If you are a coach, financial professional, therapist, or someone who loves helping people—and are looking to earn good money without a big initial investment—this opportunity may be perfect for you.

Consumer debt is at an all time high.

People are working long hours just to make ends meet. Medical expenses continue to rise. The economy is unstable. People are uncertain about the future. And sometimes, smart, well-intentioned people—at all levels of income and all ages—just make bad decisions with their money…

Which means you are looking at a huge opportunity.

Millions of people everywhere are desperate to be free of their ongoing money problems.
And serious money problems require way more than budgets and planning tools.

You could be the one to help them change all of that...

What that single mom who wants the best for her kids, or that well-off but over extended middle-aged couple really need—and what they are looking for—is someone who is trained to show them how to recover, heal, and take charge of their financial future. And they need someone who will listen.

This is why Money Coaches trained in the Financial Recovery Process are in such high demand.

Financial professionals and credit counselors are valuable assets when it comes to money management and planning but are not usually trained to address the deeper emotional issues that keep people stuck in self-sabotaging money behaviors. These are the problems that, left unidentified and unresolved, will keep people in debt and despair.

An unhealthy relationship with money does not get better on its own because the root problem is often subconscious. Think of it as a money blind spot.

My program, the World Class Money Coach Training gives you the guidance, tools, and experience you need to not only tackle the deeper emotional issues and the day-to-day habits created by them, but also how to build a lucrative, highly rewarding business.

This is a step-by-step training complete with all the templates, forms, processes, and tools you need to become a competent and confident money coach.

In as little as 60 days, you could be helping people break free of their money problems and experience financial peace of mind forever.

You do not need to be a financial professional, accountant, counselor, or coach to become a money coach, but if you are, this program could add a very profitable, new revenue stream.

"I was able to help my very first client shift from a state of despair to hopefulness..."

“Due to the incredible financial coaching tools Karen provides us, I was able to help my very first client shift from a state of despair to hopefulness, so that now she is engaged in planning her way to financial freedom. This training has moved me from fear, doubt, and insecurity, to clearly and confidently offering my services.”

-Colleen Bertolino, Recovery Practices, LLC

How This Program Gives You the Power to Change Lives and Make Good Money 

Unlike any other money coach training program available today, the World Class Money Coach Program goes way beyond budgets and debt-reduction strategies.

It teaches you how to help people completely transform their relationship with money so they can be free of self-defeating money patterns forever.

Think of it as money management with heart.

As a trainee, you will learn and apply the tools, processes, and systems that help people identify and transcend their self-sabotaging money patterns, change their financial circumstances and create a financial future that supports their dreams, goals, and deepest needs.

This sets you apart from all of the budget-setting-only kinds of help out there. You see, people are more than just a bunch of numbers. The best money coaches know how to blend proven financial recovery processes with empathy, understanding, and compassion.

Why become a world class money coach?

Because you will learn how to earn a great income while making a positive impact on people’s lives.

  • You will have the freedom and flexibility to create your own schedule, set your own rates, and work with clients all over the world… without leaving the comfort of your own home or office.
  • Or maybe you’re ready to increase the profitability of your current business by offering a new service—one that will always be in high demand.

Whether you're ready for a new career, a new direction, or you want to make more money in your current practice, the World Class Money Coach Training gives you the guidance, tools, and experience you need to build a lucrative and highly rewarding business helping people break free of their money problems and experience financial peace of mind forever.

Behind the curtain on that word "forever"

There are many programs and individuals who teach people how to get out of debt. And that’s great, but it’s not a forever solution. Unless people deal with the reasons they get into debt and have a plan to correct the lifelong behaviors that got them there in the first place, they will be living a “Groundhog Day” kind of life paying off debt then accumulating it again.

As a World Class Money Coach, you can show people how to create new habits so they are in control of their finances. They will know how to end yo-yo debting, make smart decisions about saving and spending, and manage their money with confidence. Imagine how that will change your client’s life.

