Stop Living Paycheck to
Paycheck.
Start Building the Life
You Actually Want.
Private coaching built around the complete 7 Picos framework — a judgment-free system that turns financial stress into clarity, control, and a life you enjoy today while building security for tomorrow.
Currently accepting new clients. Spots are limited.
BE HONEST WITH YOURSELF
Does Any of This Sound Like You?
You work hard. You earn decent money. But at the end of every month, you're not sure where it went — and the anxiety starts all over again.
Living paycheck to paycheck - despite a good income
01
Every month starts with optimism and ends with stress. You spend what you make, save almost nothing, and have no idea how to break the cycle.
Debt that never disappears no matter how much you pay
02
Credit cards, student loans, a car payment — you're making payments but the balances barely move. It feels like a hole you cannot climb out of.
You know you should be investing — but paralysis wins
03
Every time you try to figure out investing you spiral into information overload. So you do nothing. And every month that passes costs you compounding returns you'll never recover.
One emergency away from financial chaos
04
No emergency fund, or one so thin that a car repair, medical bill, or unexpected expense would wipe you out. The vulnerability is exhausting to live with every day.
Another year of "I'll get serious about this next month"
05
You've said it before. New year, fresh start. By February you're back to the same habits. The plan never sticks because you've never had a real system — just intentions.
Struggling in silence because money feels too personal
06
You can't talk to friends about it. You're embarrassed to ask for help. So you carry the weight alone — when all you need is a clear plan and someone genuinely in your corner.
"Financial stress is not a character flaw. It is a knowledge gap — and that is exactly what I am here to close."
Most people were never taught how money actually works. No one explained budgeting, debt payoff strategy, how to start investing, or how to build real financial security. The system was not designed to teach you. I am. My job is to give you a complete framework — and walk through it with you, step by step, built entirely around your life.
90%
of Americans report significant gaps in their financial education
$388B
lost annually by Americans due to financial illiteracy
57%
of Americans experiencing significant financial stress right now
74%
wish they had learned more about money earlier in life
THE FRAMEWORK
One Complete System.
Seven Pillars of Your Financial Life.
Most financial advice tackles one problem in isolation. The 7 Picos framework addresses your entire financial picture — because your money does not work in silos, and neither should your coaching.
1
Budgeting
Build a real budget that reflects your actual life — not a spreadsheet you abandon after two weeks.
2
Debt Reduction
A clear, strategic payoff plan so debt stops following you everywhere you go.
3
Investing
Demystify the stock market and start making your money work as hard as you do.
4
Emergency Fund
Build the financial cushion that lets you absorb life's surprises without going backward.
5
Financial Education
Develop the financial literacy no one taught you — so you make confident decisions for life.
6
Healthy Lifestyle
Align your spending with your values and wellbeing — money and health are deeply connected.
7
Enjoying Life
Live fully today while building tomorrow. Financial freedom is not about deprivation — it's about intention.
BE HONEST WITH YOURSELF
This Coaching is Perfect For You If...
1:1 coaching is a meaningful investment of time and money. Let's make sure it's the right next step for you.
This IS for you if...
You want a complete financial system — not help with just one problem. You're ready to address all seven pillars of your financial life together.
You earn decent money but feel like you have nothing to show for it. Something is missing — and you're right to trust that feeling.
You know TikTok and ChatGPT are not a financial plan. You want a real coach who will look at your specific situation and tell you exactly what to do next — in plain language.
You want zero judgment. No shame, no lectures. Just real conversation, a real plan, and real accountability from someone invested in your outcome.
You want to enjoy your life today while building a secure financial future. You're not interested in extreme sacrifice — just a smarter, more intentional path.
You're ready to actually commit — to show up, do the work between sessions, and take this seriously for 90 days. Real change requires real effort.
This is NOT for you if...
You're looking for get-rich-quick strategies, hot stock tips, crypto plays, or day trading advice. That is not how real, lasting wealth is built.
You want someone to manage your money for you. This is education and coaching — you remain in full control of every financial decision.
You need specific tax or legal advice. I will always refer you to the right licensed professional for those conversations.
You're not ready to engage. Coaching requires honesty, effort, and a real willingness to change. I will show up fully — and so must you.
You want a plan on paper with no follow-through. The 7 Picos approach is about implementation and transformation — not just a document to file away.
THE PROCESS
Exactly How It Works
No vague promises. No overwhelming homework dumps. A clear, structured process that moves you from financial stress to financial clarity — in 90 days.
0
FREE · 30 MINUTES · NO OBLIGATION
The Free Financial Clarity Call
Before anything is paid or committed, we meet on a free 30-minute call. You share where you are financially, what isn't working, and what you want to change. I ask the questions that help us both understand your situation — and we decide honestly whether 1:1 coaching is the right fit. No pitch. No pressure. If coaching isn't the right next step, I'll tell you and point you toward what is.
