World Class Money Coach Training


It’s not too late to discover a path that fulfills your purpose.

Do any of these thoughts ring true for you?

"I’m ready to take the leap and start a new business. Where do I start?"

"I love my job, but it doesn’t challenge me — I need more."

"I want to be my own boss and be responsible for how I spend my time."

"When it comes to my paycheck, I deserve more!"


If you thought "Yes!", Money Coach Training is for you!


Teachings that allow you to fully grasp the Financial Recovery™ philosophy and not only improve your clients’ relationships with the money but your own financial future as well.


The guidance and encouragement you need to grow your business and pursue a career that sustains your dreams, goals, and ideal lifestyle. 


Work that “works” for you, providing you with a rich source of satisfaction, success, and self-worth.

It’s not too late to discover a path that fulfills your purpose.

If you’re ready for a change, World Class Money Coach Training is for you.

Work from home, control your schedule, secure your financial future, and inspire others.

You deserve the chance to be the best you can be. Dig deep and discover your full potential.
Take a risk and say “yes” to an opportunity. You never know what might happen next!

World Class Money Coach Training begins in ...









Here's What You'll Learn

World Class Money Coach Training includes four phases to give you everything you need to establish your business and embark on a career path with maximum potential. 

Phase One

The Financial Recovery Philosophy


To start, you’ll gain an understanding of the philosophical basis and psychological underpinnings of being a money coach. You’ll get a glimpse into the impact you can have in this career. We’ll discuss the underlying factors and limiting beliefs that drive subconscious, self-defeating behaviors. Specifically, you’ll learn how to:

  • Examine your clients’ belief systems and attitudes about money 
  • Evaluate their current money behaviors 
  • Guide them as they break through their money fog
  • Teach them to differentiate between their wants and needs
  • Identify the roles that trauma, shame, and deprivation play in our money stories

Path to Success: When you complete Phase One, you’ll have a well-rounded understanding of the Financial Recovery philosophy as well as the various facets of money coaching. Plus, you’ll have a deeper understanding of the challenges that future clients will face. This step is an important starting point because with knowledge comes compassion and empathy

Phase Two

A Holistic Tool for Managing Money


Get excited: It’s time to explore MoneyGrit.®! I created a one-of-a-kind software program that you can use to guide clients along this journey. This powerful coaching tool is designed to help clients get from where they are to where they want to go through a compassionate, non-shaming approach. But before you teach and guide others, you need to learn how to use it yourself. Armed with subscriptions to both MoneyGrit. Personal and MoneyGrit. Business (included in your training), you’ll:  

  • Discover the history of MoneyGrit. and set up your own accounts
  • Create your own spending, savings, and earning plans
  • Learn how to customize and adjust these plans to reflect your life 
  • Understand how to properly use the worksheets provided to enhance the impact of tracking of your income and expenses

Path to Success: MoneyGrit. is the tool we use to help people transform their lives. By the end of Phase Two, you’ll have worked one-on-one with a money coach for 10 hours so that you can personally experience the life-changing power of this process.

Phase Three

Working with Clients


There’s nothing more satisfying than making an impact while earning a living. As a money coach, you’ll have the opportunity to work with people and truly transform their lives. We will train you through every step of the process. You’ll develop the skills and techniques you need to work with individual, non-business owner clients, including how to:

  • Develop compassionate counseling skills
  • Schedule appointments and determine what to focus on during each client session
  • Outline a success path for each client, including their introduction to MoneyGrit.
  • Connect their spending, saving, and debting numbers to their emotional and spiritual relationship with money 

Path to Success: At the end of Phase Three, you’ll know how to work with a client from the prospect call and first appointment intake to subsequent sessions — ultimately moving your client from where they are to where they want to be. In short, you’ll be ready to start seeing clients as early as January 2022!

Phase Four

Launching and Marketing Your Business with MoneyGrit. Business


With a full understanding of money coaching under your belt, it’s time to start your very own business! We’ll help you build a firm foundation for a thriving money coaching business and discuss how you can hit the ground running, specifically using MoneyGrit. Business to track your income and expenses. In this phase, you’ll: 

  • Create a business plan to map out your future success
  • Complete various exercises to help you claim the life you were meant to live
  • Discover how to set up your office and manage your clients, with a focus on the necessary legal considerations
  • Grasp the basics of branding and marketing your business 
  • Learn how to set and raise your rates 

Path to Success: By the end of Phase Four, you’ll be armed with information on how to launch your business and build your client list. That future you’ve always dreamed of — the one defined by work fulfillment and financial security? It’s finally here. 

