CLIENT TESTIMONIALS
“I cannot understate how Jen’s coaching changed my entire life, not just my financial life.
Jen’s empathetic, non-judgmental, realistic approach to finances and why we as individuals spend the way we do really unlocked a newfound independence in me.
Thanks to Jen, I spend more intentionally, take time to actually invest in what I value, and know I’m setting myself up for the future while also enjoying my life now.
I’ve always wanted a more balanced approach to my financial situation, but was frankly scared of getting down into the weeds. Jen makes everything super accessible and doesn’t try to put you into a one-size-fits-all budgeting system. She really listens to what you care about and helps you make your own decisions and drive your own personal ownership of your financial present and future.
Jen’s coaching remains one of the best things I’ve ever spent money on and I can’t thank her enough.
Emma J.
Technical Operations Manager
“I cannot recommend Jen’s program enough! Not only was the content incredibly informative, but her approach was unlike any other. She took the time to truly understand my values and goals, tailoring her guidance to my specific needs. Thanks to Jen, I feel empowered to take control of my finances and confidently plan for my future””
Grace D.
Senior Account Manager
“Jen did an excellent job helping me understand my spending and overall finances in detail. From evaluating the types of credit cards I was using, to assessing my everyday spend and retirement investments, she guided me on how to make the right adjustments so that I can put money toward the financial goals that were most important to me. I wouldn't have been able to accomplish the tasks needed without her help and holding me accountable throughout the process. I learned so much in our sessions and now feel really secure about my financial future thanks to her help!”
Christina O.
Senior Marketing Producer
“Working with Jen has given me an understanding on where my money is going.
I first went to Jen because I had purchased a home and was feeling overwhelmed with the large mortgage payment, property tax, etc. Jen helped me to plan out my budget and gave me confidence in my financial situation. We also spent time on helping me maximize my retirement and to begin planning for my daughter's college fund.
I really appreciate the values based approach that Jen brings because it was a good reference to how I want to spend my money and how my spending habits were consistent with those values.
We also got a lot done during our sessions and in a short amount of time, I was able to get on track with not only daily spending but a clear plan on my future.
I highly recommend working with Jen and feel optimistic about my finances!”
Rachel P.
Head of Sales
“I recently transitioned from a full-time gig to freelance work and was feeling really insecure about how to optimize finances.
Jen helped me from soup to nuts, giving me advice on how to set up the right systems for my business, how I should be maximizing my savings & tax deductions, and even how to price my own services. With the advice, options, and simple steps Jen put in front of me, I was able to get everything in place rather quickly.
The cost of the course was nothing in comparison to the confidence I now have to run my business with no surprises. Above all, the coaching was judgment-free and really easy to understand.”
Alex O.
Freelancer
“I highly recommend working with Jen Lu. She not only answered questions about my finances, she helped me to see the big picture of where I am and where I would like to be with warmth and humor. Jen Lu is a treasure.”
Danielle T.
NYT Best Selling Author
“Before starting to work with Jen, I felt I was missing out on opportunities to grow my wealth because of knowledge gaps. I was hoarding my savings and my budgeting goal was to not exceed my monthly paychecks, so I didn’t have a clear or long-term plan for my finances.
I was in Jen’s 12-week program and my goals were to shift to being strategic with making my current money work as hard as possible for me, develop a long-term financial plan with my values in mind (contributing to family expenses as well as my other goals), and fill in financial literacy knowledge gaps.
I looked forward to every session with Jen. She created a safe space to ask my beginner questions and she gave me action items every week (yes even the first session!) towards making changes to how I was managing my money. Over the course of the 12 weeks, I felt my confidence grow in how I spoke about investing and wealth management and where I was once intimidated by this whole domain, it started to become a hobby!
By the end of the 12 weeks, I had made changes to optimize various parts of my finances and had a long-term spending plan that was tailored to my core values. I now know where my money is going exactly and my finance foundation is 100% stronger than it was previously.
I am very grateful for Jen; the program was exactly what I needed, and I’m excited to continue to grow my wealth on top of the foundation I gained in the program. Looking forward to future check-ins with Jen!”
Fhay A.
