Your Money Questions
Answered Plainly
You are working hard, but it still feels like your paycheck disappears faster than it should. You want to get ahead, destroy debt, and finally feel confident about your future—but you have questions before you dive in. This page is dedicated to helping you know about financial coaching, the Money Multiplication Method, working with Kelly, and more.
At Eleven 14 Financials, we work with clients locally in Northeastern Pennsylvania and virtually across the United States to build custom cash-flow systems that protect your lifestyle while hitting your biggest goals.
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Still have questions? The first call is always free and there’s zero pressure.
About Financial Coaching
Financial coaching is a personalized, one-on-one process that helps you understand your money behaviors, build better financial habits, and create a concrete plan to manage, keep, and grow your money.
Unlike financial advising, which focuses on investments and products, financial coaching focuses on behavior, mindset, and the systems behind your financial decisions. A financial coach helps you build a budget that actually works, eliminate debt strategically, save consistently, and develop the habits that make long-term financial stability possible.
No. Many clients at Eleven 14 Financials are successful professionals who make strong incomes but feel like their financial life is chaotic, directionless, or simply not where it should be given what they earn.
Financial coaching helps you build systems that maximize what you already have. No matter whether your goal is to eliminate debt, build a savings foundation, prepare for retirement, or simply stop feeling anxious about money. You do not need to be broke to benefit from a plan.
For people who are ready to change how they manage money, yes, the return is significant. The value of coaching is not just information. It is the accountability, the personalized plan, and the behavior change that follows.
Clients at Eleven 14 Financials have paid off cars, built emergency funds for the first time, saved $20,000, stopped fighting with their partners about money, and reached retirement readiness they did not believe was possible. The results show up when the commitment is real.
Shame and embarrassment about money are among the most common feelings clients bring to their first session. They are also the most important ones to leave behind.
Financial coaching at Eleven 14 Financials is explicitly judgment-free. Kelly’s approach is rooted in the understanding that most people were simply never taught how money actually works. The patterns causing financial stress are almost never a reflection of your character or intelligence. They are learned behaviors, inherited beliefs, and missing systems. The coaching process replaces those patterns with clarity, structure, and a plan. Every client starts exactly where they are.
Sessions are practical and action-oriented. You and Kelly review your current financial position, work through your budget together, address challenges that came up since your last session, and refine your plan. You may build or adjust your zero-based budget, work through your debt payoff plan, set savings milestones, or address money mindset patterns creating friction.
Every session ends with clear next steps so you always know exactly what to do before you meet again.
Getting started is easy! The first step is a free, no-obligation strategy call with Kelly. During this call, Kelly will listen to your financial situation and goals, answer your questions about the coaching process, and explain what working together looks like. No pressure. No commitment required.
Click here to schedule your free call or contact Kelly via:
Email: eleven14financials@outlook.com
Phone: (570) 815-5126
Many financial struggles stem from deeply ingrained behaviors or past financial trauma. Through our Money Multiplication Method, we look closely at the underlying emotional triggers and lifestyle decisions driving spending patterns. By shifting your money mindset from reactivity to intentional management, we replace money anxiety with clarity and confidence.
A financial advisor manages investments and recommends financial products — stocks, funds, retirement accounts, insurance. A financial coach focuses on your day-to-day money behavior: budgeting, debt elimination, savings habits, and the money patterns that quietly shape every financial decision you make.
They are complementary, not competing. Many clients work with both: a coach to build strong financial foundations, and an advisor to grow wealth once those foundations are solid.
Common Money Struggles
Income growth without a system simply creates larger versions of the same problem. Lifestyle inflation, spending habits formed before income increased, no zero-based budget, and unconscious money beliefs inherited from family or society all contribute.
Making more money does not automatically create better money management. Without a concrete plan that aligns income with intentional goals, it is easy to live paycheck to paycheck regardless of how much you earn. Financial coaching addresses this by building the system and habits that make wealth accumulation possible at any income level.
Stopping the paycheck-to-paycheck cycle when you make good money requires three things: clarity about where your money is actually going, a zero-based budget that assigns every dollar a job, and a written plan that prioritizes savings and debt payoff.
Without a system, increased income flows into increased spending. Financial coaching identifies the specific gaps, lifestyle inflation habits, and money behavior patterns keeping high earners stuck and replaces them with a plan that works.