Here's Who You'll Learn From

At 78 years old, Karen McCall is nowhere near done yet. A published author of eight books, a sought-after speaker, and a money expert featured in Forbes, Entrepreneur, Money, and USA Today, Karen is the founder of the Financial Recovery™ Institute and the World Class Money Coach Training program. She is also the creator of MoneyGrit. ™, a money management software (her second!) that meets the needs of the family CFO as well as the small business owner. 

Karen is a trailblazer in the field of money coaching. In 1988, when she left Corporate America and began her second career, there were only debt consolidators and credit counselors. Recognizing a need in the market for the deep emotional work required to rewrite your money story, Karen quickly became a sought-after money coach. The suits in the room called her signature system of “saving your way out of debt” unorthodox before concluding that she was indeed on to something. 

Thirty-three years later, she has trained hundreds of money coaches with the Financial Recovery philosophy, giving them the foundation for lucrative and thriving businesses as they help others find financial freedom.

With her live training, online courses, and software program, she continues to transform the lives of thousands of people worldwide as she further explores the psychological impact of money.

This year’s participants are in for a real treat: In addition to training from Karen, attendees will learn from multiple money coaches who have worked individually with Karen over the years and have a combined 80+ years of experience, including:

Mikelann Valterra

In 1996, as Mikelann Valterra was finishing graduate school and despairing as to her career path, she was hit by a bolt of lightning when she heard Karen McCall speak. Karen was the pioneer in a field she’d never heard of: money coaching and Financial Recovery Counseling. By the end of her talk, she’d decided two things. First, she needed to be her client. And second, she needed to do what she did.

She fought her way to the front and forcefully shared her revelations with her. That was over twenty years ago, and to this day, Karen remembers Mikelann intently speaking to her that afternoon. (She is on the intense side!)

Mikelann did go on to train with Karen, and she started her own money coaching practice in 1997. Over the past two decades, she has spoken all over the country, written a book (Why Women Earn Less - How to make what you’re really worth), and created many programs and workbooks that help people heal their relationship with money, work, and earning. 

Karen went from being her mentor to being her friend and then business partner. Mikelann has been involved in teaching for Karen McCall’s Financial Recovery Institute money coaching training programs since 2008 and served as a consultant on Karen’s latest money management software, MoneyGrit. 

Her biggest love and passion is helping women take charge of their money, plan for the future, and create a life they love.


Bonus Guest Teachers include SIX money coaches who completed
the World Class Money Coach Training Program!

Worthy of Receiving with Megan deBoer

Megan deBoer is the founder of Tended Wealth, a business that helps individuals heal their emotional and practical relationship to money. As a certified Financial Recovery Counselor, her approach considers the context of our current financial circumstance: our lived experience, our family of origin, and the broad culture that shapes our beliefs about money. She is passionate about transforming this fundamental part of our lives from shame and overwhelm to a sense of agency, clarity, and potential. She specializes in helping women who are self-employed to radically increase their earnings. Her course participants and 1:1 clients regularly attest to the life-changing power of this work.

In this webinar, you will learn how to grow your income by transforming your perspective. Gain financial and emotional wisdom, healing, empowerment, and fulfillment when you accept that you are worthy of good things!

(value $650) Included with your World Class Money Coach Training tuition!

Building Wealth with Sheila Netti

Sheila Netti, MBA is a Wealth Empowerment Coach, Speaker, and Trainer. She has over 30 years of corporate IT, military, government, small business, and coaching experience. After resolving her own money challenges when she was a corporate IT Executive and Management Consultant, she was able to retire at the age of 55 using the same principles she teaches her clients.

Sheila specializes in helping women professionals and business owners build true wealth, claim financial freedom, and create a new and powerful relationship with money.  She is committed to guiding women to gain confidence and clarity on how to create wealth and secure your financial future. She believes that wealth gives you the ability to have an impact on the next generation and the world around you.  

During this webinar, she’ll share her secrets to help you unlock your financial power!

(value $650) Included with your World Class Money Coach Training tuition!

The Intersection Between Money + Food
with Wendy Wright, LMFT

Wendy Wright, LMFT, CEDS, CIEC, Financial Therapist, is a psychotherapist and consultant based in Denver, CO. She offers financial counseling and helps you name the blocks that get in the way of your best financial life. In her early career, she was a mortgage loan officer, business owner, and a successful house flipper. Then later, she became a Licensed Marriage and Family Therapist. It is the blend of the therapeutic and the financial that can help you find more clarity and freedom in your relationship with money, spending, saving, and debting.

Wendy is the founder and CEO of Financial Therapy Solutions, LLC, a financial therapy group practice based in Denver, CO, and also offering telehealth services. She is a featured guest on several podcasts, including It’s Not a Crisis and The podcast and was a featured speaker for the Mental Health and Wealth Summit in 2021. 

