The Financial Gym is like a gym membership—for your money. You pay a monthly fee and get matched with a dedicated Financial Trainer (your “BFF” — Best Financial Friend) who works with you one-on-one to set goals, make a plan, and actually stick to it. It’s personal finance, made personal.

We get the confusion—our name throws people off. But no treadmills here, just Financial Trainers.

The Financial Gym is a 100% virtual service.

While we did have physical locations in major cities for over six years, we transitioned fully online in 2021. It was a tough decision—those spaces meant a lot to us—but most people today want convenient, efficient support they can access from anywhere.

We had already been coaching clients virtually for years, so going fully online allowed us to help way more people, with the same personal, one-on-one experience—just over Zoom instead of a couch in our NYC office.

We have two types of memberships: Solo and Couples Memberships.

We always require a 3-month minimum — $125/month for Solo, $175/month for Couples.

Need ongoing help? Pricing gets better with longer commitments!

Singles:

• 3-Month: $125/month

• 6-Month: $115/month

• 12-Month: $100/month

Couples:

• 3-Month: $175/month

• 6-Month: $165/month

• 12-Month: $150/month

You save $300 per year with the 12-Month option!

A budget is a tool—coaching helps you actually use it.

Our Trainers look at your full financial picture, help you create a plan that fits your real life, and hold you accountable to following through.

They get into the weeds of your spending habits and talk with you to figure out what you value and what you’re willing to hold out on while you work towards your money goals.

Most importantly, they help you uncover and shift the mindset blocks that keep you stuck.

And besides — everyone can become a personal finance expert if they want to. The information is out there! But not everyone wants to, nor has the time to learn the information and then figure out how to apply it to your life.

Our one-on-one coaching three-month commitment requirement because you won’t get the real experience with just one session.

Your first meeting is all about gathering the full picture—your income, expenses, goals, habits, and mindset.

We don’t believe in cookie-cutter advice, so your Trainer won’t give you a generic plan. They’ll build one for you—and that takes time, care, and context.

Definitely!

Our Trainers can provide an outside perspective and help you work on your goals together as a team, regardless of how you currently split your finances.

Some clients say a Financial Gym couples membership is a better investment than couples therapy!

Pricing for couples is different than for individuals, but it’s less than paying for two individual memberships.

If you’re already in a solid financial spot, that’s exactly when coaching can help you level up.

Our Trainers don’t just help you fix problems—they help you optimize.

That might look like investing more strategically, planning for early retirement, growing a business, or just making sure your money is aligned with the life you actually want.

Even top athletes have coaches. You don’t need to be struggling to benefit from support—you just need to be ready to grow.

No! If you have debt, your Trainer will create a plan that allows you to pay off your debt while still working towards saving and your other goals.

Totally get it—it can feel counterintuitive to spend money on coaching when money’s already tight.

But that’s exactly why we offer a 100% Money Back Guarantee. There’s no risk in giving it a shot.

And one of the first things your Trainer will do is build the cost of coaching into your plan.

You don’t have to figure it out alone—we’ll help you make it work, so you can focus on changing your financial situation, not stressing about one more bill.

You can meet with your Trainer monthly for a quick check-in and every three months for a more comprehensive progress review.

Click here to read through the calls and perks included in every membership.

Yes, The Financial Gym only works with clients who are located in the U.S. and have U.S.-based accounts.

If you spend time outside the US but still keep all your accounts in the US, book a call with our team to see if we can help.

We match you based on personality and your financial goals.

Some Trainers specialize in budgeting and habit-building, while others have more experience with business owners or people ready to level up their investing.

That’s why the warm-up call is so important—it helps us understand where you're at so we can pair you with the right fit.

When we hire, we look for compassion, empathy, and a genuine love for helping people—those are non-negotiables. Of course, every Trainer is also passionate about personal finance and skilled in creating real, customized plans.

Our goal?

To match you with your new B.F.F. (Best. Financial. Friend.)—someone you trust, vibe with, and feel supported by as you work toward goals you care about, in a timeline that might just surprise you.

Your Trainer can help with all of these areas:

• Money mindset

• Goal setting

• Identifying critical financial and life goals and creating road maps to achieve them

• Budgeting

• Helping new entrepreneurs/freelancers get organized

• Building emergency funds

• Saving

• Home purchasing planning

• Large expenses/purchase planning

  • Think cars, remodeling, building a business

• Recommending stage-appropriate saving and investing options*

• Paying off debt

• Debt management

• Managing student loan debt

• Navigating credit card issues

• Credit education

• Improving and managing credit scores

• Salary negotiation

• Travel hacking

• Investment education*

• Retirement education

• Retirement planning analysis and 401k guidance*

*Investment management and advising services are for an extra fee

You can reach out to your trainer by email anytime. They do their best to reply within 24 hours during their workweek.

