It's Time to Steward and Grow Your Finances and Become the Steward God Calls You To Be
Steward & Grow
Manage Your Money with Confidence, and Grow Your Mindset and Bank Account So You Can Stop Money Stress and Become the Steward God Calls You To Be.
To the Christian Who Longs to Hear "Well Done, Good and Faithful Servant" With Their Finances:
I know you want to be a good steward with your money so you can be wildly generous for the Kingdom of God.
Are you ready to become the Steward God is calling you to be, so you manage your money confidently with ease, live without money stress, and can give with wild generosity and enjoy money without guilt?
In order to do that, you need to learn to manage God’s money His way.
You work diligently, tithe faithfully, and you're grateful for God's provision.
But when the missionary shares on Sunday and asks for financial support, your heart says YES, your bank account says "not yet."
When God prompts you to help that family in need, you hesitate—not because you don't care, but because your money feels messy.
You know the Parable of the Talents teaches stewardship, but nobody showed you the practical HOW to manage and multiply what God has given you, while BECOMING the person who IS a good Steward.
How That's Showing Up In Your Bank Account and Stewardship:
You make good money, but wonder where it all goes by the end of the month
You try to save and pay off debt, but there’s too much noise on the best way to do that
You memorized "store up treasures in heaven" but not how to manage treasures on earth
You were told "trust God" without learning our role in stewardship, so you ended up trusting in your bank accounts instead of the Provider for provision
You want to learn to work together with your spouse as a team so you “become one” with your finances, but different money tendencies leave you wondering if that’s even possible
You want to retire with dignity, but wrestle with “how much is too much” wealth, so the money is spent elsewhere
So you're caught wanting to do more for the Kingdom, confidently managing your money with ease, enjoying it without guilt, but not knowing how.
You’ve tried budgeting before, and it didn’t stick. Money classes taught you the basics, but you’re repeating the same money patterns that feel stressful. Youtube videos and books give you tips, but they’re not being implemented to ignite the change in your bank account that you crave.
Meanwhile, the work God wants to fund through His people goes underfunded because few Christians learned to multiply.
God calls us to be FAITHFUL stewards, not just grateful recipients.
I Believe It’s Not Okay That No One Taught You How to Steward and Grow What God Has Given You To Manage.
Which is why I created:
The Steward and Grow Method
To guide you to manage money intentionally, and change how you think and feel about it so you can ignite new habits, mindsets, and behaviors that last, and you can pass on to the next generation
Step 1: We Create structure and organization for your money through a budget and a money roadmap, so you can tell your money where to go instead of wondering where it went.
Step 2: We Ignite the vision of what you want your future and finances to look like, and make bite sized goals to build discipline and stay motivated so you get there.
Step 3: We Transform how you think and feel about money, so you have a relationship with it that honors God and develop new, lasting mindsets, habits, and behaviors to pass to the next generation. This is the identity change that allows you to BECOME the Steward God is calling you to be, so the transformation lasts a lifetime.
This triple approach—practical tools AND heart transformation—is what every other system misses
Imagine Your Transformation in 6 months from now:
BEFORE: Sunday gut-punch when you can't give what your heart wants
AFTER: Whipping out the checkbook with pure joy when God prompts-not after three days of spreadsheet gymnastics
BEFORE: 11pm money fights ending with someone on the couch
AFTER: Dreaming together about who to bless next, and working together as a team with your finances, because you have a shared vision of your future
BEFORE: Guilt about wanting nice things as a Christian
AFTER: Confidence that your heart is right with God about money, and you have a healthy relationship with your finances that honors Him
BEFORE: "Where did our money go?"
AFTER: Every dollar has a Kingdom assignment, and money stress no longer is a companion in the back of your mind.
BEFORE: You want to teach your kids about money so they don't make the same choices you did growing up, but you’re not sure how to teach them differently
AFTER: Watch your teenager pay cash for their first car and avoid student loans, instead of learning the debt cycle you learned
Two Ways to Work Together:
1:1 COACHING (6 Months)
Private, customized transformation meeting twice monthly. Perfect if you want deep, personalized guidance for your specific situation and money relationship
GROUP ACCELERATOR (12 Weeks)
Power-packed cohort meeting weekly. Perfect if you thrive with peer accountability and love the energy of group transformation.