As a trained Financial Recovery money coach, you will be able to:

  • Establish your own thriving business as a money coach.
  • Have a life-changing impact on individuals, families, and businesses by showing them how to establish a healthy relationship with money and build a solid, sustainable financial future.
  • Be your own boss, design your own schedule, and make great money in any economy—from anywhere in the world.
  • Help people build self-esteem and self-confidence as they create the financial stability they've always dreamed of.
  • Transform your own relationship with money and establish financial stability for yourself and your business.

Why there’s no better person to train you to become a successful World Class Money Coach...

My Story

Hi, I’m Karen McCall.

I’m an author, a speaker, and the founder of the Financial Recovery Institute & MoneyMinderOnline.

Some refer to me as the pioneer of the Financial Recovery movement. And indeed, I’ve been helping men and women build healthy, thriving financial lives for more than three decades.

But first, I had to help myself…

In the 1980s, I was living in San Francisco, enjoying a decade-long sales career at a tech firm. I looked every bit the part of a successful, self-made woman.

I had the prestigious address, a designer wardrobe, the late-model sports car, and a corner office in a landmark skyscraper in San Francisco’s financial district.

But despite all of the material items I had amassed, I felt empty and I was in a financial mess.

I was living paycheck to paycheck.
I was behind on my rent and car payments.
Bill collectors were hounding me.
I was racking up credit card debt at an exorbitant rate.

I was caught in a vicious cycle of feeling empty, then overspending to fill the void, and repeating the cycle over and over again.

Like so many others, I had been living in what I call a money coma…

I was utterly unconscious of my relationship with money—and that relationship was exactly what I needed to understand and change.

The worst thing was, for too long, I was ashamed to ask for help.

Eventually, my situation became dire and I was tired of hiding this dirty little secret.

So I began seeking guidance to find my way out of the fog.

Financial advisors and accountants knew a lot about saving and investing, but not about the self-defeating money patterns that were ruining my life.

I went to therapy, which helped me process my pain, shame, fear, and sense of deprivation. But it didn’t give me concrete tools to help me handle money in the real world.

And then I had a realization...

Money is charged with emotional, practical, and spiritual meaning—and I had to attend to all three to transform my life.

Through this phase of self-study and counseling, I began to see financial growth and stability in my life. For the first time in years, I felt more confident and at peace. I had the emotional and practical elements in place.

I still felt like my purpose on earth was not being fulfilled. This is when I began to explore what my ideal life might look like. I wanted to feel more connected to my deeper purpose.

And I couldn’t shake the vision that I could help others out of their own financial fog and step into the light just as I had done myself.

Soon after, my Financial Recovery business was born.

And, though I was willing to work odd jobs until I could get my practice up and running, the truth is, I never had to.

Within the first few months of opening the doors, I was earning a real living, helping clients one-on-one.

Because I had already taken the steps to transform my own finances, I was fully aware of
where my business money was going and coming at all times.

I understand how money issues can derail the success of even the most dedicated, driven entrepreneur.

And, I truly believe that until you address your own money issues, it will be difficult to run a successful, profitable business.

Many early clients were struggling entrepreneurs.

They were ambitious, bright, and frustrated—hungry to experience success and make their dreams come true.

They were overworking, running up business debt, overwhelmed by the financials—all of the things you may be struggling with today. I worked with them by applying my Financial Recovery process to their unique challenges as entrepreneurs.

With my step-by-step guidance, I witnessed business owners at all levels transform self-defeating earning behaviors from the inside out.

I realized that there was a much greater need than I could ever fulfill.

Not long after, my very first client, a banker, approached me to tell me that she wanted to do what I was doing. She loved what the process had done for her and she wanted to create her own business helping others in the way she had been helped.

This story was repeated several times by other clients.

Soon, I started receiving requests from other professionals who wanted to be trained in the process as well. In 1991, I began the Financial Recovery Institute and organized my first official Financial Recovery Counseling Training.

Since then, I’ve had the pleasure of training countless Money Coaches.

I’ve witnessed them transform their own lives as they created successful, fulfilling businesses that gave them the lifestyle they desired.

