Your money has a story.
Let's understand it before we rewrite it.
The way we think, feel, and behave around money is shaped by more than what we know.
Restorative Financial Therapy combines financial therapy, coaching, and education to help you understand what's happening with your money, explore the patterns behind it, and create practical changes that work in your real life.
Financial Therapy • Coaching • Education
100% virtual practice • Appointments via Zoom
From Financial Frustration to Financial Confidence
Knowing what to do with money and actually living it can be two very different things.
Maybe you've made budgets before, but they never seem to last. Maybe you earn enough that you feel like you should be doing better, but you're still wondering where the money went.
Credit cards may have become the bridge between paychecks, financial decisions may feel overwhelming, or money may have become a source of stress or conflict.
Or perhaps you've read the articles, downloaded the apps, tried the systems, and you're starting to wonder whether you're simply “bad with money.”
You're not coming here for another lecture about what you should be doing.
Together, we can work toward a spending plan that fits your life, greater confidence in your financial decisions, healthier money habits, and meaningful progress toward the goals that matter to you.
A Different Way to Work on Money
Financial change doesn't always fit neatly into one box. Sometimes you need practical financial guidance. Sometimes you need accountability and support. And sometimes you need space to understand the emotions, experiences, beliefs, and behaviors connected to money.
That's why my work brings together three approaches:
Financial Therapy
Explore the thoughts, emotions, experiences, relationships, and patterns that influence your financial life.
Financial Coaching
Turn what you're learning into practical steps, with support and accountability as you make changes.
Financial Education
Build the knowledge and skills you need to make informed financial decisions with greater confidence.
The How and the Why
When Knowing What to Do Isn't Enough
You've taken the classes, read the books, or tried the budgeting apps. You know what you're supposed to do with money. So why does making lasting changes still feel so difficult?
Financial education often focuses on what to do and how to do it. Those things matter. But when knowing what to do hasn't changed what keeps happening, there may be something more to explore.
Financial therapy gives us room to look at the why—the experiences, emotions, beliefs, relationships, and patterns that can influence financial behavior.
Financial coaching helps turn that understanding into practical steps, new habits, and meaningful progress toward your goals.
Understanding the why can help change the how.
Meet Megan
Financial experience. A human approach.
I'm Megan J. Sather, AFC®, FFC®, a financial therapist, coach, and educator. I hold a Graduate Certificate in Financial Therapy from Kansas State University, along with professional credentials in financial counseling and coaching.
For more than 20 years, I've helped people work through real-life financial challenges, from everyday spending and debt to major transitions and periods of financial crisis. I've worked with more than 7,000 clients, including extensive work with military members, veterans, and their families.
Over those years, one thing became increasingly clear to me:
Giving someone more financial information doesn't necessarily change financial behavior.
My work today combines financial knowledge with financial therapy and coaching to help people work on both sides of money, the numbers and the person making the decisions.
You don't have to figure everything out before we talk.
A complimentary 30-minute consultation is a chance for us to talk about what's happening, what you've already tried, and what you'd like to change.
I'll tell you more about how I work, answer your questions, and we'll talk about whether financial therapy and coaching feel like the right next step for you.
There's no expectation that you arrive with everything organized or know exactly what you need.