarrassment that this is still a problem

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Credit card debt, personal loans, or other debt that won’t seem to budge no matter how many times you’ve tried

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Money avoidance mixed with bursts of urgency…and overspending, disorganization, or financial whiplash to match

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You’ve got this big secret – you’re money struggles – that you’re hiding from your friends or family 

…then you’re in the right place.

(And yes: we mostly work with women earning $150k-500k. You don’t have to struggle with earning to need support.)

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TRAUMA-INFORMED FINANCIAL COACHING

Change that lasts

Most people who find us don’t need more financial information. You already know the basics.

What’s missing is a plan that fits your real life — and the support to stick with it long enough to let it work.

We help you:

  • understand where your money is actually going

  • build a realistic spending plan so you can still enjoy your life (no cruel deprivation approach)

  • pay down debt with a strategy you can sustain

  • build savings so money stops feeling so tight and you can absorb expensive months

  • change the patterns underneath the chaos (without it turning into a shame spiral)

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HOW IT WORKS

Our core offering is a four-month coaching program designed to kickstart a new financial reality.

You’ll meet with a coach biweekly, build a clear roadmap, and get support between sessions so that you’re not doing this alone.

CLIENTS EXPERIENCE:

  • meaningful debt reduction

  • savings growth

  • fewer “financial fires”

  • more clarity and confidence

  • less anxiety and avoidance around money

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On average clients see:

31K NET FINANCIAL GROWTH

18K IN CONSUMER DEBT PAID OFF

12K ADDED TO SAVINGS ACCOUNTS

55 POINT INCREASE IN CREDIT SCORE

 
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HERE’S HOW THE WORK SHOWS UP — IN PEOPLE’S INNER LIVES, THEIR RELATIONSHIPS, AND THEIR BANK BALANCES

 
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Working with Beyond Money has been a life-changing experience. I initially dove into it thinking "let me get my finances together" but it has been so much more. For most of my life my relationship with money has been defined by guilt, shame, and extremes. I constantly thought, "I am a smart, reasonable person, why am I like this?" Through Beyond Money’s program, I was able to demystify and unpack my difficult relationship with money...and achieve my personal and financial goals in ways I never could have done alone.

- Alicia Q.

When I went from freelancing to landing a salaried job in tech, I wanted to make sure I was smart about my new higher income. From the get go, Kate was professional, direct, and open. She listened to all of my money worries without judgment and made me feel comfortable being vulnerable about my finances. She kept me accountable and confident about saving (and spending!) for the first time in my life.

- Anna R.

My experience with Beyond Money has been nothing short of amazing. Like many people, the last year has been incredibly stressful and having such an awesome money coach was a huge mental relief for me. It's kind of hard to imagine not being able to work with them now.

- Phil P.

 

Hi, I’m Kate!

Beyond Money was founded by Kate Grayson, a Chicago-based financial coach who wanted to build something very different from the financial industry she’d experienced herself.

Kate has seen firsthand how many smart, capable people struggle with money — not because they’re irresponsible, but because they were never given systems that work with real life. After years of watching friends and loved ones quietly stress about debt, overspending, and paycheck-to-paycheck chaos (often on high incomes), she built Beyond Money as a practical, shame-free place to get support.

Kate has been coaching since 2018 and has worked with over 100 clients. Her approach blends clear structure with emotional awareness — helping clients change their money habits without judgment or fear.

Today, Beyond Money operates with a clear methodology so clients receive consistent, compassionate support — whether they’re working directly with Kate or with a trained Beyond Money coach.

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Want to get in touch?

Email us at hello@beyondmoney.co or call 773-490-1277.

If you’d like to explore coaching, schedule a no-commitment intro call here.

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