What if I told you that just 6 months from now you could be on your way to a successful money coaching business, be fulfilled knowing you are helping others, and finally be on an upward financial spiral all on your own terms…

"My business is growing and my clients are experiencing real change in their money life."

"Karen’s program helped give me clarity and structure in ways to help clients find healing with their money relationships. I am already working with clients as a licensed marriage and family therapist. Her training gives me tools to guide clients deeper into their money story as we work directly with the numbers. My business is growing and my clients are experiencing real change in their money life.”

-Wendy Wright, [CFRC], CEDS, CIEC Financial Therapist

If there was a proven, step-by-step method for building a successful money coaching business, one that included:

  • how to get paying clients,
  • coaching and communication skills,
  • the philosophy of money, wounds and shame,
  • money tracking
  • and includes “over-the-shoulder” coaching sessions so you can watch Karen in action…

Would you finally feel ready to make money coaching, changing the lives of people who desperately need this service, and making a good living doing it, your next step?

When you finally have the confidence to turn your desire to do this into real world skills—and revenue—everything changes.

When you finally have the ability to change the lives of people struggling with debt, shame, fear, and no idea how to get out from under it all,
everything changes for everyone.

If you’re ready to join an elite group of current World Class Money Coaches as the next wave of those who will be able to bring peace, support, and new ways of doing money to the millions who need us, here’s how to do it...


The World Class Money Coach Training


I have created the most comprehensive training, based on my more than 30 years of experience. I've designed it to take you literally step-by-step from new kid on the block to savvy coach/successful business owner.

This training is not for anyone looking for a “magic bullet” kind of business.

This is a master's level, comprehensive program for anyone who has the commitment and desire to start a business or add a new revenue stream to an existing one.

If you are already a coach, then you probably have clients with money issues; too much debt, underearning, overspending in the name of “investing in their business.”

Right now, you may not know how to help them change their current money habits. But think of how their lives would change if you could...

As a WCMCT grad, you’ll know exactly how to help. This can set you apart from all the other life and business coaches—and as you know, there are plenty of generic coaches.

Don’t be that coach.

As a pioneer in the world of money coaching, I’ve been helping my clients create better futures, save their businesses, and get out of debt for good. And I've been training people just like you for 30 years. My methods are not only unique, they have stood the test of time and will continue to do so.

For years, the only way people could train with me to become a Financial Recovery Coach, was to work with me for one year. But I realized that some people who would make excellent coaches would not be able to commit to a year-long training. And the price was out of reach for many.

But, like you, I am committed to changing people’s lives.

I spent the last 18 months transforming and refining my one-year-long, $18,000 program into a virtual, go-at-your-own-pace, much more affordable one.

You’ll get lifetime access to over 25 modules, videos, worksheets, and exercises.

And you'll receive 6 months of live, weekly calls with Karen for Q & A and support to master the training on your journey to success.

*(Don’t worry if you can’t make the call live, all calls are recorded and available to you.)

"Signing up for Karen's training was one of the wisest decisions I have made for myself and for my clients."

“The World Class Money Coach program has given my coaching practice a unique and valuable focus that is supporting my clients in enhancing their self-worth and their net worth. Karen’s training gave me the tools and support that I need to help my clients create a healthy relationship with money—one that allows them to experience greater peace, security, and freedom in their lives. I feel confident and comfortable taking my clients through the Financial Recovery program, and I know I have a wise mentor and collaborative community of coaches to support me.”

-Dana Conley, M.A., C.Ht., Inner Alignment Coach and Financial Recovery Counselor

Let’s go through everything you’ll find in the program...

Phase 1

The Financial Recovery Process

These modules form the foundation for the World Class Money Coach Training.

You’ll learn what makes the Financial Recovery system different and more effective than other money coaching programs. And take an in depth look at the psychology of money, how money problems begin, and how they can turn into addictions.

  • Financial Recovery Overview
  • The philosophy of financial recovery
  • The 4 stages of financial recovery
  • Money disorders and characteristics of addiction
  • Common addictions financial counselors see
  • The progressive nature of financial dysfunction and the recovery process
  • Practical Principles of this work the Financial Recovery way

You’ll learn how to gain clarity about your client's financial history and how people’s external behaviors are guided by their internal stories about money. Think of it as psychology meets spirituality.