In this class, she will apply the philosophy of intuitive eating — a skillset she uses as a Certified Intuitive Eating Counselor when supporting clients with disordered eating habits — to her financial therapy sessions. You will be encouraged to connect to your intuition and listen to it as you make decisions about your finances.

(value $500) Included with your World Class Money Coach Training tuition!

How to Work With Couples on Money Issues with Denise Hughes

Denise Hughes works at the intersection of heart, money, and soul. She knows how to access a client’s emotional landscape in order to create change on his or her financial landscape. Her focus: The art of mixing possibility thinking, visioning, and mature money behaviors to support clients in creating a life by design. Her magic touch: She brings creative, right-brain thinking to the canvas of numbers, sprinkling the process with lightness, un-shaming, huge doses of inspiration, and compassion.

Denise is a guest expert on the psychology of money for the WSJ and Money Magazine. Her academic credentials are a MA in Counseling Psychology and a certification in Financial Counseling. She is also the author of Kneeling at the Altar of What Is: Poems and Writing and Earn Save Spend Give: 4 Things to Do with Your Money and How to Make It All Work.

During this webinar, you will see Denise’s magic touch in action as you learn how to work with couples on money issues!


(value $500) Included with your World Class Money Coach Training tuition!

Learning to Work with Resistance
with Patricia E. Craven, LMFT

Patricia E. Craven, LMFT is a Somatic Experience Practitioner who has been working with clients throughout the San Francisco Bay Area for more than 35 years and as a psychotherapist focusing on financial therapy for more than 25 years. She works with individuals, couples, and families on their relationship to money, helping them to gain clarity with themselves and each other as they move from a sense of deprivation to one of abundance, both financially and emotionally. She has worked with coach/mentor Karen McCall using Money Minder Excel, Money Minder Online, and now MoneyGrit. As a Money Coach, she utilizes her skills as a psychotherapist and the pragmatic components of MoneyGrit. to help clients have thriving relationships with money.

She is the Founder/Director of a non-profit, Heart in Balance Counseling and Training Center, in Oakland, California, since 2004. Her personal work around money and what she has learned from Karen McCall and the Financial Recovery™ Institute have supported the sustainable growth of this agency that provides much-needed mental health services to the community. Her professional goal is to bring her experience and knowledge around financial recovery to both clients and future Money Coaches. 

In this webinar, participants will learn how to work with resistance, understanding when to push and when to pull back from confronting a client. 

(value $750) Included with your World Class Money Coach Training tuition!

Understanding Credit Reports and FICO Scores with Gerri Detweiler

Credit expert Gerri Detweiler has been guiding individuals through the confusing world of credit for over twenty years. She has been interviewed in more than 4,000 news stories and answered over 10,000 credit questions online. Her articles have been widely syndicated, and she is the author or coauthor of five books, including Debt Collection Answers and Finance Your Own Business: Get on the Financing Fast Track. She has hosted her own radio show and testified before Congress on consumer credit legislation. She currently serves as education director for Nav, which provides business owners with simple tools to build strong business credit and match them to financing.

This webinar will draw on Geri’s expertise in credit issues for consumers, focusing on how to understand credit reports and FICO scores. 

(value $600) Included with your World Class Money Coach Training tuition!

Legal Coaching with Heather Pearce Campbell

Heather Pearce Campbell is a warrior mama, nature lover, and dedicated attorney and legal coach for world-changing entrepreneurs. Based in Seattle, she is mom to two little, wild munchkins, and founder of Pearce Law PLLC, home to her legal practice. She is also the creator of The Legal Website Warrior®, an online business that provides brand protection, legal education, and support to information entrepreneurs (experts, coaches, consultants, online educators, speakers, and authors) around the U.S. and the world.

She hoards information, paper, and books while secretly dreaming of becoming a minimalist and relishes an occasional rare night with her hubby when the kiddos are miraculously asleep and she can soak up HGTV without guilt. Heather is also the host of the Guts, Grit & Great Business™ podcast.  She can be found online at

Heather’s specialty includes everything that a new business owner needs to have in place.  She is the Legal Warrior. Her class will cover business structure, business contracts, insurance, intellectual property, and dispute resolution.

(value $1500) Included with your World Class Money Coach Training tuition!

World Class Money Coach Training is right for you if you ...

  • Value empathy and compassion. Are you someone who loves to help people?
  • Focus on the big picture. You’re process-oriented and motivated to build a long-term business.
  • Want to be your own boss!
  • Seek control of your finances and security for your future.
  • Crave flexibility in your workday.

