OLIVER, 27, ON BUILDING FINANCIAL CONFIDENCE EARLY IN LIFE

When Oliver first reached out to Spend With Clarity, he was feeling financially lost. Without a budget or a clear understanding of where his money was going, planning for the future felt overwhelming and uncertain.

“I didn’t have any sort of budget—didn’t even know how much I was spending each month,” Oliver shared. “I didn’t have a plan and was looking for one.”

Finding Clarity and Control

Through our work together, Oliver gained the tools and perspective he needed to turn things around:

“I learned how to assess my finances realistically—where I am now, how to improve, and how to plan for the future.”

As a result, Oliver’s confidence has grown dramatically:

“I feel much more at ease and confident about what my future looks like. Honestly, I’m even a little more excited to talk about money now.”

Major Financial Wins

One standout success? Oliver paid off his student loans in full—an incredible milestone at 27.

He also gained something just as important: a clear understanding of his net worth and how to track financial growth moving forward.

Coaching That Makes Financial Growth Feel Possible

What surprised Oliver most about coaching?

“How much easier it was than I thought.”

He described the coaching approach as:

“Very understanding and not judgmental. Hits the ground running with visible results.”

Advice for Others

Oliver recommends financial coaching for young adults, especially those just starting out:

“Anybody in college or coming right out of it. High school even. Earlier the better.”

And for anyone unsure about taking that first step?

“Just talk to him once—I’m sure you’ll change your mind.”