  • Healing the wounds of shame and deprivation
  • Saving Your Way Out Of Debt Overview
  • Work And Earning
  • The Personal Money Autobiography
  • The Work History Autobiography

Phase 2

The MoneyMinder Process-Money Management with Heart

In this phase, you will learn to use the primary tool a Financial Recovery money coach uses to bring about real change in their client’s lives—MoneyMinderOnline.

I developed this process because there just wasn’t anything out there designed to help people and small businesses connect emotionally with their relationship to money.

I built this software from scratch when I couldn’t find exactly what was needed to support this work. You’ll use it for yourself as a way to learn to use it with your clients.

During this phase of our work together, you will learn the first steps to mastering this incredibly helpful coaching tool including:

  • Helping clients get conscious and connected to their money
  • Helping clients detail out needs vs wants and desires
  • Creating their own unique categories for planning and spending
  • How to help clients avoid the pitfall of unconscious sabotaging
  • How to help clients prioritize what’s truly important to them
  • Helping business clients approach their finances in a way that works
  • How to help business owners maximize their earning potentials
  • Help each client in a way that no one else can understand their emotions around money and business

Phase 3

Working with Clients

This phase is all about working with clients including how to conduct a prospect call and over-the-shoulder videos of Karen working with clients

  • The Client Process
  • The First Contact
  • The First Appointment
  • Client Profiles
  • Creating a Client's Spending Plan
  • Using MoneyMinderOnline with clients
  • Working With Couples
  • Working with Small Businesses and the Business MoneyMinderOnline System
  • Working with Families
  • What Makes a Great Counselor?
  • Credit Card Usage and The Financial Recovery Coaching Methodology


Phase 4

Setting Up and Marketing Your Business

During this phase, you’ll learn and get access to everything you need to put a firm foundation under your work to grow a successful business

  • Setting Up and Marketing Your Business
  • How To Set and Raise Your Fees
  • A Vision For You And Your Client
  • Marketing. The marketing section includes presentations you can customize to fit your personal business and target market.
  • Forms, images, articles and ebooks to round out everything you need to be a money coach.

To say the training with Karen McCall is the best investment I’ve ever made is an understatement.

"The process she created is phenomenal, both in how it teaches people to take control of their finances, and how it gets to the root of deep-seated emotional blockages around money.… I’ve been successfully self-employed, making great money for over 20 years now—and my clients’ lives have truly changed as a result of the powerful financial recoverySMprocess.”

- Mikelann Valterra, Founder, The Women’s Earning Institute 

Who Money Coach Training is Perfect For

Learning to help transform people’s relationship with money is an excellent business for business or life coaches, therapists, financial planners, or counselors.

You already have the skills to actively listen to your clients, you know how to guide them to solutions based on where they are and where they want to go, and you understand that mindset and beliefs are critical pieces of a successful plan in any area of life.

Even if you are not in one of those categories, but you have a desire to help others, then becoming a money coach can put an end to your search for the right vehicle to do that.

Once done with the easy-to-follow, virtual training you will be able to:

  • Add money coaching to an existing business
  • Start that part-time or full-time business you’ve been dreaming of
  • Host classes for small business owners, young adults, or anyone who needs to get their money house in order

Each of these can significantly boost your bottom line!

I don’t say this to brag...
But I’ve trained MANY (to say the least) coaches and counselors over the years and some of the world-famous financial "gurus" have used my work with their clients.

It’s safe to say I know a thing or two about how people learn and what they need to succeed.


“If it wasn’t for Karen, would I be doing what I’m doing now?”

"Karen McCall is THE pioneer in the field of overspending, underearning, and chronic debting... and my long-time mentor. She was one of many professionals I visited in those early desperate days of my own financial crisis. She was, however, the only one who told me I was an "underearner". Initially, I balked at the accusation. But she broke through my denial, and I became her client... then her student. I often wonder, if it wasn’t for Karen, would I be doing what I’m doing now?"

