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Net Worth and Cash Flow Analysis

Weigh the decision before you make it, instead of guessing at it afterward.

Houston, Texas, and worldwide by video.

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A woman walking outdoors reviewing a single summary of where her money stands
The Service

One Picture Instead of Eleven Logins

Most people do not have a money problem so much as a visibility problem. The current account is in one place, the savings in another, an old retirement account somewhere you would have to reset a password to reach, the car loan on a statement you skim, and a card balance you know the rough shape of. Every piece is findable. None of it has ever been in one place at one time.

So the question that actually matters, whether you can afford the thing you are considering, gets answered by feel. Sometimes the feeling is too cautious and you say no to something you could have had. Sometimes it is too optimistic and you find out afterward.

This is the session that ends that. We gather what you own and what you owe, put your real monthly movement beside it, and you leave with one page you can actually look at.

What you own What you owe What moves monthly Where you stand
Your position, on one page
What It Is For

The Harder Calls

The KAMAS Method™ step called Map is about directing your money according to your values, and knowing how to navigate the harder calls. This is the work that makes those calls answerable.

  • Can we take this on?

    A move, a bigger place, a second car, a renovation. Not whether the payment fits this month, but whether the position absorbs it.

  • Can I change how I work?

    Going part time, taking the lower-paid role you want, leaving to start something. The question is how long your position gives you.

  • Where is the pressure coming from?

    When it feels tight but the income is fine, the answer is almost always visible in the position rather than in the month.

Read This Part

What This Is, and What It Is Not

This is a coaching session that builds a clear picture and helps you think about it. It is not a financial plan, a valuation, or a recommendation about what to hold.

I am a Certified Financial Coach with an M.Ed., not a CFP, a CPA, an attorney, or a registered investment adviser. I do not sell insurance, investment products, or securities, and I do not give investment advice. I will not tell you how to allocate a portfolio, what to do with a retirement account, or how a decision should be structured for tax. Those are licensed work.

What I will do is make sure that when you take a question to the professional who handles it, you arrive with your numbers in order and a clear view of your own position, which is usually the difference between a useful appointment and an expensive one. When a question needs a licensed professional, I will say so and work alongside the person you already trust.

Next Step

Start With a Conversation

The picture is the starting point of Financially Fierce 1:1 coaching, and it is the position the Kamas Cash Compass™ maps from: what you have today, connected to what you want it to accomplish. If what changes month to month is the harder part, that is cash flow coaching instead.

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No pressure. No obligation. Bring whatever statements you can find.

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Common Questions

Net Worth Analysis FAQ

Common questions about seeing the whole picture at once

Before You Start

Do I need to gather everything first?

No. Arriving with eleven logins and no idea what they add up to is the normal starting point, and assembling the picture is part of the work rather than a prerequisite for it. Waiting until your paperwork is tidy is how people put this off for years.

What if the number is worse than I think?

Then you find out now instead of later, and you find out with someone in the room. A number you are avoiding is already affecting your decisions; it is just doing it without your input. Nothing here comes with a lecture attached.

Is my net worth the point?

It is the instrument, not the goal. One picture makes the harder questions answerable: whether you can take something on, whether you can change how you work, and where the pressure is actually coming from. The number by itself settles none of those.

What This Is Not

Is this investment advice or portfolio management?

No. I do not sell insurance, investment products, or securities, and I do not give investment advice. I am a Certified Financial Coach with an M.Ed., not a CFP, a CPA, an attorney, or a registered investment adviser. When a question needs a licence, I will say so and point you to the right professional.

Will you tell me what to buy or sell?

No. The work is about what your money is doing and what you want it to do next, which is a different question from which instrument to hold. If you have an advisor, this tends to make those conversations more productive rather than replacing them.
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What Clients Are Saying

What Clients AreSaying

Straight talk, practical tools, and support that lasts

When I met Sharon, I was walking in self-doubt. I was a master at talking myself out of going for what I wanted. I struggled in relationships and reacted to everything! I couldn't even imagine creating goals, much less reaching them. Sharon as my coach was like having a cheerleader on my shoulder, whispering "you've got this" all the time because she allowed me the space to figure out what was missing and go for it.

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Kim

Before working with Sharon, I was struggling with saving money and my spending was all over the place. Half the time, I didn't even know where my money was going or what I was spending. Working with Sharon has allowed me to create an emergency fund and set goals that are so meaningful to me that I don't waver or get distracted when it comes to my money anymore. She helped me understand my options without making me feel guilty or ashamed of my situation. In two short months, I had a solid plan for paying off my debt, including paying off my house early, saving thousands in interest, and an emergency fund.

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Barbara

I decided to pursue coaching because I was feeling stuck. Because of this, I realized I needed to talk to someone who could provide an unbiased perspective of the things I was experiencing, while also not being afraid to hold me accountable for my actions. My friends recommended therapy, but I knew it wouldn't be the right fit for me. It wasn't until I suggested to a friend that we become accountability partners and the prospect fell flat that I realized I needed to find a way to become accountable for myself and my own actions. As a result of this, I decided to take the step to invest in myself and work with Sharon.

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V. Taylor

I had the privilege of being coached by Sharon and I can say that she is an exceptional coach. She listens attentively and provides sincere advice, always with my best interests at heart. Her ability to ask the right questions helps you find your own answers and discover new paths. Sharon genuinely cares about helping you reach your goals, offering a supportive and friendly hand along the way. I highly recommend Sharon to anyone looking for guidance and growth.

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Dayra

Sharon, you have been instrumental in helping me see not only what is possible, but what was holding me back. You have helped me uncover what years (and you know, it has been years) of therapy didn't touch. For the first time, I have money left at the end of the month AND all my bills are paid. No interest is being given away to a credit card, and I finally feel like retirement will be an option. But that isn't the best part.

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Lacey

The best part about investing in a coach is how confident I am with my money now and even more confident in how I communicate and advocate for myself.

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Jan

Your money deserves a plan you can keep

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