From Rock Bottom to Rebuilding

Hi, I’m Chris — Founder and Chief Financial Coach of Square One Financial Coaching.

In 2018, my life completely unraveled in just 24 hours. My vehicle was repossessed. I lost my job. I was facing eviction.

If I’m being honest, it wasn’t bad luck — it was the result of years of poor financial decisions. And now, the consequences had caught up to me.

My family and I became virtually homeless. We squeezed into a leaky camper trailer on a family member’s property — no power, no heat. Later, we crashed on a friend’s couch until we were asked to move on.

With my credit wrecked and debts piling up in collections, even the car I scraped together $500 to buy wouldn’t pass emissions. When we finally found a place to live, we had to take out a payday loan just to cover the upfront costs. I drove off the lot in another car with a staggering 29.6% interest rate — and worked two jobs just to afford groceries and gas after making all the payments.

It was one of the darkest times of my life.

The Turning Point

By 2020, we were keeping our heads above water — but barely. No savings. No breathing room. No future.

And then my wife became pregnant with our daughter.

That was the moment I knew things had to change. I refused to let my kids grow up in the same cycle of financial stress that I had. So I made a decision: no more excuses. No more “surviving.” I created a plan and committed to following it — no matter how tough it got.

Where I Am Today

Fast forward to today:

• My credit score is above 650 (for the first time in my life).

• I’ve cleared collections and paid off high-interest debt.

• I’m building savings and investments.

• I’m on track to buy a home.

• And I’ve done it all while supporting a family of four, paying high rent, and earning less than $50,000 a year.

It hasn’t been easy. There are still hard days. But every goal I set, I’ve achieved — and each step gets a little easier.

Why I Coach

I know what it’s like to hit rock bottom. I know the shame, the stress, and the sleepless nights.

But I also know the way out.

I’ve walked that road — and now, I help others walk it too. My mission is to give you the tools, encouragement, and accountability I wish I had when I started. You don’t have to figure it out alone. You don’t have to repeat my mistakes.

I’m here to help you take control, find stability, and start building the future you deserve — one step at a time.

Because if I can rebuild from where I was, I know you can too.