Tax season isn’t just about refunds.

It’s about conversations.

In this episode of The Financial Coaches Podcast, Cody and Maria lay out a simple engagement challenge designed to help you spark conversations, build relationships, and potentially book consultations — all by asking one strategic question on social media.

Inside this episode, you’ll learn:

• The exact post to make during tax season

• Why personal pages outperform business pages

• How to respond to every comment (and why it matters)

• When and how to move the conversation into direct messages

• A simple 4-step framework for turning engagement into consultations

• What to say to people who owe on their taxes instead of receiving a refund

This isn’t about being pushy.

It’s about starting conversations.

And if you’re serious about growing your financial coaching practice, conversations are the gateway.

Take the challenge.
Track your results.
Share them inside The Financial Coaches Community by New Money Habits.

Let’s see what happens.

🎧 Resources & Links Mentioned in This Episode

Ready to grow your coaching practice with the right support and community?

🚨 Join The Financial Coaches Network
Connect with other Financial Coaches inside our private Patreon community:
👉 www.patreon.com/NewMoneyHabitsFinancialCoaches

🔥 Launch or Level Up Your Coaching Practice
Learn more about our signature course, Getting Started as a Financial Coach, from New Money Habits:
👉 www.newmoneyhabits.com/coaches/webinar/gsfc-registration

✅ Join Our Free Facebook Community
Find support, encouragement, collaboration, and real conversations with aspiring and established coaches:
👉 www.facebook.com/groups/nmhcoaches

✅ Get Connected Inside Financial Coaches+
Whether you’re just getting started or already serving clients, you don’t have to do this alone. Join Financial Coaches+ and get your first month FREE:
👉 www.newmoneyhabits.com/coaches/memberships/trial

🙋‍♂️ Have a Question for the Hosts?
Email us at: podcast@newmoneyhabits.com

📞 Want to Talk With Maria or Cody?
Schedule a call here:
👉 www.newmoneyhabits.com/coaches/fcpodcast_contact

🎵 Music by Summer School

Follow us on social:
@newmoneyhabits | @sizemorefinancialcoaching

Tax refund season brings opportunity.

And for financial coaches, it also brings temptation.

When a client receives a large windfall — $3,000, $7,000, even $20,000 — it’s easy to get excited about the progress they could make. Debt payoff. Emergency funds. Investments. Big wins.

But sometimes in that excitement, we forget to pause and ask:

What do they want?

In this episode, Cody and Maria unpack a subtle but important coaching lesson — one that often surfaces during tax season:

• Why coaches can unintentionally overstep when windfalls arrive

• How goal-chasing can override client ownership

• The importance of asking before advising

• Why splitting a refund may increase long-term engagement

• How mature coaches measure success differently

This conversation isn’t really about tax refunds.

It’s about leadership.
It’s about restraint.
It’s about remembering that great coaching helps clients make confident decisions — not just efficient ones.

Because it’s not about what’s mathematically optimal.

It’s about what they’re ready to own.

🎧 Resources & Links Mentioned in This Episode

Ready to grow your coaching practice with the right support and community?

🚨 Join The Financial Coaches Network
Connect with other Financial Coaches inside our private Patreon community:
👉 www.patreon.com/NewMoneyHabitsFinancialCoaches

🔥 Launch or Level Up Your Coaching Practice
Learn more about our signature course, Getting Started as a Financial Coach, from New Money Habits:
👉 www.newmoneyhabits.com/coaches/webinar/gsfc-registration

✅ Join Our Free Facebook Community
Find support, encouragement, collaboration, and real conversations with aspiring and established coaches:
👉 www.facebook.com/groups/nmhcoaches

✅ Get Connected Inside Financial Coaches+
Whether you’re just getting started or already serving clients, you don’t have to do this alone. Join Financial Coaches+ and get your first month FREE:
👉 www.newmoneyhabits.com/coaches/memberships/trial

🙋‍♂️ Have a Question for the Hosts?
Email us at: podcast@newmoneyhabits.com

📞 Want to Talk With Maria or Cody?
Schedule a call here:
👉 www.newmoneyhabits.com/coaches/fcpodcast_contact

🎵 Music by Summer School

Follow us on social:
@newmoneyhabits | @sizemorefinancialcoaching

Are your clients technically improving… but not actually moving forward?

In this episode of The Financial Coaches Podcast, Cody and Maria unpack a subtle but powerful shift in strategy that has helped certain clients break out of stagnation and finally start making meaningful progress.

Traditionally, Cody has taught clients to “backload” their goals — waiting until the end of the month to apply surplus toward debt, savings, or investing. And for many people, that works well.

But for clients who struggle with consistency and spending habits, that structure can unintentionally keep them stuck.

So what’s the alternative?

In this episode, you’ll learn:

• The difference between backloading and frontloading financial goals

• Why some clients plateau even when they stop going backward

• How to identify which clients need a strategic shift

• The psychology behind “which hard would you rather choose?”

• How to balance risk with forward momentum

• When deeper mindset work is required (and not just a tactic tweak)

This conversation is about more than cash flow timing.

It’s about knowing your client, recognizing patterns, and adjusting your coaching approach so progress actually sticks.

Because sometimes the breakthrough isn’t working harder.

It’s structuring the plan differently.

🎧 Resources & Links Mentioned in This Episode

Ready to grow your coaching practice with the right support and community?

🚨 Join The Financial Coaches Network
Connect with other Financial Coaches inside our private Patreon community:
👉 www.patreon.com/NewMoneyHabitsFinancialCoaches

🔥 Launch or Level Up Your Coaching Practice
Learn more about our signature course, Getting Started as a Financial Coach, from New Money Habits:
👉 www.newmoneyhabits.com/coaches/webinar/gsfc-registration

✅ Join Our Free Facebook Community
Find support, encouragement, collaboration, and real conversations with aspiring and established coaches:
👉 www.facebook.com/groups/nmhcoaches

✅ Get Connected Inside Financial Coaches+
Whether you’re just getting started or already serving clients, you don’t have to do this alone. Join Financial Coaches+ and get your first month FREE:
👉 www.newmoneyhabits.com/coaches/memberships/trial

🙋‍♂️ Have a Question for the Hosts?
Email us at: podcast@newmoneyhabits.com

📞 Want to Talk With Maria or Cody?
Schedule a call here:
👉 www.newmoneyhabits.com/coaches/fcpodcast_contact

🎵 Music by Summer School

Follow us on social:
@newmoneyhabits | @sizemorefinancialcoaching