You need different emergency funds.

Sure, you can have one big emergency fund that covers whatever may come. But here's the things about emergencies: you never know when they are going to happen. So why not put money aside for various possibilities? You'll feel more secure and better prepared.

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    Litsa DeJulio

    Money Mindset & Certifed YNAB Coach | Creator of the R.I.C.H. Life Framework

    Who am I?

    I’ve worked as a therapist, educator, and mental health professional for over 20 years. I’m a mindset expert. I know the power of the mind and how our mindsets affect behavior.

    I’m a certified YNAB (You Need a Budget) Coach and personal financial nerd. I have a bachelor degree in psychology and a master degree in social work. I am a certified financial social worker as well as a trained as a yoga teacher.

    How I help

    I pull from my personal and professional experience to help you make the shift from shame and guilt to a more fulfilling life.o