Kristina
Ellis
Fun. Frugal. Financially Free.
NICE TO MEET YOU · I'M KRISTINA ·
K
Kristina
Ellis
Fun. Frugal. Financially Free.
NICE TO MEET YOU · I'M KRISTINA ·
K
FEATURED IN:
FREE for your family

The Ultimate Money Planner

One tool to track your budget, crush debt, grow savings, and finally feel in control of your money.

No guesswork. No guilt. Just a simple system that works.

âś“ Monthly zero-based budget with auto-calculated percentages
âś“ Debt payoff tracker with months-to-freedom countdown
âś“ Emergency fund milestones and savings goal tracker
âś“ Net worth dashboard, subscription audit, and sinking funds
 

Breaking Broke Mindsets

I come from generations of people who struggled with money. Even the ones who earned good money often ended up with little to show for it. After years of hard work, they reached retirement with empty pockets.

I decided to break the cycle. When I noticed myself falling into the same old patterns, I made it my mission to learn how to change a scarcity mindset and build lasting wealth.

While I didn't come from wealth, my mom did teach me to be resourceful, bold, and relentless.

In high school, I went after college scholarships the way a chihuahua walks into a room full of dogs 10x its size, with unhinged confidence and a relentlessness that simply would not quit. I earned over $500,000 and graduated from Vanderbilt completely debt-free.

Since then, I’ve written two bestselling books, co-hosted the #1 personal finance podcast in America, and helped thousands of families send their kids to college without debt.

Now, I teach families real-world money skills and college funding strategies so you can build a better future.

I’m still learning, too. You’ll see me trying No Spend Challenges, reading new books, and testing what works right now.

Let’s build wealth together and change our family trees for good.

HOW TO SAVE THOUSANDS ON COLLEGE

Stacking
College
Dollars
Money-Wise
Working
Saving
Early Actions
Financial Aid
Scholarships
College Choice

The exact system I used to win over $500,000 in scholarships, built into a step-by-step course so your family can graduate debt-free without leaving it to luck or legacy.

Coming Soon

HOW TO SAVE THOUSANDS ON COLLEGE

Stacking
College
Dollars
Money-Wise
Working
Saving
Early Actions
Financial Aid
Scholarships
College Choice

The exact system I used to win over $500,000 in scholarships, built into a step-by-step course so your family can graduate debt-free without leaving it to luck or legacy.

Coming Soon

RECENT ARTICLES

How Long Will My Money Last in Retirement? 

What a retirement calculator estimates, the inputs that matter most, and how to think about your savings with more clarity and less anxiety. 

Full Article

How to Write a Scholarship Essay That Wins

Understand what judges really want, find your best story, get the step-by-step process that helps scholarship essays stand out.

 

Full Article

Coaching Intensive

LIMITED SPACES AVAILABLE. APPLY TODAY.

If you feel stuck, overwhelmed, or like you know you’re meant for more but haven’t fully broken through yet, this is for you.

This is a chance to work closely with me to get clear on what needs to change, make a real plan, and build momentum in the areas that matter most.

  • Work 1:1 with Kristina
  • Get clear on what you want and what’s been holding you back
  • Create a practical plan for the next 90 days
  • Build habits and routines you can actually stick with
  • Get the accountability and support to follow through
Apply Now >

Your family's future is worth fighting for.

Start with the free planner. Join our program. Get coaching. Or just read the blog. Every step forward counts.