Become the faithful money steward God is calling you to be.
Steward & Grow
Manage your money with confidence, grow your mindset and your bank account, and become the faithful steward God is calling you to be.
I know you want to hear, “Well done, my good and faithful servant,” when it comes to how you handled your finances.
To the Christian who desires to honor God with their resources and relationship with money:
Are you ready to become the steward God is calling you to be—so you manage your money confidently with ease, live without money stress, give with wild generosity, and enjoy money without guilt?
In order to do that, you need to learn to manage God’s money His way.
You work diligently. You tithe faithfully. You’re grateful for God’s provision.
But you know you're not stewarding as well as you could be, and you long to hear, “Well done, my good and faithful servant,” when you give an account to Jesus for how you managed the blessings He’s given you, including finances.
When the missions opportunity arises at church, your heart says “yes,” but your bank account says “not yet.”
When God prompts you to help that family in need, you hesitate because you're not sure how much to give—because your money feels messy.
You know the Parable of the Talents teaches multiplication, but nobody showed you the practical how to manage and multiply what God has given you… while becoming the person who is a good steward.
Here’s What’s Missing
God calls us to be faithful stewards, not just grateful recipients.
But somewhere along the way, the church forgot to teach the practical alongside the spiritual when it comes to money.
You heard “be content,” but missed how to be faithful with much.
You memorized “store up treasures in heaven,” but not how to manage treasures on earth.
You were told to “trust God,” but no one taught you our role in stewardship—so you ended up trusting in your bank account instead of the Provider.
You make good money, but wonder where it all goes by the end of the month.
You want to work together with your spouse as a team and “become one” in your finances…
but your different money tendencies leave you wondering if that’s even possible.You want to retire with dignity, but wrestle with “How much is too much?” so you stay stuck in a cycle where money keeps leaving your bank account instead of growing.
And so you find yourself caught between:
wanting to do more for the Kingdom,
wanting to manage your money with confidence and ease,
wanting to enjoy God’s blessings without guilt…
…but not knowing how to make it all work.
Meanwhile, the work God wants to fund through His people goes underfunded, simply because few Christians were ever taught how to manage and multiply what God has entrusted to them.
I Believe It’s Not Okay That No One Taught You How to Steward and Grow What God Has Given You To Manage.
God entrusts resources to His people for a purpose.
He calls us to be faithful managers. Wise stewards. Generous givers.
But nobody taught you the practical + spiritual system for biblical money management.
And that breaks my heart.
I know this because I learned these principles through painful experience—
- A marriage that ended in divorce over financial chaos.
- Overdraft fees that could have funded a mission trip.
- The humiliation of counting change at the bank just to buy groceries…
- and the teller laughing when I handed her $26 in coins.
But God restored our marriage and revealed something profound:
Stewardship isn’t about getting rich—
it’s about being faithful with whatever He entrusts to us, whether little or much.
My husband and I learned to work together on our finances so we both felt seen and heard, even with different money views on how to budget, pay off debt, and build savings.
And by the grace of God…
we’re debt-free,
money in the bank,
building for our future,
and giving generously (while still buying the fancy cheese from the grocery store!)..
Now I guide Christians to manage money with biblical wisdom—
- NOT through guilt or greed,
- but through faithful stewardship that honors God and serves others
(while enjoying His blessings, too!).
You’ve Tried Everything Except What Scripture Actually Teaches About Having a Healthy Relationship With MoneyYou simply haven’t been taught faithful stewardship God’s way — yet.
You’ve tried so many things to “fix” your finances, hoping that this time something would finally work.
✓ Financial Peace University — a good start, but missing the heart and identity transformation
✓ Budgeting apps — tools without biblical wisdom or renewing the thoughts and feelings behind your money
✓ YouTube advice — helpful at times, but filled with worldly wisdom and conflicting methods
✓ Well-meaning relatives — who may love you, but are living off credit cards themselves
And still, nothing created the lasting change you’re longing for.
Because no one ever told you the truth:
Biblical stewardship requires BOTH practical tools AND heart + identity transformation.
Until you align your identity with being God’s faithful manager—called to protect and multiply what He provides—no system will create lasting change.
Apps can’t do that.
Classes can’t do that.
YouTube can’t do that.
Even budgeting itself can’t do that.
Only transformation can.
And transformation begins with learning to steward God’s resources His way.
That’s Why I Created
The Steward & Grow Method
To guide you to manage money intentionally, and to help you change how you think and feel about money so you can create new habits, mindsets, and behaviors that last — and that you can pass on to the next generation.