Both use the complete Steward and Grow Method to help you stop money stress and grow your bank account while building a healthy relationship with money that honors God.
We should work together if:
You've tried budgeting before but it didn't stick
You and your spouse want the same things but aren't sure how to get there together
You're ready to break the cycle and do what it takes to change
You want accountability to keep you on track
You're open to being challenged on how you think and feel about money
But I am not the coach for you if:
You're looking for someone to fix it for you
You think staying where you are feels safe
You're married but won't work with your spouse on finances
You don't want to be challenged to grow
Your New Sunday Mornings Await..
Imagine when the missionary shares about unreached people groups. The Holy Spirit prompts you to give.
You and your spouse look at each other, and give a slight nod and smile. You write the check with joy, knowing your household is cared for AND you're participating in God's work, and your heart is full because you and your spouse are on the same page.
Your children watch you demonstrate that money is a tool for God's purposes, not an idol to worship or fear.
This is Biblical Stewardship Not prosperity gospel, but faithful management of God’s assets. Not hoarding in fear, but stewarding with faith.
You become God's distribution channel—a pipeline of provision for His purposes.
I Know This Works Because I Learned the Hard Way
I'll never forget the bank teller's face when I brought in change to cash out for groceries. She laughed.
My husband and I had already racked up thousands in overdraft fees. Our different "money languages" felt so insurmountable that we actually divorced. Money wasn't the only issue, but it was the match that lit the fire.
But God...
...restored our marriage and revealed something profound: Stewardship isn't about getting rich—it's about being FAITHFUL with whatever He entrusts, whether little or much.
Today we're debt-free, building wealth, and when God prompts us to write that missionary check, we don't check the bank first. We know it's there and God provides for our household.
Why You Can Trust Golden Rose Financial Coaching
Trusted by Christian families, couples, and professionals who want biblical clarity, practical structure, and lasting transformation with their finances.
Christian Financial Coach
Tracy is a financial coach dedicated to helping Christians experience peace, clarity, and biblical stewardship. She blends practical training with faith-centered guidance to create real, lasting change.
Founded in 2020
Helping Christian individuals and couples manage money with confidence, communicate better, and build financial peace rooted in Scripture.
From Broken to Restored
Tracy and her husband walked through financial chaos, communication breakdown, and even divorce—then watched God redeem it all. She coaches from real-world experience, not theory.
Ramsey Solutions Master Financial Coach
Listed on the Ramsey Preferred Coach directory, showing her commitment to trustworthy, values-based financial guidance.
Proven Client Results
Clients report feeling clearer, more confident, more united in marriage, and more generous within weeks—because stewardship begins working immediately when guided well, and collectively paying off over $1.6 Million of debt
Biblically Grounded, Spirit-Led
Everything Tracy teaches is aligned with Scripture, God’s heart for stewardship, and Christian identity. No guilt, no shame—only truth, grace, and wisdom.
You deserve a coach who understands both your faith and your finances—and knows how to guide you with compassion, empathy, and confidence.
Stay Encouraged & Equipped
Follow Golden Rose Financial Coaching for weekly biblical wisdom, money tips, encouragement, and practical tools to help you steward God’s resources with confidence.
Every week, Tracy shares faith-based financial insights, practical budgeting tips, marriage communication tools, and inspiring stories of transformation. Join the community and stay connected on the platforms you use most.
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Stories of Transformation
Don't Just Take My Word For It...
Real Christians. Real breakthroughs. Real stewardship transformation.
From feeling stressed, ashamed, or overwhelmed to feeling clear, confident, and generous—these stories show what happens when believers learn to steward God’s money with wisdom, structure, and heart change.
“N.D.”
I need to share with you: You are such a gift time, in ways I probably won’t ever be able to express this side of heaven. The light I see in you is a steadfast strength, gentle spirit, and being able to “see” people the way God does, in the middle of their brokenness, providing soothing and calming energy and re-focusing on what truly matters. You spoke like into me and truth where I had been believing lies. You accept and honor my feelings and you allow me to be fully myself. Thank you for being you.
“N.D.”
Wanted to let you know that we made a deal for the suburban yesterday and wrote a CHECK to pay for a Honda Pilot to replace it! No more car payments!!!!