Senior Marketing Producer
“I’m happy I had the chance to work with Jen Lu and her holistic wealth coaching program. It came at the right time for me where I finally understood I needed to take a hard look at my finances in order to rebuild my future and my foundation. I am in the cannabis industry (and generate an income as an adjacent business), so I understand that I am simultaneously building the table as I make room for myself and others to sit at it.
However, this volatile and undefined space also provided me with insight that in order for me to succeed, I needed to protect myself and create a stronger financial foundation. Not only did this program reveal that I was mindlessly spending and rarely saving, but it also highlighted that I do have an ability to make money in a unique way.
The challenge I’ve taken on now is how to properly use my money. I needed a more systemic approach that could keep me organized, provide visibility, and ultimately create a plan for myself that I could follow and be accountable to. There is nothing limiting about sticking to a plan to reach a goal and this program changed my mindset around that. Anything is attainable with a focus and commitment to yourself and your goals.
I also came to understand my lack of financial knowledge came from limiting beliefs that I did not have the skills to actually control my own financial destiny or understand my worth, professionally. That block created shame and fear which prevented me from learning more.
While this was an extremely challenging program for me, it ultimately shifted my money mindset. It also allowed me to align my values directly with my spending habits to make better choices but to also be able to fulfill my own personal needs/wants.
I still have a long journey ahead but I look forward to growing more financial security and stability through the lessons I learned from this program. I highly recommend Jen Lu for her approach and ease with tackling big financial hurdles with empathy and joy.”
Scarlett P.
Software Engineer
“I’m happy I had the chance to work with Jen Lu and her holistic wealth coaching program. It came at the right time for me where I finally understood I needed to take a hard look at my finances in order to rebuild my future and my foundation. I am in the cannabis industry (and generate an income as an adjacent business), so I understand that I am simultaneously building the table as I make room for myself and others to sit at it.
However, this volatile and undefined space also provided me with insight that in order for me to succeed, I needed to protect myself and create a stronger financial foundation. Not only did this program reveal that I was mindlessly spending and rarely saving, but it also highlighted that I do have an ability to make money in a unique way.
The challenge I’ve taken on now is how to properly use my money. I needed a more systemic approach that could keep me organized, provide visibility, and ultimately create a plan for myself that I could follow and be accountable to. There is nothing limiting about sticking to a plan to reach a goal and this program changed my mindset around that. Anything is attainable with a focus and commitment to yourself and your goals.
I also came to understand my lack of financial knowledge came from limiting beliefs that I did not have the skills to actually control my own financial destiny or understand my worth, professionally. That block created shame and fear which prevented me from learning more.
While this was an extremely challenging program for me, it ultimately shifted my money mindset. It also allowed me to align my values directly with my spending habits to make better choices but to also be able to fulfill my own personal needs/wants.
I still have a long journey ahead but I look forward to growing more financial security and stability through the lessons I learned from this program. I highly recommend Jen Lu for her approach and ease with tackling big financial hurdles with empathy and joy.”
Geraldine C.
Founder & Entrepreneur
“At first I was hesitant at the initial cost of investing in a financial coach, but working with Jen more than paid for itself.
Before I met Jen, I always had a running credit card balance and a list of items I wanted to buy that felt out of reach. I now have no credit card balance and a plan to reach my short and long term goals that allows for flexibility when unexpected or new expenses arise.
Jen helped me learn about my assets, create positive habits, and develop a finance plan based on my values. I have already seen the results: Over her four month coaching program, I had a 41% increase in net worth.
On top of that, working with Jen transformed my mindset about money. I now feel empowered about money and prepared for the future. I still meet with Jen quarterly to check in on my progress and make adjustments to my finance plan based on life updates.
Jen’s coaching program has had a transformative impact on my finances that will last a lifetime.
Lastly, Jen is fun to work with -- her upbeat, encouraging attitude always had me excited for our sessions. I highly recommend Jen! “
Paige M.
Senior Communications Manager
“Money used to be a source of anxiety and stress for me. I actively hoarded it but didn’t manage it in any logical way. Growing up, my parents emphasized that I should always save money and never go into debt but they weren’t able to give me more tangible guidance on financial management beyond that.
