The fourth year of my budget coaching service will begin in January 2023, and you may fill out the following application to be considered for one of the two slots. I will only be taking on two couples/individuals to make sure I have enough time to devote to your success. It is a two year commitment, with the first year being very hands-on, and the second year will be more advisory with help as needed. The great thing about this program is you will not pay me anything during your first year. During your second year, each month, you will pay me half of whatever you end up saving prior to the start of the program. I intend to help you, but if I don't, you won't pay me anything. I do consider my time and this service to be valuable, though, so this application will be taken seriously, and it must be submitted prior to November 10th to be eligible. Personal interviews will occur during November/December to decide which applicants will be chosen to participate, and I look forward to working with you. Please e-mail me at firstname.lastname@example.org with any questions.