Personal Finance Coaching Program

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Personal Finance Coaching Program

Inspired by a conversation on:

Mile High FI Podcast

Mile High FI Podcast

From $240K in Debt to Early Retirement at Age 48 - Josh (Part 1) | MHFI 287

Host: Doug Cunnington

Timestamp: 1:05:26 - 1:06:26

Listen to Episode • View Podcast • All Ideas from Mile High FI Podcast

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Feather Flow

Direct Quote

"We just want to be able to continue to tell our story and also help each other and potentially help other people."

Market Gap

Individuals struggle to manage personal finances and lack accountability.

Many individuals find themselves overwhelmed by their financial situations, whether they are dealing with debt, budgeting, or planning for the future. Personal finance can be a daunting topic, and without proper guidance or accountability, it can be easy to fall back into unproductive habits. Josh's journey from debt to financial freedom illustrates the transformative power of effective financial coaching. However, there are few accessible programs that provide personalized financial strategies tailored to individual circumstances, making it difficult for those in need to find the support they require.

Summary

This idea revolves around establishing a Personal Finance Coaching Program that offers personalized coaching sessions for individuals looking to improve their financial literacy and management skills. The program would include one-on-one coaching, workshops, and webinars focusing on budgeting, debt reduction, investment strategies, and retirement planning. By leveraging Josh's experiences and insights, the program aims to provide an empathetic approach to financial coaching, ensuring that clients receive tailored advice that resonates with their unique situations. The target audience includes anyone looking to take control of their finances and seeking guidance to achieve financial independence.

Categorization

Business Model
Service
Target Founder
Subject Matter Expert
Difficulty
Medium
Time to Revenue
1-3 months
Initial Investment
< $100

Potential MRR (18-24 months)

Conservative
$3,000 - $6,000 MRR
Moderate (Most Likely)
$15,000 - $30,000 MRR
Optimistic
$50,000 - $80,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
9/10
Novelty
6/10
Feasibility
9/10
Market Potential
8/10
Evidence
7/10
Overall
7.8/10
Found on September 30, 2025 • Analyzed on September 30, 2025 3:50 PM

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How should I validate this service idea before building it?

2:34 PM

Great question! For a service idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Subject Matter Expert to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

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2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

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Based on your idea's complexity and 1-3 months, here's my recommendation:

Technical Strategy:

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  • Consider your technical background and available < $100
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2:37 PM

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