Working with Jen, I was able to confront and overcome these fears and avoidances. I love that she holds me accountable and has empowered me to think about how to manage my money in a way that is tailored to my needs and financial profile.
I found it particularly helpful that she was able to share specific freelancer best practices and tips. Since she herself had gone through a similar transition from full-time to freelance before I did, I trusted that she had done thorough research and had first hand knowledge.
I now have full visibility of how much I have in which accounts and how much I should be budgeting to spend on a day to day basis and how much I should be investing or putting into retirement savings. Especially since I am a freelancer, having this type of visibility and handle on my finances is very critical.”
Veronica C.
Marketing Manager
“Jen was absolutely incredible. Her judgment-free approach helped me to shift my mindset from viewing money as a stressful and frustrating necessity to something which I can feel excited about. For the first time, I feel positive and in control of my money and spending, rather than it controlling me. Instead of feeling restricted in how I spend money, I am spending more thoughtfully and feel as though my money is really going towards things which add value to my life.”
Franchesca D.
Technical Writer
“For years I was unable to shake the immigrant scarcity mindset that my parents imparted to me. Jen not only helped me to move past that fight-or-flight response to a place of security, but also to clarify what was truly important to me and worth spending money on. Ultimately, I’m moving forward on my financial journey with a more macro view of my finances and my future goals.”
Chia K.
Designer
“By far Jen has been the most knowledgeable, trustworthy and helpful financial coaches I have worked with. One of the main reasons I was drawn to Jen was because of her background, she is also a first-generation Vietnamese American. She has a unique understanding of how financial planning can be frustrating for children of immigrants.
Also as a physician, financial education was never emphasized during my training. I started the program with a lot of confusion and denial about where I was with my finances. Jen was able to break down the basics of finances without the jargon. Her non-judgmental approach made it easy to be frank with her about where I was with my finances. She kept me organized with her weekly assignments and even created personalized spreadsheets which were easy to use.
I appreciated her holistic approach to coaching as well, not only did we focus on my actual finances but also my overall relationship with money and my core values.
I came out of the coaching sessions more confident in how I invest and spend my money. I feel like I now have the tools to continue my financial growth independently. Working with finances can be confusing, but it is obvious that she truly has a knack and passion for coaching.”
Julie L.
Physician
“I started working with Jen as I was hoping to gain knowledge about my finances during a heavy transitional period. The coaching sessions went above and beyond in that I now feel empowered to look at finances instead of turning away - it’s encouraging to now be able to participate and know the rules of play now.
Before coaching, my perspective towards tracking money felt transactional versus a holistic relationship to time/energy. While I expected to learn about finances, we also worked through the root of my management of time and energy, such as: assessing jobs and salaries, visibility into burn rate during career exploration.
I very much appreciated the organization of Jen’s 12 week plan - each lesson was fun! Every class/task seemed to be a piece of a puzzle that I could put together so that you could see all the accomplishments made at the very end. I loved being able to backtrack and reference the learning material with ease. It made all the difference.
Jen's approach is with the utmost empathy, knowledge and customized organization. She truly sees the teachable moments in every meeting. And it was beyond successful in that it enabled me to feel more empowered and knowledgeable -- I now feel confident and empowered to take things head on as she has equipped me with all the necessary tools.”
Francine M.
Freelancer
“I started working with Jen because I felt lost and intimidated by my finances. I had a lot of credit card debt and my income sources were starting to be affected by the pandemic. That’s when I realized I needed help to figure out how to untangle myself from the financial mess I was in. That’s exactly what Jen helped me do!
From the start of our work together, she was a supportive and non-judgmental presence. She helped me understand how I got to where I was and how I could not only leave that place but do so in a way that was aligned with my values and goals.
I love this newfound clarity and perspective, and now I’m in a much better place because of my work with Jen. She helped me come up with a plan to pay my debt (paid down 2 credit cards and have reduced by 46% thus far!) and start saving + building an emergency fund for myself.
Most importantly for me, I no longer feel intimidated or nervous about my personal finances. I feel free and empowered because now I can make real conscious and informed decisions to get the most happiness out of my money.