- Barbara Huson, The Leading Authority on Women and Wealth 

I also know, as I said earlier, that this training is not for everyone.

This is not for someone looking for a quick fix to their financial problems or looking for a magic bullet kind of business.

It isn’t for someone who has no time to put in working through the material

It is also not for you if

  • You don’t desire to go deeper with your clients
  • You’re not concerned about making an impact
  • You’re not looking for referrals
  • You have no desire to understand the deeper emotional challenges that are facts of life for your clients

And maybe most important of all--it is not right for anyone who believes in “shelf help.” This program was designed to walk you step-by-step from introduction to what money coaching is to bringing on that first client and beyond.

But you have to do the work to get there.



Plus you are backed by my 60-day World Class Try It On and Test It Out money-back guarantee. 

See here for return policy details.

World Class Money Coach Training

Hear what money coaches are saying about training with Karen


Because I know what it’s like to worry it will be right decision…

And you might have done other trainings that were, well, meh..

Then I want to give you EVERY opportunity to put WCMC training into action and see for yourself just how easy and exciting it can actually be to coach others through their money problems while making good money yourself.

That’s why I’m throwing out the 30-day same old same old and instead giving you a full 2 MONTHS to go through the training, do the work as Karen directs, implement the systems, and start your money coaching business.

Here’s why you need to start the World Class Money Coach Training today

If you miss this opportunity to get started now, not only will you have to wait 6 months til I reopen registration, but you will pay more.

"How's your business right now?"

Wouldn't you love to answer that question with "I can't believe how well I'm doing" rather than changing the subject to, "well, anything but that?!!!"

Don't have a business yet?

You've heard the old saying, "The best time to plant a shade tree was 20 years ago, the next best time is today."

The sooner you enroll...

and begin to work through the modules, the closer you are to client #1, and #2, and #20.

Take a look at where you are today.

Are you earning what you really want to?

Are you fully satisfied with the work you are doing, are you serving the many people who need you?

I don’t want you to look back six months from now and wonder what could have been different if only you had said, "Yes."

A personal note for those of you with children at home, are caregivers, or have other time intensive personal situations….

This course—and the business you will start—is flexible.

You can study from anywhere at any time and the same goes for serving clients. Just like you some of your ideal clients don’t fit into the 9 to 5 routine. And just like me, you may at some point decide to become a digital nomad, traveling the world while still running a business. It’s all possible!

Questions you might have before getting to Yes

Yes, in Phase 4 you’ll learn exactly how to set up a business, get leads, close sales, and retain clients. You will also get to watch Karen coaching clients, like a fly on the wall we so often wish we could be.

Each state has different requirements but in general the coaching industry is not one that requires licensing. There are areas of finance you will not be able to advise people in such as investing in the stock market. But you’ll have all the guidance you need in the course.

You will want to purchase a subscription to the software, MoneyMinderOnline, which is the money management tool we use to counsel clients.

  • Personal Version- $9 per month or $97 per year
  • Business Version- $9 per month or $97 per year

Yes, the modules are dripped out to help you progress through the materials as designed. Once you complete a lesson, the next one will be available. You'll get access to Lesson One as soon as you sign up, usually within minutes.

Yes! I’m happy to back my confidence in the program with my 60-day World Class Try It On and Test It Out money-back guarantee. I want my students to succeed so instead of the same old 30 days to see if this program will do what I say it will, watch the modules, follow along with the assignments, implement the systems, and hit start on your new business.

You aren't limited to one type of client...

Other money coach trainings make you choose to work with individuals or businesses. With WCMCT you’ll be trained to do both.

You have greater potential to build a solid business AND, there are more solo-preneurs than ever before.

Most have never learned the financial side of building a sustainable business plus, some will have bad personal money habits that they will unknowingly bring over into their businesses.

You can pull them out of trouble or get them started on a sound financial footing.

