Your Financial Wellness Home

Expert guides, tools, and resources developed by certified financial therapists

What is Financial Wellness?

When a person strives for financial wellness, it means they work towards good financial habits — saving, budgeting, and spending in healthy ways — as well as positive mental and emotional relationships with money.

Our mission for our clients goes beyond addressing debt. We work to:

Empower you to build positive financial habits
Help you uncover harmful thought patterns impacting your finances
Guide you in shifting these patterns to achieve lasting positive results

Resources we offer: Personalized Financial Wellness Sessions, Budgeting Tools and Mental Health & Money Resources

Our graduating clients rate their financial habits at an average of 5.7/10 before seeking our help, and at 8.1/10 after working with Beyond Finance.

Beyond Finance helped me press pause on the financial chaos, and gave me the space to rebuild. It wasn’t just about debt relief. It was about creating a whole new approach to life and money.

— Matt S., Beyond Finance Graduate

INTRODUCING

The Financial Wellness RESET™ Framework

A proprietary clinically-informed framework developed by Dr. Erika Rasure, PhD, CFT™ to make saving, budgeting, and paying down debt actually stick.

Five dimensions. One framework. One assessment. One self-paced curriculum.

Explore Financial Wellness RESET™

Explore Content

Saving & Money Goals

Understanding
Credit & Debt

Managing Financial Stress & Anxiety

Your Relationship
With Money

Money & Relationships

Money & Life Events

Financial Wellness Tools

Client & Graduate Exclusives

The Experts Behind this Financial Wellness Page

Dr. Erika Rasure

Dr. Erika Rasure, PhD, CFT™

Creator of the Financial Wellness RESET™ Framework
Chief Financial Wellness Advisor

Certified Financial Therapist™ and doctoral researcher. Dr. Rasure has spent over two decades at the intersection of financial planning and mental health, and leads Beyond Finance's weekly financial wellness sessions for enrolled clients. Her work has been featured on NBC's Today Show, Forbes, CNBC, and CNN.

Full Bio
Nathan Astle

Nathan Astle, CFT™

Certified Financial Therapist
Contributing Expert

Founder of the Financial Therapy Clinical Institute and author of Psychology Today's "The Psychology of Debt" column. Nathan specializes in financial trauma, couples and money, and the emotional dimensions of debt recovery. His work has been featured in The New York Times, The Wall Street Journal, and Yahoo Finance.

Full Bio

Most Recent Articles

Debt Payoff Calculator: See Your Timeline and Total Cost

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By Stella Martin
Enter your balance, interest rate, and what you pay each month to see your payoff timeline, total interest, and payoff date. Fill in both a set payment and a minimum-payment method and it’ll show you the two side by side — including how many years and how much interest the difference is worth. For multiple cards, it compares avalanche against snowball and shows the order each card clears.
Read More Debt Payoff Calculator: See Your Timeline and Total Cost

Emergency Fund Calculator

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By Stella Martin
Enter your essential monthly expenses and answer five questions about your situation, and this calculator works out your emergency fund target — rather than handing you a three-to-six-month range and leaving you to guess which end you belong at. It’ll also tell you how long it’ll take to get there, and where to start.
Read More Emergency Fund Calculator

Credit Utilization Calculator

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By Stella Martin
Enter the balance and limit for each of your cards to see your utilization ratio — on every card individually and across all of them together. The calculator also tells you exactly what you’d need to pay down to reach a lower ratio, and flags any card sitting close to its limit, since FICO scores your cards separately as well as your total.
Read More Credit Utilization Calculator

What Is Credit Utilization, and Why Does It Matter So Much?

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By Stella Martin
Credit utilization is the share of your available credit you’re using, and it’s the fastest-moving factor in your credit score. Two things most advice gets wrong: FICO scores each card separately as well as your total, and the “under 30%” rule isn’t actually a threshold. Lower is simply better — though zero isn’t ideal either.
Read More What Is Credit Utilization, and Why Does It Matter So Much?

How Much Should You Have in an Emergency Fund?

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By Stella Martin
If you’ve looked up how much to keep in an emergency fund, you got the answer everyone gets: three to six months of expenses. That’s a wide enough range to be almost useless — for someone spending $3,000 a month, it’s the difference between a $9,000 goal and an $18,000 one. Here’s how to find your own number, and why your first goal shouldn’t be that number at all.
Read More How Much Should You Have in an Emergency Fund?
The content, assessments, and curricula provided on this platform are intended solely for general informational and educational purposes. Any assessments, quizzes, scoring tools, and structured curricula are designed as self-reflection tools only and do not constitute a clinical evaluation, diagnosis, or personalized financial plan. Nothing contained herein should be construed as financial, investment, tax, or legal advice, or as a substitute for the personalized guidance of a licensed financial professional.