Most financial coaches hand you a budget spreadsheet and call it a day. At ThriveWithMoney, I do something fundamentally different — we start where the real problem lives: your relationship with money.
Founded by Sumi Chakraborty — a Ramsey Certified Financial Coach with a background in Psychology and Math Education — ThriveWithMoney serves women who are earning a real income but still can't figure out where it goes. Women who've tried budgeting apps, debt calculators, and financial podcasts — and still feel stuck.
The signature program, The Clean Slate, is a 12-week 1:1 coaching experience built on a proven 5-phase framework: Clarity, Lifestyle Alignment, Elimination, Automation, and Next-Level Security. I don't just teach you how to budget — I help you understand why you spend the way you do, interrupt the emotional patterns driving financial stress, and build systems that actually hold.
The result: clients who finish the program with a working budget, a debt payoff plan in motion, automated savings, and — most importantly — a completely different relationship with money.

My path to financial coaching wasn't linear — but in retrospect, it was inevitable.
After years in ed-tech helping teachers build additional income streams, I watched financial guidance genuinely transform families. As a former Kumon franchise owner and mother of two daughters navigating their own financial journeys, I saw firsthand what today's generation is up against.
The turning point came when I combined my psychology background with my financial training and asked a question most coaches don't: What if the numbers aren't the problem? What if spending behavior is rooted in something deeper — childhood money messages, emotional triggers, unexamined beliefs?
That question became The Clean Slate. And ThriveWithMoney was born.