Because biblical stewardship is not just about your money.
It’s about your heart, your purpose, and your identity as God’s faithful manager.
Practical Tools + Biblical Wisdom + Heart Transformation
This is the core of Steward & Grow.
Step 1
Create Structure
We create structure and organization for your money through a budget and a money roadmap, so you can tell your money where to go instead of wondering where it went.
Step 2
Ignite Vision
We ignite the vision of what you want your future and finances to look like, and break it into bite-sized goals that build discipline and motivation so you get there.
Step 3
Transform Identity
We transform how you think and feel about money, so you have a relationship with it that honors God — and you develop new, lasting mindsets, habits, and behaviors to pass to the next generation.
This is the identity shift that allows you to become the steward God is calling you to be.
Miss any piece, and you’re building on sand instead of rock
Steward and Grow uses this dual method of practical money management and mindset, behavior, and identity transformation that other financial classes or YouTube videos don’t address.
Picture What Happens in 6 Months
The Sunday gut-punch when you can’t give what your heart wants
→ becomes writing that fat check with pure joy.
The 11pm money fight that ends with someone on the couch
→ becomes dreaming together about who to bless next, and high-fiving after successful money conversations.
The shame of wanting nice things as a Christian
→ becomes confidence that your heart is right with God about money.
The anxiety of unexpected expenses (like the $700 car repair)
→ becomes, “Good thing we planned for this.”
The confusion of “Where did our money go?”
→ becomes every dollar having a Kingdom assignment.
Steward and Grow uses a dual method of practical money management and mindset, behavior, and identity transformation that other financial classes or YouTube videos don’t addres
This Transformation Enables You To:
Feel like you got a pay raise — without increasing your income
Step into an abundance mindset and be open to receiving God’s provision from any place, not just a job or a budget line
Write the missionary check the moment God prompts — without spreadsheet gymnastics or fear
Say, “Yes, we can host the missionaries,” because you’ve built margin for holy interruptions
Watch your teenager proudly say, “My parents taught me to budget,” and pay cash for their first car
Accept the job that lights your fire because you’re debt-free and confident in your money habits
Sleep through economic headlines that once sent you spiraling — your security is no longer in the stock market
Become the family member everyone calls for financial wisdom (not loans)
Drop everything to help when crisis hits your small group — because you planned for generosityTeach your children how to check the giving plan, instead of saying, “Money doesn’t grow on trees.”
Book Your Strategy Session
If you’re ready to grow in faithful stewardship — and finally experience peace, clarity, and confidence with your finances — I would love to walk with you.
This is your space to share your goals, your challenges, and your heart around money. Together, we’ll look at where you are, where you want to be, and what’s been getting in the way.
Whether you're overwhelmed, discouraged, or simply wanting to honor God more fully with what He’s entrusted to you, this session is your first step toward stewardship that lasts.
MORE ABOUT ME
Meet Tracy — Your Christian Financial Coach
My Journey From Change Jar to Abundance
I’ll never forget the bank teller’s face when I brought in $26 in change to cash out for groceries for the week.
She laughed.
And that was my, “I’ve HAD it!” moment.
My husband and I had already racked up $3,000 in overdraft fees for the year — and it was only August. Our different “money languages” felt so insurmountable that we actually divorced. Money wasn’t the only issue, but it was the match that lit the fire.
But God had other plans.
During our separation, my husband gave his life to Christ, and I learned what it meant to live my life for Jesus. He restored our marriage and gave us a second chance — including our finances.
When we remarried, we decided to do things differently.
We dusted off the principles we’d learned from money classes and books over the years — the ones we never actually implemented — and this time, we put them into practice.
We learned to budget together as a team.
We became debt-free.
We built savings.
We learned to communicate about money with honesty, humility, and grace.
And by applying what Scripture really teaches about stewardship — multiplication, preparation, generosity — everything changed.
Today, when God prompts us to give $500 to a missionary, we don’t check the bank first. We’ve already allocated it. We’re building wealth not in spite of our faith, but because of it.
Now I teach Christians the biblical principles, practical tools, and heart transformation I wish someone had taught us years earlier — so they can manage money with confidence, build wealth without guilt, and become the generous Kingdom funders God created them to be.
