About Me


Welcome!

My name is Michelle Jacobik and I’m a Financial Coach/Mentor.

My goal is to help other families & individuals stop living paycheck to paycheck and to start living the life they dream of!

In 2012, I was approached by a member of our church, who had incubated Dave Ramsey’s Financial Peace University Class, to take over leading this initiative in our fellowship.

I had listened to Dave’s radio show and loved his NO NONSENSE approach to changing lives and in reviewing the FPU materials realized that many of the things Dave Ramsey was teaching in his course I had already done and been through myself.

At that time I was running a very successful business with 10 employees and still raising two children at home- and while I truly felt I had no room on my plate, I thought it was important to continue making sure this info got out into our community so people who were “sick of the hustle and tired of living paycheck to paycheck” could have a plan for turning it around!

You see, I got my first credit card offer in the mail at age 19 right when I was about finished with my associates degree.

Me & My Mom

My parents had actually encouraged me NOT to take that VISA offer but to open a Sears card instead so I could just – “build a little credit”–

But I knew better,  so I sent that application in with a big THANK YOU for acknowledging I’m an adult!!  (sound familiar to anyone?)

Contact Me
Deb Robbins Cwynar Miller

Michelle’s energy alone draws people into her circle – couple her energy with her business knowledge and Ramsey training, and she’s a dynamo! Michelle is a caring and gifted financial coach who will guides her clients, challenges her clients and leads them to approach their goals fearlessly – with gazelle intensity!

I’ve had the pleasure of working alongside Michelle during business brainstorming sessions, being in attendance with her at a Ramsey class and observing her while engaged in activities that she’s passionate about. I feel blessed to have experienced benefit from her professional knowledge and her personal positivity.

Without the slightest hesitation, I highly recommend Michelle to be YOUR financial coach! You’ll wonder why you waited so long…

When I finished my associates degree — I landed my first “real job’ as an admin assistant and within months I had a whole new degree of TEEN CONFIDENCE.

I moved out, got my first apartment, bought a new Eagle Talon and then USED that FIRST ‘credit card” to buy some appliances, a grill, some furniture, some nice work clothes and added that new “minimum monthly payment” to my new ‘monthly expenses’ –

It wasn’t long before I started getting those $1000 Checks in the mail with my name in BOLD that could just be ‘cashed’ and had a low minimum monthly payment as well.

I had just read Dr. Norman Vincent Peale’s: The Power of Positive Thinking and was a huge believer at age 20 that the Universe, if I asked, would give me exactly what I needed and wanted, and those checks arriving REINFORCED THAT!!

I needed them because I NEEDED A VACATION from all the stress I was under,  trying to pay my bills!!

Offers came whenever I needed them and I was able to ‘use their system’ to take one and pay off the other with a lower interest rate RIGHT??   WRONG!!

It wasn’t long before I was feeling a bit PINCHED. (DOES THIS SOUND FAMILIAR TO ANY OF YOU??)

Well, It took me some time to SEE what I was doing. I took on two additional part time jobs doing taxes and selling life insurance on top of my full time admin job and after about 4 years of diligence I was able to dig my way out of  the $15,000 DEBT NIGHTMARE I had started at age 19—

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My Debt Nightmare


BUT I cleaned it all up and swore I’d NEVER go back!

It’s been about 23 years now since that decision and I think that being able to share this experience with others keeps me GROUNDED, FOCUSED, and HELPING OTHERS learn their way out of — OR for you young people, hopefully keeps you away from making the same mistakes I made!!

In 2014, I decided the to step away from my business so I could spend more time with my family. This decision allowed me to see clearly how I could help others in this area. In 2015, I secured my designation coach with ICCA and then pursued my designation as a Certified Divorce Financial Analyst (CDFA), so I could help clients who were in the transition of divorce.

Today, I am able to use my 27 years of experience, both as a coach and as a veteran business owner to teach others how to create financial consistency & financial stability in their lives!

In 2018, I published my first book: Prosperity After Divorce: Take charge of your finances & create the life you really want using Lifestyle Re-Design Planning (TM), and am a contributing writer for Thrive Global and DivorceForce.com.

I look forward to working with you!

Michelle