1
SESSIONS 1 & 2 · YOUR FOUNDATION
Your Personal 7 Picos Assessment
We start by building a complete, honest picture of your financial life across all seven Picos. Where are you already strong? Where are the hidden gaps quietly costing you money? No judgment — just clarity. By the end of Session 2, you'll have a written 7 Picos scorecard and we'll both know exactly where we're going and why. No more guessing what to work on first.
2
SESSIONS 3 & 4 · YOUR ROADMAP
Your Written 90-Day Financial Action Plan
We build your personalized roadmap — the specific actions, in the right order, for your specific situation. Not a generic template. Not internet advice. A plan that reflects your income, your debt, your goals, and your actual life. We'll also set up the systems and tracking tools that keep you on track between sessions so momentum doesn't die the moment we hang up.
3
SESSIONS 5 & 6 · MOMENTUM & MASTERY
Implementation, Real Obstacles, Real Progress
This is where most people fail on their own — they have a plan but lose momentum when life gets in the way. Not here. Sessions 5 and 6 are for reviewing real progress, solving real obstacles, adjusting the plan as needed, and building the habits that make financial progress stick far beyond our 90 days together. You leave with a working system - not just a conversation you'll forget next week.
ONGOING - BETWEEN EVERY SESSION
Direct Messaging Support Between Calls
Life doesn't pause between sessions — and neither does your support. You have direct access to message me throughout the 90 days for questions, accountability check-ins, quick gut-checks on financial decisions, or to share a win. Responses within 24–48 business hours. Because the question that comes up on a Tuesday afternoon matters just as much as what we cover on the scheduled call.
YOUR INVESTMENT
The 7 Picos 1:1 Coaching Package
Everything you need to go from financial stress to a working financial system in 90 days.
7 Picos 1:1 Private Coaching
3-MONTH PROGRAM
$350
/ month · 3-month minimum commitment
Or pay in full: $900 for 3 months - save $150 and commit from Day 1.
Payment plan available. Sessions must begin within 30 days of purchase.
EVERYTHING INCLUDED:
6 private 60-minute coaching sessions via Zoom
Two sessions per month, scheduled around your calendar through a shared booking link.
Personalized 7 Picos financial assessment
A complete picture of where you stand across all seven pillars - your starting point and your compass for the entire engagement.
Written 90-day financial action plan
Your specific roadmap built around your income, your debt, and your goals. Not a template but rather a real plan built for your real life.
Async messaging support between every session
Direct access throughout the 90 days for questions, accountability, and real-time guidance. 24–48 business hour response time.
Session recap notes after every call
Written summary of what we covered, decisions made, and your action items before the next session. Nothing falls through the cracks.
INCLUDED BONUSES:
✓ Bonus 1 — The 7 Picos eBook (Free from Day 1)
Your complete guide to the 7 Picos framework. A reference you'll return to long after our coaching engagements end.
✓ Bonus 2 — Priority Access to Live Events & Cohorts
As a coaching client, you get first access to Community Gathering tickets and Cohort enrollment before the public - at preferred rates.
✓ Bonus 3 — 30-Day Membership Community Access
Complimentary access to the 7 Picos membership community during your coaching engagement. The accountability doesn't stop between sessions.
The Clarity Call is completely free and carries zero obligation.
If coaching is the right fit, we'll talk about what's next. If it's not, I'll tell you and point you toward what is.
Just Need One Session?
Have a specific, contained financial question? - "Should I pay off debt or start investing?" or "How do I build a budget that actually sticks?" A single 60-minute session may be exactly right. Walk away with a clear answer and a clear next step, with no long-term commitment.
$175
per 60-minute session
Every Month You Wait Has a Real, Measurable Cost
Financial inaction is not neutral. Every month without a budget is another month of money leaking out quietly. Every month without an emergency fund is another month one crisis away from chaos. Every month you delay investing is compounding returns you will never, ever get back. The cost of waiting is not zero.
No budget for 12 months = thousands lost to spending leaks
No emergency fund = one surprise from financial setback
Delaying investing = compounding you cannot recover
YOUR COACH
Roberto Ramirez
FOUNDER & CEO, 7 PICOS FINANCE
I built 7 Picos Finance around one simple belief: personal finance should not be something that only feels accessible to the wealthy, the financially savvy, or the people who happened to take the right class at the right time.
The 7 Picos framework came from my own journey — learning, making mistakes, course-correcting, and arriving at a system that addresses every pillar of a healthy financial life. I have spent years helping people work through their finances one-on-one, and I have seen firsthand what changes when someone finally has a clear plan built around their actual life.
This coaching is judgment-free, straightforward, and built entirely around you. No jargon. No condescension. No shame. Just a real conversation, a real plan, and a real commitment to helping you get where you want to go.
QUESTIONS
Frequently Asked Questions
Your Financial Life Doesn't Have to Feel This Hard.
Three months from now, you could have a budget that works, a debt payoff plan in motion, an emergency fund being built, and a real investment account open. Or you could be exactly where you are today. The only difference is the decision you make right now.
Free - 30 Minutes - Zero Obligation - Currently accepting new clients - spots are limited