Since 1999, we have worked with people from every financial background, from those struggling to make ends meet and those earning high incomes but still feeling financially stuck. Money stress is not about how much you make; it is about how well you manage it. Too many people were never taught how to budget, create a realistic plan for their goals, or make their money work for them, and as a result they live with constant worry about their finances.
Our coaching changes that. We give you the tools, strategies, and ongoing support to take control of your money, eliminate confusion, and build lasting stability. Whether you are recovering from bankruptcy, trying to stop the paycheck-to-paycheck cycle, or wanting to maximize a strong income, we meet you where you are and guide you to where you want to be.
Alongside our personalized coaching, we offer financial consultations, budget construction, credit consultations, post-bankruptcy credit rebuilding, and retirement readiness planning. With more than two decades of experience and a proven track record of transforming lives, we help you replace financial stress with clarity, confidence, and freedom.
WILLCOT FINANCIAL SOLUTIONS
We Provide Real Solutions.
Jacqueline Willcot
Why I Do What I Do
The truth is, most of us were never taught the basics of managing money. We did not grow up learning how to budget, save, invest, or prepare for emergencies. And it shows. Studies reveal that nearly 65 to 70 percent of Americans live paycheck to paycheck, and those who file for bankruptcy are not living lavishly. Most are middle-income earners, with median annual household incomes between $35,000 and $70,000, and about 60 percent earning under $50,000, which is well below the national median. Even with steady jobs, many are just one unexpected bill away from a financial crisis.
Living this way feels like carrying invisible chains. Debt becomes a constant weight, stealing our peace of mind and making it difficult to truly enjoy life. Meanwhile, advertisements and marketing campaigns work overtime to convince us to spend what little we have, using flattery and emotional triggers to get us to hand over our money. We are led to believe someone else will save us, when the truth is, the power to change our future has been in our own hands all along.
I know this feeling because I lived it. Years ago, my life changed in an instant when I was in a serious accident with an 18-wheeler whose driver had fallen asleep at the wheel. Suddenly, I could not work, and my husband had to take on two jobs just to keep us afloat. We had three small children under the age of five and the financial strain was crushing.
We visited food pantries. We lived in government housing. And every day felt like survival. Looking back, I know that if I had understood the importance of having an emergency fund, resisting unnecessary purchases like the 50 pairs of shoes I never wore, or keeping my expenses below my income, things could have been different. We could have had breathing room. We could have avoided some of the pain.
But no one had ever taught me those things. So I had to teach myself. I researched, asked questions, read books, and gathered every piece of financial knowledge I could find. Slowly, step-by-step, my family climbed out of that hole. And as I looked around, I saw so many of my neighbors and relatives going through the same struggles.
So I started helping them for free, just for the joy of seeing the relief and hope on their faces when they realized they could have financial freedom too. That feeling became my passion. And that passion became Willcot Financial Solutions.
Today, I get to walk alongside others who are ready to break free from the paycheck-to-paycheck cycle, escape the traps of debt, and finally build a future they can enjoy. I believe that no matter where you are now, you have the ability to change your story just like I changed mine.
