Many in the financial world regard Dave Ramsey as a guiding light for those seeking a path out of debt and towards true financial freedom. His principles have transformed the lives of millions. Among the champions of these principles is Nicole Kobziewicz of Owego, NY. So, what are these principles, and why is Nicole a Ramsey-approved financial coach? Let’s explore.
The 7 Baby Steps of Dave Ramsey
- $1,000 Emergency Fund: Before anything else, save a mini emergency fund.
- Pay Off All Debt Using the Debt Snowball: List and tackle debts from smallest to largest.
- 3-6 Months of Expenses in Savings: Build a robust emergency fund.
- Invest 15% of Income into Retirement: Prioritize your future with consistent investments.
- College Funding for Children: Set aside funds for your children’s education.
- Pay Off Your Home Early: Aim to live without the weight of a mortgage.
- Build Wealth and Give: Reach a position where you can generously give to others.
Nicole Kobziewicz: Embodying Ramsey’s Vision
- Shared Philosophy: Nicole passionately believes in the transformative power of the Baby Steps.
- Proven Methods: Adopting and teaching Ramsey’s methods, Nicole has guided countless Owego residents towards financial peace.
- Dedication to Education: Much like Ramsey, Nicole prioritizes educating her clients, empowering them to make informed financial decisions.
- Commitment to Integrity: Upholding the high standards set by Ramsey, Nicole offers honest, straightforward advice without hidden agendas.
Testaments from Owego, NY and Beyond
Nicole is very knowledgeable and helpful with the budging process. She is a very good teacher and ministers to all areas of my life, for that I am very thankful. Nicole does not judge me, she is very encouraging and uplifting. Thank you Nicole
I cannot say enough positive things! We felt like we were in a state that we couldn’t recover from. Nicole was stern but sensitive to the subject. Just enough of a swift kick to make some MAJOR changes and spark the motivation to do things better for ourselves and our family. I am going on month 3 with Nicole and I don’t foresee it ending anytime soon. Thank you Nicole from the bottom of our heart 💜
I booked a complimentary consultation with Nicole about an issue that I had concerns with and wasn’t sure which path to follow so I knew I needed some advice. Nicole called promptly at appointment time and we discussed a couple of things together and she helped me tremendously. She was a big help to me, and everything we discussed that she suggested made perfect sense. As with many others, I wish I would have made the call sooner. If you are thinking about making a call about advice in a direction that you are having a hard time with, call Nicole, you won’t regret it.
Being new to the Debt Free game, my wife and I decided to make a change and commit to the Ramsey method. In doing so, we were introduced to Nicole. A little skeptic of the process and not sure what to expect we booked a free consultation to discuss our situation and see if we were going to move forward. Well, we took a leap of faith and moved forward with Nicole on a monthly basis. What a game changer she is. Explaining the process one step at a time and really listening to our situation, we’ve grown to value her expertise and the knowledge she brings to the table. It’s not easy, but it’s so nice to having her along side of us. Coaching, educating, and truly concerned about “OUR” financial freedom. We WILL be debt free and Nicole is a huge part of all the success we’ve had so far. We highly recommend scheduling a free consultation. You owe it to yourself. Brian and Kim
Good morning i just wanted to say thank you for giving me your book I've read it 3 times now. i am in a point in my life were i am now financially happy i have paid off all cc debt and i have brought my score up from 620 to a whooping 750 within a year my next goal is to pay my car off, i purchased it in march 2022. im halfway there now my goal is by December to have it paid in full. i appreciate your accountability and i see you and hear you on Facebook i am so proud of myself for not relying on cc usage. i am not in her group i just simply followed her on Facebook I kept her book with me to reference myself and to keep me in check with my own progress
Nicole has easily gone above and beyond helping me out with various times emailing her and speaking with her and that's even after just a free consultation. She has provided insight and direction multiple times for me to try to work on different topics regarding my finances. I easily recommend reaching out to her for at the very least of free consultation in letting her assist you in funny the Best service that fits you!
Nicole is a joy to work with. She is professional and pleasant. Every aspect of my resources, goals, and needs has been taken into account creating a personalized plan. I 100% recommend working with her, you won’t regret it. You will only regret not doing it sooner.
This was my first time talking to a financial coach. I was really nervous and didn't felt prepare, but Nicole was so friendly, warm and open throughout our conversations. She guided me through the steps I needed to take in this season and reminded me to stay consistent and discipline. Nicole was incredibly knowledgeable, helpful, and made me feel more certain regarding my financial goals. I had a great experience, would recommend Nicole anyone!
I cannot recommend Nicole enough. Her guidance is invaluable. She makes her clients feel like anything is possible by setting up measurable goals and providing motivating support. I feel confident and pumped after every session.
While there are numerous financial coaches out there, being a Ramsey-approved coach sets one apart. Nicole Kobziewicz, with her unwavering dedication to Dave Ramsey’s principles and her commitment to her clients in Owego, NY, exemplifies what it means to be a financial guide in the truest sense.