Yes! Financial conflict is one of the leading sources of relationship stress, and it almost always stems from a lack of shared clarity, shared goals, and a shared plan.
Financial coaching helps couples align on financial priorities, build a budget both partners understand and agree to, and communicate about money with less tension and more teamwork. Several couples who have worked with Kelly have specifically noted that coaching changed how they talk about money. Moving from arguments to collaboration.
Lifestyle inflation is the pattern of increasing spending proportionally to increases in income. When a raise leads to a nicer car, more dining out, upgraded subscriptions, and higher-end purchases instead of increased savings, wealth stays flat even as income climbs.
It is one of the primary reasons high earners feel financially stuck despite good salaries. Financial coaching builds awareness of these patterns and creates a system that intentionally directs income increases toward financial goals first.
Yes. Many clients come to Eleven 14 Financials realizing that despite years of working, they are not on track for the retirement they expected.
Financial coaching identifies exactly where retirement savings stand, what gap needs to be closed, and how to restructure your current budget to accelerate retirement contributions without gutting your present lifestyle. The Money Multiplication Method includes specific sessions on long-term wealth building and legacy planning for clients at every career stage.
Money Mindset & Coaching
Yes! Financial conflict is one of the leading sources of relationship stress, and it almost always stems from a lack of shared clarity, shared goals, and a shared plan.
Financial coaching helps couples align on financial priorities, build a budget both partners understand and agree to, and communicate about money with less tension and more teamwork. Several couples who have worked with Kelly have specifically noted that coaching changed how they talk about money. Moving from arguments to collaboration.
Money mindset refers to the beliefs, attitudes, and emotional patterns you hold about money, most of which were formed in childhood by watching family, absorbing cultural messages, and experiencing early financial events.
These beliefs drive financial behavior in ways that feel automatic and often unconscious. Beliefs like “money is always a struggle,” “we don’t talk about money,” or “saving means going without” quietly shape every financial decision you make. Addressing your money mindset is a core part of the Money Multiplication Method because behavior change without belief change rarely sticks.
It is completely normal for a household to consist of one natural “free spirit” and one natural “nerd.” Couples coaching strips the conflict out of the equation by shifting the conversation away from dynamic restrictions and focusing instead on shared core values. Kelly acts as a neutral third party to help you design a unified vision where both partners feel heard, respected, and autonomous.
Fights happen when conversations only occur during financial emergencies. We teach couples how to conduct low-stress, recurring “money dates.” By reviewing your financial system during a calm, scheduled window and using an established framework focused on goals rather than blame, you transform money talk from an emotional battleground into an empowering team huddle.
Many financial struggles stem from deeply ingrained behaviors or past financial trauma. Through our Money Multiplication Method, we look closely at the underlying emotional triggers and lifestyle decisions driving spending patterns. By shifting your money mindset from reactivity to intentional management, we replace money anxiety with clarity and confidence.
Our Method
Sessions are practical and action-oriented. You and Kelly review your current financial position, work through your budget together, address challenges that came up since your last session, and refine your plan. You may build or adjust your zero-based budget, work through your debt payoff plan, set savings milestones, or address money mindset patterns creating friction.
Every session ends with clear next steps so you always know exactly what to do before you meet again.
The Money Multiplication Method is a proprietary 12-session financial coaching program. It is built for professionals who earn well but struggle to build wealth.
The program moves through financial vision mapping, money mindset and behavior, zero-based budgeting, debt elimination strategy, emergency savings, tax optimization, career transition planning, healthcare cost protection, wealth-building habits, and a personalized legacy acceleration roadmap. Each session builds on the previous one, creating a complete financial transformation not a temporary fix.
The core program runs 12 sessions. Session frequency is personalized to each client’s schedule and goals, but most clients complete the program over three to six months.
Many clients notice a significant reduction in financial anxiety within the first two to three sessions simply from having clarity and a concrete plan. Concrete financial results such as debt payoff milestones, savings targets, and consistent budgeting typically appear within 60 to 90 days of implementation.
Working With Kelly
Sessions are practical and action-oriented. You and Kelly review your current financial position, work through your budget together, address challenges that came up since your last session, and refine your plan. You may build or adjust your zero-based budget, work through your debt payoff plan, set savings milestones, or address money mindset patterns creating friction.
Every session ends with clear next steps so you always know exactly what to do before you meet again.
