Financial Coach

ABOUT SEED HOUSE PROJECT

Our Mission

We are on a mission to provide system-impacted youth with a pathway from survival to self-actualization.

Our Vision

We envision a world where housing is more than just a roof over your head, but a classroom for life for all young people.

Our members are navigating real financial challenges, often for the first time and without family support. The Financial Coach plays a vital role in helping them build the money skills, habits, and emotional relationship with finances they need to thrive — both inside SHP and long after they leave.

POSITION OVERVIEW

Compensation: $60.00/per hour

The Financial Coach is a part-time contractor who provides individualized financial coaching, group workshops, and team collaboration to support member financial wellness across all stages of the SHP Life School program. This role blends practical money management skills with a deep understanding of the psychology of money — helping members not only know what to do financially, but understand why they feel and respond the way they do around money.

This is a relational, trauma-informed role. The right candidate brings warmth, lived experience, and the ability to meet young people where they are while holding them to high standards of growth.

CORE RESPONSIBILITIES

1.  Individual Financial Coaching Sessions

Provide one-on-one financial coaching sessions with assigned members. Sessions should be consistent, goal-oriented, and tailored to each member’s program stage and personal circumstances.

Custom Budget Development

• Build a personalized monthly budget for each member based on their current income, program membership fees, and living expenses
• Ensure the budget reflects the member’s real life — not a generic template — and accounts for their specific goals, stage of program, and savings milestones
• Revisit and update the budget regularly as income, expenses, or goals change
• Develop a transition budget for life after SHP — projecting housing costs, utilities, food, transportation, and other independent living expenses
• Align budget planning with the Path to Stability savings match program and program advancement requirements

Budget Accountability & Follow-Through

• Hold members accountable to their budget goals through regular check-ins and progress reviews
• Review spending and savings activity with each member — celebrating wins and troubleshooting gaps without judgment
• Help members develop self-accountability habits and the ability to self-correct when they fall off track
• Document budget adherence and flag consistent barriers that may require additional team support

Custom Credit-Building Plan

• Assess each member’s current credit situation — including credit score, credit history, open accounts, and any derogatory marks
• Create an individualized credit-building plan with clear, actionable steps and measurable goals
• Guide members through tools like secured credit cards, credit-builder loans, becoming an authorized user, and on-time payment strategies
• Help members review their credit reports, understand what’s on them, and dispute any inaccuracies
• Set short- and long-term credit score targets tied to housing and financial independence goals

Credit-Building Accountability

• Monitor each member’s progress toward credit goals through regular check-ins
• Review credit score changes, new account activity, and payment history on a consistent basis
• Adjust the credit-building plan as needed based on member circumstances or progress
• Educate members on how their daily financial behaviors connect directly to their credit health

Investment & Long-Term Savings Planning ( Advance Goals)

• Develop a personalized savings and investment plan for each member that extends beyond program exit
• Introduce foundational investment concepts: compound interest, index funds, retirement accounts (Roth IRA, employer 401k), and long-term wealth building
• Help members understand the difference between saving (short-term security) and investing (long-term growth)
• Set tiered savings goals: emergency fund first, then longer-term investment vehicles as income and stability increase
• Connect investment planning to each member’s life vision and Purpose Map — making it feel relevant, not abstract
• Introduce age-appropriate platforms and tools members can use independently (e.g., Acorns, Fidelity, CUNA, etc.)

Tax Filing Education & Support

• Educate members on the basics of filing taxes: what forms they need, how income is reported, and what deductions or credits may apply to them
• Guide members through the tax filing process — including use of free filing tools (IRS Free File, VITA sites, Cash App Taxes, etc.)
• Help members understand their refunds and how to use t…