Yes! While rare, Trainer mismatches do happen, and you can always change Trainers by reaching out to —support@fingyms.com

Trainers go through our Certified Financial Training program which is a proprietary curriculum based on our founder’s 7 years as a financial planner and former financial advisor at Merrill Lynch.

The program covers many of the topics most financial advisors and CFPs receive, like how to plan for life goals, investing and investing products, types of insurance, etc. with less emphasis on investing and more emphasis on topics not covered by the CFP coursework like budgeting, expense management, credit management, student loan debt, salary negotiation, behavioral finance and more.

Our Financial Trainers go through our Certified Financial Training program which is a proprietary curriculum based on our founder’s 7 years as a financial planner and former financial advisor at Merrill Lynch.

The program covers many of the topics most financial advisors and CFPs receive, like how to plan for life goals, investing and investing products, types of insurance, etc. with less emphasis on investing and more emphasis on topics not covered by the CFP coursework like budgeting, expense management, credit management, student loan debt, salary negotiation, behavioral finance and more.

For investment advising and managing services, you will work with one of our Financial Advisors.

No matter which plan you choose — 3, 6, or 12 months — we’ll reach out a month before it ends to see if you want to continue at the same monthly rate.

• For the 3-month plan, you’ll stay at $125/month until you cancel.

• Think you’ll want more time? Choose the 6 or 12 month plans to lock in a lower monthly rate ($115 or $100).

• Want to upgrade later? You can switch to a longer plan after your initial one ends — just note that you’ll need to commit again to get the discounted rate.

There’s two major problems with the financial services industry:

1. When we started 11 years ago, there were almost no options for people to get high-quality financial help. Most have a high net worth minimum, meaning they only want to help the rich get richer.

2. Low cost financial services are often very low quality. Especially with the way AI is about to shake up the industry, it’s hard to know who you can trust for advice — or if you’re even talking to a human.

At The Financial Gym, we work with people of all financial backgrounds to improve their financial wellness and achieve their goals. We’re here for everyone, especially those who’ve been left behind by traditional financial services.

You’ll get support from a dedicated human Financial Trainer who gets to know you—your goals, your habits, your money mindset. They go beyond the numbers to help you stay consistent and make real progress.

We charge a flat monthly fee, so you’re not paying thousands upfront for a one-size-fits-all plan.

And the best part?

Our clients stick around.

Many stay with us for years, and 30–40% come through referrals and word of mouth—which says more than any marketing ever could.

Investment management is all about helping you grow your money to meet your goals, whether it’s saving for retirement, a home, or just building wealth. An Investment Advisor assesses your needs and risk comfort level, then builds a diversified portfolio of assets like stocks, bonds, or real estate, to name a few. They actively monitor and adjust your investments to keep them on track, balancing potential returns with risks. 

You can cancel your subscription at any time after meeting your designated minimum commitment (either 3, 6, or 12 months).

You must cancel 30 days before your next due date to avoid a final month’s charge. 

Click here to cancel your membership.

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Refund requests will only be considered through our six-month money-back guarantee.

Our Money-Back Guarantee is simple: if your net worth does not increase by more than what you pay to us for your first 6 months of coaching, we will give you your money back!

To be eligible, you need to have attended the 4 coaching sessions during the guarantee period and do at least half of the tasks your trainer assigns you.

This is about us both having skin in the game: you do your part and we’ll do ours, and we’re confident you’ll see a positive result, which is why we back it up with the guarantee. Click here to read the full terms and conditions.

Totally get it—and no, you’re not signing up for a life of saying no to everything.

This isn’t about shame or restriction. It’s about intention. Your Trainer isn’t here to cut all the fun out of your life—they’re here to help you get clear on what actually matters to you and make a plan that supports it.

We’ve helped thousands of people who were anxious, overwhelmed, or ashamed about money. And every single one of them got through it with support, not suffering. You’ll work hard, sure—but you’ll also laugh, cry, and celebrate the wins. We’ll be with you every step of the way.

Click here to fill out the cancellation form.

Please note we have a 30-day cancellation policy. The 30 days begins on the day you submit the cancellation form.

One of our Team members will reach out to confirm your cancellation. If we don’t hear from you within 7 days, we’ll automatically cancel your membership.