What Working Together Looks Like
1:1 Coaching
1:1 Coaching is a 6 month program, where you receive private, customized coaching, support, and accountability. We meet together twice per month, each session is an hour. We use the Steward and Grow Method to help you stop money stress and grow your bank account, while meeting you exactly where you are in your finances and relationship with money. This is a great option if you are hungry for 1:1 coaching that goes deep to your specific needs.
Group Coaching
The Steward and Grow Accelerator is a 12 week coaching program that is a condensed and power-packed version of the 6 month coaching option. We meet together once per week, each session is 90 minutes. We use the Steward and Grow Method to have a more set lesson structure. You will be coached with a group of your peers who are on the same financial journey to stop money stress and live generously! Each group is made up of members who are chosen to create an environment of safety, trust, and fun. This is a great option if you love the group vibe that gives encouragement and accountability.
This is perfect for you if:
You are looking for a guide to empower you to get your own results, so you can be your own hero
You’ve tried budgeting before and it didn’t stick
You and your spouse want the same thing, but you’re not sure how to get there
You want an accountability partner to keep you on track to your goals
Are ready to be challenged on how you think and feel about money now serves you
You are ready to break the cycle of money stress and do what it takes to change it
This is NOT for you if:
You are looking for a “savior” and want someone to get the results for you
You think you want to change your situation, but staying where you are feels safer
You are not open to exploring new beliefs about money
You want an accountability partner to keep you on track to your goals
You’re married but don’t want to work with your spouse with finances
You don’t want to be challenged to grow
If you choose to say “heck yes”:
You will grow in confidence and clarity with handling money
Your bank account will grow
You will align your finances with your values
If you choose to stay put:
You will continue to have the same feelings about money and stay stressed
Your default-autopilot will keep you repeating your same patterns
Nothing changes in your financial situation
The Steward & Grow Movement
A community of Christians committed to managing God’s money with confidence, growing their bank accounts with wisdom, and living generously with joy.
This isn’t just coaching—it’s a movement. A shift in how Christians view money, steward resources, and walk out their calling with clarity and purpose. When believers learn to manage money God’s way, stress disappears, generosity expands, and lives transform.
The Steward & Grow Movement exists to equip Christians with the biblical wisdom, practical tools, and renewed identity needed to live as faithful stewards.
we BELIEVE . . .:
God entrusts resources to His people for Kingdom impact.
Stewardship requires both practical wisdom and heart transformation.
Financial peace is possible for every believer.
Generosity grows when money stress disappears.
Marriage becomes stronger when couples steward together.
Wealth can be built without guilt—and enjoyed without shame.
Christians should lead the world in financial wisdom and generosity.
Our Vision:
To see Christians become the most confident, generous, and faithful money stewards on earth—funding Kingdom work, modeling healthy financial habits, and transforming generations through wisdom and generosity.
The Heart of the Matter
Imagine Sunday morning. The missionary shares about unreached people groups.
The Holy Spirit prompts you to give. Not out of guilt. Not for recognition. But from overflow.
You and your spouse already discussed it. You've allocated funds for Spirit-led giving. You write the check with joy, knowing your household is cared for AND you can participate in God's work.
Your children watch you demonstrate that money is a tool for God's purposes, not an idol to worship or a source of anxiety.
When unexpected expenses arise? You're prepared, not panicked.
When God opens a door for ministry? Money isn't the barrier.
This is Biblical financial freedom:
Not wealth for wealth's sake, but resources for God's purposes
Not hoarding in fear, but stewarding with faith
Not prosperity gospel, but faithful stewardship
Not loving money, but using money to love others
You become God's distribution channel—a pipeline of provision for His purposes.
God Hasn't Called You to Financial Anxiety
He's called you to faithful stewardship. To manage His resources with wisdom. To give with joy rather than fear.
The question isn't "Does God want me to have money?"
The question is: "Am I being faithful with what He's already given me?"
Your next level of generosity is waiting on the other side of learning to steward well.
Why You Can Trust Golden Rose Financial Coaching
Trusted by Christian families, couples, and professionals who want biblical clarity, practical structure, and lasting transformation with their finances.
Certified Christian Financial Coach
Tracy is a certified financial coach dedicated to helping Christians experience peace, clarity, and biblical stewardship. She blends practical training with faith-centered guidance to create real, lasting change.
Since 2020
Helping Christian individuals and couples manage money with confidence, communicate better, and build financial peace rooted in Scripture.
From Broken to Restored
Tracy and her husband walked through financial chaos, communication breakdown, and even divorce—then watched God redeem it all. She coaches from real-world experience, not theory.
