12 weeks · 1:1 coaching
The Darrul Reset
Twelve weeks of one-on-one coaching that replaces money anxiety with a money system. You bring the mess — Darrul brings the plan, the accountability, and the terrible puns.
Application-only · First fix in week 1 · $2,500 or 3 monthly payments of $900
What’s included
- 12 weekly 45-minute 1:1 calls with your coach
- Secure client portal for worksheets, statements, and your plan
- Homework and async check-ins between sessions
- Custom budget, debt payoff tracker, and savings automations set up with you
- AI-assisted plan drafts — reviewed and delivered by a human coach
- Alumni community and graduation roadmap
Who it’s for
- You earn money but can’t quite explain where it goes.
- You’ve tried budgeting apps and quit them within a month.
- You have debt you understand at a vague, stressful level and want a real payoff plan.
- You want someone in your corner — not a lecture, not a sales pitch.
Not for you if: you want investment picks, credit-repair promises, or someone to negotiate your debts. We’ll happily refer you to licensed pros for those.
The Week 1 Promise
Complete your first session. If the Reset isn’t right for you, cancel within the first two weeks for a prorated refund of sessions not delivered. The risk is on us, not you.
One fee. Everything included.
No upsells, no commissions, no product sales — ever. Your coach doesn’t earn a cent more no matter what you do with your money.
The 12-week curriculum
Every week has one job. By graduation, the system is built, tested, and yours.
The money audit
Bring the mess. Statements, accounts, debts, subscriptions. We map every dollar coming in and going out — the full picture, finally.
The cash-flow system
We build a budget around your real life and your pay cycle — not a fantasy spreadsheet. Then we automate the boring parts.
The debt plan
Snowball or avalanche — you'll learn both and pick what keeps you motivated. You get letter templates and a payoff tracker. You stay in control of every creditor conversation.
The savings engine
Emergency fund, sinking funds, and automatic transfers that quietly stack cash in the background.
Credit, decoded
How scores actually work, how to read your report, and how to dispute errors yourself. Education only — no repair promises, ever.
Goals & the future
Big purchases, moving, retirement accounts, kids, business ideas. You'll understand the math — and know exactly when to bring in a licensed pro.
The protection checkup
Insurance, emergency plans, and the what-ifs. We explain the basics and connect you with licensed agents when it's time to act.
The 90-day roadmap
You graduate with a written plan for the next quarter, a graduation review, and access to the alumni community.
Questions, answered honestly
Is this financial advice?
No. Darrul provides financial coaching and education. We don't recommend investments, sell products, or manage money. When you need licensed advice (investing, loans, insurance), we refer you to vetted licensed professionals.
Do I have to hand over my account passwords?
Never. We'll ask you to upload statements to a secure portal so we can see the full picture — with your written consent — but we never need your logins, and you can redact anything you're not comfortable sharing.
What if I'm behind on bills or in crisis?
Coaching works best when there's some breathing room. If you're in crisis (facing eviction, collections, or worse), tell us on the application — we'll point you to the right resources, free of charge, even if we're not the right fit.
How much does it cost?
The full 12-week program is $2,500, or 3 monthly payments of $900. Enrollment is application-only so we can make sure we're actually the right fit — and we'll tell you honestly if we're not.
Ready to reset?
Apply in about 5 minutes. If we’re a fit, you’ll book a kickoff call this week. If we’re not, we’ll tell you straight — and point you somewhere that can help.
$2,500 or 3 monthly payments of $900 · Application-only
Darrul coaching is educational and accountability-based. It is not investment, tax, legal, or credit-repair advice. Outcome examples, if any, are individual experiences and not typical results. See our disclaimer and coaching agreement.