Richard Dirks is a Ramsey Master Financial Coach who is personally DEBT FREE. COACHING AREAS: Budgets, Collectors, Foreclosures and Mortgages, Bankruptcy, Insurance, Retirement, & Estate Planning. Skype or in-person sessions available. My strategy includes initially meeting to discuss a general 30,000 foot level review of the finances. When folks come to me in crisis, developing a plan to stabilize the situation is first priority. After addressing the crisis, I encourage a discussion of hopes and dreams and how they can be achieved financially. At the end of that first meeting we develop a strategy to move forward. Immediately, if there is not an existing budget, I start coaching you to develop a zero based budget. I regularly review your developing budget. A sustainable budget is usually completed with one to three sessions.