Featured on the Ramsey Coach Directory
Listed on the Ramsey Preferred Coach directory, showing her commitment to trustworthy, values-based financial guidance.
Proven Client Results
Clients report feeling clearer, more confident, more united in marriage, and more generous within weeks—because stewardship begins working immediately when guided well.
Biblically Grounded, Spirit-Led
Everything Tracy teaches is aligned with Scripture, God’s heart for stewardship, and Christian identity. No guilt, no shame—only truth, grace, and wisdom.
You deserve a coach who understands both your faith and your finances—and knows how to guide you with compassion, clarity, and confidence.
Choose the Support That Fits Your Journey
Whether you want personalized coaching, group encouragement, or simply clarity on your next steps, there’s a path to help you steward God’s money with confidence.
Money Strategy Session
Perfect for anyone wanting clarity, direction, and biblical guidance with their finances
A 1:1 session where we’ll look at your current financial situation, identify the root challenges, and map out next steps using the Steward & Grow Method. You’ll walk away with clarity, confidence, and a customized action plan rooted in biblical stewardship.
Best for you if:
You’re unsure where to start
You’re overwhelmed or stressed about money
You want actionable steps, not more confusion
You want to see what coaching looks like
The Steward & Grow Accelerator (Group Coaching)
Grow your confidence, mindset, and money habits in a supportive Christian community
A 12-week biblical finance transformation program designed to help you stop money stress and grow your bank account—alongside believers on the same journey. Includes weekly live coaching, structured lessons, accountability, and group encouragement.
Best for you if:
You want community, accountability, and motivation
You thrive with structured lessons
You want to grow spiritually and practically
You enjoy learning with like-minded believers
1:1 Steward & Grow Coaching (Private Coaching)
Six months of personalized, deep financial transformation
Private coaching tailored to your exact situation, marriage dynamics, money beliefs, and financial goals. We meet twice per month for six months to build structure, ignite vision, transform mindset, and create lasting stewardship results.
Best for you if:
You want personal guidance and accountability
You want to go deep on mindset and identity
You desire breakthrough in marriage communication
You need a customized plan for your finances
Every believer deserves a clear, biblical, and practical path to financial peace. Choose the option that fits your season—and let’s begin your Steward & Grow transformation.
Stay Encouraged & Equipped
Follow Golden Rose Financial Coaching for weekly biblical wisdom, money tips, encouragement, and practical tools to help you steward God’s resources with confidence.
Every week, Tracy shares faith-based financial insights, practical budgeting tips, marriage communication tools, and inspiring stories of transformation. Join the community and stay connected on the platforms you use most.
OUR BLOG
Golden Rose Money Mastery
Accelerate Your Path to Financial Freedom: Achieve Debt-Free Wealth
You can become debt-free faster than you think—and build long-term wealth with the right mindset, habits, and stewardship. Discover how faith, teamwork, and proven financial principles can accelerate ... ...more
Financial Freedom & Wealth Building
December 09, 2025•2 min read
Achieve Financial Freedom Without Sacrificing Your Lifestyle
You don’t have to live on nothing to reach your money goals. Learn how shifting your beliefs—rather than going scorched earth—helps you find balance, stay consistent, and make financial progress witho... ...more
Mindset & Money Transformation
December 09, 2025•3 min read
Shifting from Scarcity to Abundance: Transform Your Money Mindset
Transforming your money mindset begins with breaking free from fear, scarcity, and old patterns. Discover how faith, clarity, and intentional habits can lead you into an abundant, purpose-filled finan... ...more
Mindset & Money Transformation
December 09, 2025•3 min read
From Debt to Freedom: My Financial Transformation Story
A personal journey from debt and stress to freedom, confidence, and God-led financial purpose. ...more
Success Stories & Life Transformation
December 09, 2025•3 min read
Stories of Transformation
Don't Just Take My Word For It...
Real Christians. Real breakthroughs. Real stewardship transformation.
From feeling stressed, ashamed, or overwhelmed to feeling clear, confident, and generous—these stories show what happens when believers learn to steward God’s money with wisdom, structure, and heart change.
“N.D.”
I need to share with you: You are such a gift time, in ways I probably won’t ever be able to express this side of heaven. The light I see in you is a steadfast strength, gentle spirit, and being able to “see” people the way God does, in the middle of their brokenness, providing soothing and calming energy and re-focusing on what truly matters. You spoke like into me and truth where I had been believing lies. You accept and honor my feelings and you allow me to be fully myself. Thank you for being you.