“T. and K.”
“J.B.”
You know how reluctant I was to do this in the beginning. That’s all your hard work getting me integrated and gazelle intense! You’ve been the biggest part of keeping us accountable and consistent through this journey, so I think from the both of us, there’s no THANK YOU big enough to show our appreciation for you walking this with us.
“J.B.”
Thank you Tracy for your enthusiasm towards my life & helping me reach my financial goals! Thank you for celebrating with my as I made my FINAL CAR PAYMENT! (Yay! ^_^) And thank you for your patience as I work through what is best for me. I am very happy that you enjoy working with me. I am finally getting to a place where I think I can make some progress. LET’S GO00 2023!
“T. and K.”
Ready to Create Financial Stability? Start Here.
Download the simple, biblical budgeting tool that helps Christians take the first step toward clarity and confidence.
If money feels anxious or overwhelming, the Budget Blueprint Template will help you finally get organized and create a monthly plan you can actually stick to. No more guessing, stressing, or hoping things work out. Just a clear roadmap that honors God and brings peace to your finances.
With the Budget Blueprint Template, you’ll:
Know exactly where your money is going each month
Stop impulse spending and unexpected “surprises”
Build savings and pay off debt without feeling restricted
Create space for wild generosity
Start stewarding God’s resources with confidence
STILL NOT SURE?
Frequently Asked Questions
Can you guarantee results?
Your transformation depends on your commitment. Just like therapy, discipleship, or spiritual growth, what you put into coaching is what you get out of it.
If you’re willing to show up, be honest, try new things, and take action — you are already set up for success. I will walk with you every step of the way.
Why is the program six months long?
It takes about three months for a budget and money routine to feel natural — and another three months for new habits, mindsets, and systems to become steady and long-lasting.
I want your transformation to continue long after coaching ends, and six months gives you the time, support, and structure to truly change your financial story.
How do I pay you?
You have two options:
Monthly investment over our six months together
Pay-In-Full, which includes an additional month of coaching as a thank-you bonus
Whatever option you choose, we’ll make sure your budget feels safe and supported.
Do I need to be good with numbers to do this?
Not at all. You don’t need to love spreadsheets or math to steward money well. I teach you simple, biblical, practical systems that anyone can follow — even if numbers overwhelm you right now.
What if my spouse isn’t on the same page yet?
This is extremely common. Many couples start coaching with only one spouse participating at first. As you grow in confidence and peace, most spouses naturally become more willing to join.
You can still make incredible progress on your own, and we’ll bring your spouse in when the time is right.
Is this biblically based?
Yes. Every part of the Steward & Grow Method is rooted in Scripture — not prosperity gospel, not guilt-based teaching.
We focus on faithful stewardship, wisdom, generosity, purpose, and honoring God with what He has entrusted to you.
I’ve tried budgeting before and failed. How is this different?
Budgeting apps and systems alone don’t create change because they don’t address your mindset, identity, emotions, beliefs, and habits around money.
This program combines practical tools and transformation — which is why it works when everything else hasn’t.
Will I have to stop enjoying life or feel restricted?
Absolutely not. Stewardship is not deprivation. It’s alignment.
This process actually helps you enjoy God’s blessings without guilt, spend intentionally, and create margin for generosity and rest.
Do you work with singles as well as couples?
Yes! Whether you're married, single, or engaged, financial stewardship applies to every season of life.
Many single Christian men and women love coaching because it helps them build confidence and stability for the future.
What if I feel ashamed of my money situation?
You’re not alone — and you’re not judged here.
Jesus redeems every part of our story, including our finances.
Shame keeps us stuck. Stewardship sets us free.
I’ve walked through overdraft fees, debt, chaos, and even a broken marriage — so I coach with compassion, not condemnation.
Is this financial advising or investing?
No. I’m not a financial advisor and I don’t manage investments.
I help you create the structure, habits, mindset, communication, and biblical stewardship foundation that makes those things easier, safer, and more effective.
How do I know if coaching is right for me?
If you desire to honor God with your finances, want clarity and confidence, feel tired of money stress, and are ready for a biblical approach that finally makes sense — you are in the right place.
We’ll talk through everything in your Money Strategy Session so you feel completely at peace with your decision.