In case you’ve lost track, here’s all you’ll get when you grab your login details

Maybe the most important thing you’ll get is me, Karen, taking you by the hand and walking you through every bit of information you need to understand and put into practice to work with people—and/or businesses—on their money habits.

Not only that but I will do a money relationship reading for all new students. You’ll fill out a detailed questionnaire that I use with my private clients to assess the health of your relationship with money.

I will “read” your strengths and places where you could use a little shoring up in your own money relationship. You'll receive my insights as a video delivered straight to your inbox.

You will also have

  • unlimited, lifetime access to over 25 videos, plus bonus videos, and written lessons to take you from newbie to confidently coaching clients
  • 6 months of live, weekly calls with Karen for Q & A and help with your journey to success

By learning and mastering the skills taught in this course you will be able to: 

  • help people identify, understand, and change the attitudes and beliefs that created their patterns of financial distress—whether it’s brand new or has plagued your client for a lifetime!

You will understand

  • “money mindfulness” and how it can work for them. (And for you)

You’ll be able to

  • teach them how to save their way out of debt without living in a state of deprivation.

No Matter Where You Live, You Can Train to Become a Money Coach
Our training program is designed for distance learning, so no matter where you’re located or what your daily responsibilities may be, you can train for your new business, even as you continue your current work.

By now you already know that

  • this is life changing work
  • it provides you a way to earn good money doing something that satisfies that desire to help others
  • your guide is a pioneer in the business of money coaching whose work has stood the test of time. (30 years and counting!)

What I didn’t say earlier is that this business is recession proof and inflation proof. As long as money is exchanged for goods and services—and I don’t care if it’s bitcoin, dollars, or rupies—there will always be a need for people just like you with the knowlege and skills to help people who don’t have them.

Seeing as you’re still here... let’s wrap it up with a little truth:
75% of the perfect candidates to become successful money coaches will read this page, bookmark it and read it again, and again, waffle about the investment, the time, the million other reasons we hesitate to go in the direction of our dreams—and then forget about it until the enrollment period closes.

Soon after telling themselves, “I’m good, I’ll just keep looking, there are plenty of programs out there."

Can you say “rationalize?”

Here are 3 ways that indecision and inaction will hurt them...

They’ll continue to look around for the “right opportunity,” one that promises quick returns on little investment, wasting time and potential money (while secretly knowing those don’t exist).

They’ll get discouraged when they realize that their current, throw-spaghetti-at-the-wall-and-see-what-sticks marketing plan is producing no money to throw at Facebook ads (in a desperate attempt to make something, anything happen.)

3, 6, or even 12 months from now they’ll be right where they started when they first landed on this page today. Rather than using their gifts and skills to help people who need exactly what they could have learned in WCMCT and be making consistent revenue.

All of this costs money in opportunity and time lost, but what’s the cost to their self-esteem?


This breaks my heart but I know I’m not here to save the world, just make it a little bit better for as many as possible.

One of the ways I can do that is by offering the BEST, most comprehensive, time-tested and proven training to others to continue the work that has already helped thousands of individuals, families, and businesses.

If you don’t have another 3, 6 or 12 months to start or uplevel your business and you’ve heard something on this page that says “Yes, that’s the work I am called to do,” then honor that and get started right now.

Before I go, and this might seem obvious but just in case, with my 60-day World Class Money Back Guarantee the only thing you risk right now is:

  • Putting off the opportunity to start a world class coaching business, one that is recession proof and inflation proof.
  •  Not creating that business that will be with you for as long as you want to do it and go with you wherever you go.
  • Not building a business that allows you to make your own hours and set your own income. You can’t do that with a J.O.B.!

So if you are ready to wake up tomorrow and start...

  • Building the foundation for a successful business helping others build a better future financially
  • Mastering money coaching with heart, not shame based, where life can still be enjoyed while you move your clients through whatever got them to hiring you
  • Working your way through the training with ease, following the path I have paved for you that will take you from newbie to clients with confidence

Join us in Spring for early registration...

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The next enrollment period for World Class Money Coach training will re-open in Spring 2020. Sign up to be notified when enrollment opens.


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