“T. and K.”
Wanted to let you know that we made a deal for the suburban yesterday and wrote a CHECK to pay for a Honda Pilot to replace it! No more car payments!!!!
“A.L.”
You know how reluctant I was to do this in the beginning. That’s all your hard work getting me integrated and gazelle intense! You’ve been the biggest part of keeping us accountable and consistent through this journey, so I think from the both of us, there’s no THANK YOU big enough to show our appreciation for you walking this with us.
We paid off $120,000 of debt in 22 months
“A.L.”
Thank you Tracy for your enthusiasm towards my life & helping me reach my financial goals! Thank you for celebrating with my as I made my FINAL CAR PAYMENT! (Yay! ^_^) And thank you for your patience as I work through what is best for me. I am very happy that you enjoy working with me. I am finally getting to a place where I think I can make some progress. LET’S GO00 2023!
Are you next?
Ready to Create Financial Peace? Start Here.
Download the simple, biblical budgeting tool that helps Christians take the first step toward clarity and confidence.
If money feels chaotic or overwhelming, the Budget Blueprint Template will help you finally get organized and create a monthly plan you can actually stick to. No more guessing, stressing, or hoping things work out. Just a clear roadmap that honors God and brings peace to your finances.
With the Budget Blueprint Template, you’ll:
Know exactly where your money is going each month
Stop impulse spending and unexpected “surprises”
Build savings without feeling restricted
Create space for generosity
Start stewarding God’s resources with confidence
STILL NOT SURE?
Frequently Asked Questions
Can you guarantee results?
Your transformation depends on your commitment. Just like therapy, discipleship, or spiritual growth, what you put into coaching is what you get out of it.
If you’re willing to show up, be honest, try new things, and take action — you are already set up for success. I will walk with you every step of the way.
Why is the program six months long?
It takes about three months for a budget and money routine to feel natural — and another three months for new habits, mindsets, and systems to become steady and long-lasting.
I want your transformation to continue long after coaching ends, and six months gives you the time, support, and structure to truly change your financial story.
How do I pay you?
You have two options:
Monthly investment over our six months together
Pay-In-Full, which includes an additional month of coaching as a thank-you bonus
Whatever option you choose, we’ll make sure your budget feels safe and supported.
Do I need to be good with numbers to do this?
Not at all. You don’t need to love spreadsheets or math to steward money well. I teach you simple, biblical, practical systems that anyone can follow — even if numbers overwhelm you right now.
What if my spouse isn’t on the same page yet?
This is extremely common. Many couples start coaching with only one spouse participating at first. As you grow in confidence and peace, most spouses naturally become more willing to join.
You can still make incredible progress on your own, and we’ll bring your spouse in when the time is right.
Is this biblically based?
Yes. Every part of the Steward & Grow Method is rooted in Scripture — not prosperity gospel, not guilt-based teaching.
We focus on faithful stewardship, wisdom, generosity, purpose, and honoring God with what He has entrusted to you.
I’ve tried budgeting before and failed. How is this different?
Budgeting apps and systems alone don’t create change because they don’t address your mindset, identity, emotions, beliefs, and habits around money.
This program combines practical tools and transformation — which is why it works when everything else hasn’t.
Will I have to stop enjoying life or feel restricted?
Absolutely not. Stewardship is not deprivation. It’s alignment.
This process actually helps you enjoy God’s blessings without guilt, spend intentionally, and create margin for generosity and rest.
Do you work with singles as well as couples?
Yes! Whether you're married, single, or engaged, financial stewardship applies to every season of life.
Many single Christian men and women love coaching because it helps them build confidence and stability for the future.
What if I feel ashamed of my money situation?
You’re not alone — and you’re not judged here.
Jesus redeems every part of our story, including our finances.
Shame keeps us stuck. Stewardship sets us free.
I’ve walked through overdraft fees, debt, chaos, and even a broken marriage — so I coach with compassion, not condemnation.
Is this financial advising or investing?
No. I’m not a financial advisor and I don’t manage investments.
I help you create the structure, habits, mindset, communication, and biblical stewardship foundation that makes those things easier, safer, and more effective.
How do I know if coaching is right for me?
If you desire to honor God with your finances, want clarity and confidence, feel tired of money stress, and are ready for a biblical approach that finally makes sense — you are in the right place.
We’ll talk through everything in your Money Strategy Session so you feel completely at peace with your decision.