Kelly Flowers is a Ramsey Preferred Financial Coach and the founder of Eleven 14 Financials, based in Clarks Green, Pennsylvania. Before coaching, Kelly worked as a nurse and witnessed firsthand how financial stress affects every area of a person’s life.
She created the Money Multiplication Method and works with professionals in northeastern Pennsylvania and virtually across the United States. Her specialty is the gap between high income and low savings – the professionals who earn real money and have nothing to show for it yet.
Ramsey Preferred Coach is a certification granted by Ramsey Solutions to financial coaches who complete the organization’s training program in the Ramsey financial coaching methodology. Coaches who earn this designation are trained in the Ramsey principles of financial health; eliminating debt, building savings, and creating a plan that gives every dollar a purpose.
Kelly Flowers holds the Ramsey Preferred Coach designation and coaches clients using these proven financial principles as part of her broader Money Multiplication Method.
Eleven 14 Financials is based in Clarks Summit, Pennsylvania, serving clients throughout northeastern Pennsylvania (NEPA) including Scranton, Wilkes-Barre, and surrounding communities.
Virtual coaching sessions are available for clients anywhere in the United States. Distance is not a barrier to getting started!
Getting started is easy! The first step is a free, no-obligation strategy call with Kelly. During this call, Kelly will listen to your financial situation and goals, answer your questions about the coaching process, and explain what working together looks like. No pressure. No commitment required.
Click here to schedule your free call or contact Kelly via:
Email: eleven14financials@outlook.com
Phone: (570) 815-5126
Yes. Kelly Flowers is available for financial literacy workshops, corporate speaking engagements, and group presentations. Topics include money mindset, zero-based budgeting, debt elimination strategies, and building a personalized money plan.
No matter if you’re a business, organization, HR department, professional association, or church, Kelly is ready and willing to provide financial wellness education to your team. Contact Kelly today!
Many firms in our area focus on managing large retirement portfolios or selling insurance. We do things differently. We focus on you—your habits, your debt, and your monthly cash flow. You don’t need a million dollars to start working with us; you just need a desire to take control of the dollars you have right now.
While Kelly operates primarily through a high-touch virtual model (allowing us to serve clients from the Abingtons to the Poconos and beyond), we are deeply rooted in the Clarks Summit community. You get the convenience of digital meetings with the trust of a local partner.
Key Concepts
Yes! Financial conflict is one of the leading sources of relationship stress, and it almost always stems from a lack of shared clarity, shared goals, and a shared plan.
Financial coaching helps couples align on financial priorities, build a budget both partners understand and agree to, and communicate about money with less tension and more teamwork. Several couples who have worked with Kelly have specifically noted that coaching changed how they talk about money. Moving from arguments to collaboration.
Money mindset refers to the beliefs, attitudes, and emotional patterns you hold about money, most of which were formed in childhood by watching family, absorbing cultural messages, and experiencing early financial events.
These beliefs drive financial behavior in ways that feel automatic and often unconscious. Beliefs like “money is always a struggle,” “we don’t talk about money,” or “saving means going without” quietly shape every financial decision you make. Addressing your money mindset is a core part of the Money Multiplication Method because behavior change without belief change rarely sticks.
It is completely normal for a household to consist of one natural “free spirit” and one natural “nerd.” Couples coaching strips the conflict out of the equation by shifting the conversation away from dynamic restrictions and focusing instead on shared core values. Kelly acts as a neutral third party to help you design a unified vision where both partners feel heard, respected, and autonomous.
Fights happen when conversations only occur during financial emergencies. We teach couples how to conduct low-stress, recurring “money dates.” By reviewing your financial system during a calm, scheduled window and using an established framework focused on goals rather than blame, you transform money talk from an emotional battleground into an empowering team huddle.
Many financial struggles stem from deeply ingrained behaviors or past financial trauma. Through our Money Multiplication Method, we look closely at the underlying emotional triggers and lifestyle decisions driving spending patterns. By shifting your money mindset from reactivity to intentional management, we replace money anxiety with clarity and confidence.
Why Eleven 14 Financials Is Different
Tailored To You
No cookie-cutter templates. We work together to craft a plan that meets your lifestyle, eliminates debt, and propels you toward your goals.
No Products To Sell
Unlike traditional financial advisors, we don’t sell investments, mutual funds, or insurance policies. Our only incentive is your financial success.
Zero Judgment
Your past money habits do not define your potential. The shame and anxiety are for in the past; let’s start building your financial legacy.