But wait ... there's more!

Here's a sneak peek of what to expect in your course curriculum.

One-on-One Session with Founder Karen McCall


Upon enrolling, complete your personalized questionnaire and schedule a one-hour meeting with Financial Recovery Institute and MoneyGrit. Founder Karen McCall. Discuss your background, needs, and goals to ensure that you get the most out of your training.

“Today my business is thriving! I live the life I want to live, not beholden to a corporation for my livelihood.”

- Lisa Gould, World Class Money Coach

 An Overview: The Financial Recovery Philosophy


Learn the Financial Recovery philosophy from the best of the best. Our instructors are money coaches who have been in your shoes and now are thriving as business owners. With 42 hours of live training (plus captioned video playback and transcripts), you’ll be well on your way to a money coaching career that offers you freedom, control, flexibility, stability, and security.

“A couple of decades have gone by since I trained with Karen. I have been successfully self-employed in private practice as a money coach, and I absolutely love it. I really enjoy working with women — not only helping them not fear the future but also create a life they love. And thanks to a six-figure income, I’ve been able to fund my own dreams too. I’m a single mom with a son happily in college. I own my home, and I really enjoy my personal life. At night, you can usually find me dancing the Argentine tango!”

- Mikelann Valterra

Trauma, Shame, and Deprivation


In order to truly help someone, you have to first understand their roadblocks. This training covers the impact of trauma and shame as well as the three signs of deprivation. You’ll explore the difference between wants and needs and uncover the importance of taking an approach that highlights empathy and compassion.

“I have learned that I absolutely love this work! Because of this training, I get a front row seat in guiding people through a process that is transformative. I get to paint a picture for them of a future that includes some new habits (the practical side of money) and goes deep as we address their feelings, attitudes, and beliefs (the emotional side of money). An added bonus: The work-from-anywhere freedom of money coaching allows me to travel with my husband on his work trips.”

- Kathy Sauder

 Saving Your Way Out of Debt


Many people believe they can’t begin saving money until they are free of debt, but in fact, saving while paying down debt is the key that will release you from the debt cycle forever. This course examines the relationship between debt and savings and teaches you a revolutionary approach to ensure that your clients stay out of debt.

Everything You Need to Know About MoneyGrit.


Are you ready to improve your own relationship with money? Work one-on-one with a money coach as you set up and customize your MoneyGrit. account. This training will teach you how to upload your accounts, organize your periodic calendar, determine your net worth, track your scheduled transactions, and more. With 10 hours of private sessions, you’ll discover first-hand the power of this life-changing money management software.

"Five years ago, I was $50,000 in debt after scrapping a business venture that I started with my sister. I had been in debt before and wasn’t in the habit of tracking my expenses. I bought Karen’s book to give me a jump-start to my new goal. I wanted to be smarter with my money and get in touch with the psychological side of spending and debting. I followed Saving Your Way Out of Debt: I didn’t use my credit cards for four years and tracked my expenses. I found her MoneyGrit. software to be intuitive and easy to use. I got out of debt…and feel empowered about my money!"

- Nicole Henderson 

 Develop Your Spending Plan


We don’t believe in budgeting. We believe in creating a spending plan and then tracking against that plan. This course teaches you how to establish and adjust your goals and behaviors. Life is filled with ups and downs, and a flexible, well-constructed spending plan ensures that you’re ready for whatever comes next.

What It Takes to Be a Great Counselor


The success of your business depends on you. This course offers you everything you need to be a great counselor, including the Trainees Mindset, the benefits of practice sessions, a glidepath to follow with clients, and more. We cover everything from taking care with your phrasing and avoiding shaming to mapping out the focus of each appointment and building a solid rapport with your clients.

Create Your Business Plan


Whether it’s tracking your spending or setting up your business, we believe in the value of a plan. This training guides you as you rely on MoneyGrit. Business to develop a plan specific to your unique business and your goals. When it comes to your future success, a business plan is your best starting point.

Practice Management 101


You’ve attended classes and completed your coursework, so you’re ready to start seeing clients, right? Not so fast! It’s time to learn the nuts and bolts of practice management. From setting up your at-home office to scheduling and leading your sessions and organizing your client records, we’ve got you covered.

Setting (And Raising) Your Fees


So many entrepreneurs struggle with setting and eventually raising their fees. Talking about money is tough, especially when it’s a direct reflection of the value of your knowledge. This training teaches you to recognize your own money roadblocks and earning ceiling and paves the way for an income that accurately represents your work as a money coach.