I’m so grateful to Jen for providing me with the tools and knowledge I needed and even more grateful for her patience, commitment and unwavering support during this process!”
Blanca P.
Executive Coach
“Working with Jen gave me a strong foundation to start thinking about my financial future. I now have the tools, baseline understanding, and the confidence to ask questions, make decisions, and actively engage with my own finances so that I am in command of my financial situation!”
Kendra S.
Strategist
“I had planned on finding a financial coach, but I found that process intimidating. I didn't know where to start with finding someone who was a right fit for me. I was afraid whatever financial coach I chose was going to shame me for not knowing the basics of saving money for retirement. I come from an immigrant background and I felt embarrassed about my lack of financial literacy. Jen was very understanding and empowering. She set up a program for me to save and get out of debt that I could stick to independently once I was done with the program. I finished the program feeling set up for success!”
Sophia L.
Food Stylist
“Jen’s coaching is designed to meet the needs of each individual’s personal finances. I felt safe in sharing my personal finances with her. I am confident that Jen could help most people to have a healthier relationship with money. She wants her clients to be happy.”
Tony P.
Chief Marketing Officer
“Working with Jen was one of the best decisions I made to get my finance management in order. As someone who grew up in an immigrant family where money was made, not discussed, and the general life tips were “save, save, save” and “make lots of money,” I felt behind and lost on where to begin managing and growing my personal wealth.
Jen takes a balanced approach between coach and advisor, and has created a comprehensive program that is more than just getting an Excel worksheet to plug in numbers. It is instead a holistic deep-dive that gave me visibility into where my money was going, but also clarified how I see my relationship to money, where I value spending it (and where I don’t), and how I can positively use those insights to impact my financial habits for the long-term.
Jen’s coaching has been invaluable in setting up a solid foundation and redefining how I manage my finances, and I’m excited to continue to carry on the habits I’ve developed through Jen’s program into my everyday life.”
Emily K.
Senior Strategic Communications Director
“Jen is that rare balance between a financial planner and life coach that’s somewhat impossible to find.
I’d run into several dead ends trying to find someone who could help me scenario-plan my way out of a job I hated; and without judgment, lecturing or self-interest. She is not a disciplinarian but something of a financial empath who tailors her coaching approach to your personal emotional and educational needs—she reads beyond the spreadsheets.
The program itself is highly personalized, as high touch as you desire, and requires weekly “homework” to develop consistent financial hygiene. Her spending plan and self-serve frameworks are intuitive and have been instrumental in providing peace of mind as I navigate this time of personal exploration without a full-time job. The way she challenges you to pivot your thinking about money, income, wealth—and what working life can look like—is invigorating.
I highly recommend Jen overall but especially if you are considering making big changes in life—after all, she’s lived what she coaches.”
Dewi B.
Director of Brand Marketing
“At the start of 2024, I decided this year would be my year of financial literacy and fiscal freedom. A couple of weeks into the year, a friend told me about Jen over dinner and how much she had helped with her personal and business finances. It felt like a sign from the universe that I should work with Jen, and I couldn’t have been more correct.
Jen has been a true gift. She has helped me develop a healthier relationship with money, align my spending with my values, and taught me countless practical tools for long-term financial health. Our sessions were as much therapy as they were financial coaching. Jen will surely change your life as she has mine.”
Grace H.
Chief of Staff &
Director of Social Impact
“Working with Jen is nothing short of life changing. This positive light she brings to each session uplifts even finance learning :) Her positive reinforcement gives you confidence to tackle those dreadful tasks. And block by block, the money starts working for you. I used to despise “being on a budget” (just like diets) It’s so restrictive, always making you feel guilty about “overspending”. Jen’s philosophy flips that mentality on i’s head. It gives you permission, dare I say even JOY, to spend on the things that improve YOUR life, as defined by you.
I had tried several budgeting approaches (from my bank, Mint, logging receipts, etc.), but I couldn’t get them to work efficiently. Jen has built an incredible system that is both short and long term. Sustainable to use. Comprehensive. Customized to you and designing the life that you want. Jen has not only made budgeting enjoyable - she changed my life by encouraging me to focus on what matters most and abandon my fear of spending.“
Brin N.
Enterprise Account Executive