How to Brand and Market Your Business


In this introduction to marketing, we cover branding basics, like choosing the name, look, and feel of your business, and marketing techniques, including building your email lists and being consistent across your social media platforms.

Here’s The Timing of the Training Program


Registration for the 2021 session, the only training of the year and the only live training of its kind,
is open through Wednesday, September 8th.

The live training program is six months and runs from Wednesday, September 8th through Wednesday, February 23rd. 

Get Started Today!


Are you ready to say "Yes!" to your future? Click below to enroll now! 

This training allows for a career transition and potential six-figure income without the cost and time investment of graduate school.

Enroll Now

What Comes Next?

After you complete Phases One through Four, you’ll have the opportunity to further your education and sign on for Phases Five and Six.

Phase Five

The Deep Dive


Deepen your abilities as a money coach and increase client retention. Not only will you have the satisfaction of seeing clients through their transformation and growth process, but you’ll earn more money. Gain an understanding of how to work with specialty clients, including business owners and couples.  


Phase Six



Once you’ve completed Phases One through Five, you’ll have the opportunity to gain accreditation and become an accredited World Class Money Coach. 


Stay tuned for more details about Phases Five and Six!

Fit World Class Money Coach Training Into Your Schedule


World Class Money Coach Training is entirely online, allowing you to participate from anywhere. Join the live webinars each Wednesday and revisit the sessions at your convenience, thanks to close-captioned video playback and transcripts. Pick the day and time that works best for you during your MoneyGrit. private training sessions. Access over 20 hours of pre-recorded videos with fully searchable transcriptions at any time throughout the year.

What Sets World Class Money Coach Training Apart?

Live Training

Thanks to our live training sessions, this program will evolve based on your needs and goals. It’s the only training offered in 2021 and the only live program of its kind.

Learn From The Best

Train with experienced money coaches who practice and truly live the skills they’re teaching. Their guidance is based on personal understanding and practical application.

Start-to-Finish Support

We not only give you the foundation to start your own business; we walk you through how to build, launch, and market that business. No other training program takes this hands-on and complete approach!

Proven Results

In the last three decades, Karen has trained hundreds of money coaches in her Financial Recovery philosophy. Their lucrative and thriving businesses are proof that her approach works.

To Sum It Up: Here’s Everything Included in Your Tuition


The 6-month training program, featuring Founder Karen McCall, Master Money Coach Mikelann Valterra, and additional money coaches with a combined 80+ years of experience (35 hours of live training and support)                                                     

    • 24 hours of live webinars with recordings and transcriptions available
    • 1-hour call with Karen McCall
    • 10 hours of one-on-one training with a money coach                                                        

Interactive workbook with forms and handouts to utilize during and after the training 

Private community group 

Annual subscription to MoneyGrit. Personal 

Annual subscription to MoneyGrit. Business 

One year of free access to the Online Digital Reference Center containing 20+ training videos, tools, content, and resources, with an option to renew annually 

Special bonus materials  ($5,150 value!)

World Class Money Coach Training Certificate of Completion Badge (to be utilized on your website, email signature, etc.) 

MoneyGrit. Certified Trainer Badge (to be utilized on your website, email signature, etc.) 

A copy of Financial Recovery: Developing a Healthy Relationship with Money by Karen McCall  

The option to take your education a step further with six months of additional training focused on more specific topics like overcoming trauma and working with couples and small business owners!

You’re Protected With Our 100% Peace-of-Mind Guarantee


After you complete Phase One , if you don’t feel like World Class Money Coach Training is the right fit for you, show us the work you've done, and we’ll issue you a full refund. Why do we ask for your completed coursework? It’s simple: If you do the work, the value of this program is clear. The refund deadline is October 13, 2021. Please note this is a firm deadline and also applies to payment plans which means you will be responsible for all payments after the refund deadline has passed.  See here for return policy details.

Best Deal!


one time payment

  • Six-month training program
  • 80+ years of experience
  • 35 hours of live training
  • Annual subscription to MoneyGrit. Personal + Business
  • Private community group
  • And so much more!
Enroll Now

Payment Plan


three monthly payments

  • Six-month training program
  • 80+ years of experience
  • 35 hours of live training
  • Annual subscription to MoneyGrit. Personal + Business
  • Private community group
  • And so much more!
Enroll Now

Payment Plan


six monthly payments

  • Six-month training program
  • 80+ years of experience
  • 35 hours of live training
  • Annual subscription to MoneyGrit. Personal + Business
  • Private community group
  • And so much more!
Enroll Now

Get Started Today!

World Class Money Coach Training Value $15,147

World Class Money Coach Training Investment Only $9,997


This training allows for a career transition and potential six-figure income without the cost and time investment of graduate school.