Most people are lost with money.NorthStar shows you the way.
In 12 weeks: a working budget, a debt payoff plan, and a clear position on the 10-Step Framework. No shame. Just a path.
- 🧭 10-Step Framework · 12-Week Program
- 🛡️ Do-the-Work Money-Back Guarantee
- 📚 Built on Ramsey + AFCPE methodology
Sound Familiar?
You're not alone. These are the challenges our clients face before they find their True North.
Living Paycheck to Paycheck
You make decent money, but somehow there's nothing left at the end of the month. Every unexpected expense sends you reaching for a credit card.
Drowning in Debt You Can't Escape
Minimum payments barely cover the interest. You've tried cutting expenses, but the balances don't move. It feels like running on a treadmill that keeps speeding up.
Conflicting Advice Everywhere
One expert says pay off debt first. Another says invest now. Someone else says credit cards are evil. The noise is paralyzing, and you end up doing nothing.
No Idea Where to Start
You know you need to do something, but every time you sit down to make a plan, the numbers feel overwhelming. You need a clear first step, not another spreadsheet.
The 10-Step Financial Framework
From your first financial audit to total financial freedom. Every step builds on the last. Find out where you are, and we will show you the way forward.
The Mirror
Conduct a full audit of all your debt, assets, and monthly spending. Before you can go anywhere, you need to know exactly where you stand.
The Life Raft
Build a $2,000 emergency fund to mitigate the unexpected. This isn't your savings goal. It's the buffer that keeps a flat tire from becoming a financial crisis.
The Alignment
Define needs versus wants, and remove non-essential expenses. We're not asking you to live on rice and beans. We're finding the subscriptions and habits that drain you without adding value.
The Debt Kicker
Pay off all outstanding debt, excluding your primary residence. This is where the game changes. We build a strategy that targets your highest-interest debt first and frees up cash fast.
The Safety Anchor
Save 6-8 months of essential expenses in a high-yield account. Once your debt is cleared, this safety net means you'll never fall back into the cycle.
The Lifestyle Audit
Create a budget plan based on your household income. Not a spreadsheet you'll abandon in February. A real plan that accounts for your actual life.
The Wealth Starter
Allocate 20% of your income towards savings and investing. This is the step where you stop playing defense and start building real wealth.
The Allocator
Save for your child's future, including college and retirement. Your financial stability becomes their foundation.
The Preservation
Secure your future with estate planning and alternative investments. Protect everything you've built so it lasts beyond your lifetime.
The Summit
Reach total financial freedom and enjoy what you've built. This is the destination. Every step before this was the climb.
THE METHOD
A framework, a coach, and a guarantee.
NorthStar Financial Education isn't motivation, it's mechanics. You get a structured 10-step framework rooted in AFCPE-accredited coaching principles and the same behavior-first approach used by Financial Peace University. Jon walks you through it personally for 12 weeks, with a Do-the-Work Money-Back Guarantee backing every engagement.
Book a Coaching Call- 10-step framework built on AFCPE-accredited coaching principles
- 1:1 weekly coaching with Jon for the full 12 weeks
- Direct access between sessions, not a support queue
- Do-the-Work Money-Back Guarantee (see Terms)
Steps in the Financial Framework
Weeks to Complete the Program
Weekly Coaching in Every Tier
Do-the-Work Money-Back Guarantee
Choose Your Path
Whether you're just getting started or ready to accelerate, there's a program built for exactly where you are.
12-Week "Master Your Money" Program
90 days to recalibrate your entire financial life.
$497
- ✅12 weekly group coaching calls
- ✅Complete 10-Step Framework walkthrough
- ✅Personalized debt payoff strategy
- ✅Custom budget built in Week 1
- ✅Digital workbook and templates
Accelerator Program
Group coaching plus dedicated 1-on-1 sessions.
$997
- ✅Everything in the Core program
- ✅4 private 1-on-1 coaching sessions
- ✅Personalized debt payoff roadmap
- ✅Accountability check-ins between sessions
- ✅Priority community support
VIP 1-on-1 Coaching
Your personal financial coach for 12 weeks straight.
$1,997
- ✅Everything in the Accelerator program
- ✅Weekly 1-on-1 coaching sessions
- ✅Emergency support access
- ✅Partner/spouse coaching included
- ✅90-day post-program check-ins
Stories Like Yours
Illustrative stories of where people start, and what changes once there is a plan.
“My husband and I had $37,000 in debt and were fighting about money every week. By week 6 we had a budget that actually worked and stopped blaming each other. We're on Step 5 now and it feels like breathing again.”
Jessica M.
Dallas, TX
12-Week "Master Your Money" Program
“I was making $85k and still living paycheck to paycheck. Turns out I had no idea where $1,200 a month was going. The Mirror step was a wake up call. Now I actually have money left on the 30th.”
Marcus T.
Charlotte, NC
12-Week "Master Your Money" Program
“I tried Dave Ramsey but the religious stuff wasn't for me. NorthStar gave me the same structure without the guilt. My 1-on-1 sessions with Jon helped me build a plan for my actual life, not someone else's.”
Aisha R.
Atlanta, GA
Accelerator Program
Where Are You on the Path to Financial Freedom?
Answer 6 quick questions. We'll show you exactly which of the 10 steps you're on and what to focus on first. No email required. No strings attached.
Meet Your Coach
Jonathan Hahn
Financial Coach & Educator
I grew up in the financial industry. My stepfather built North Star Capital over 30 years, and I spent my formative years watching families make decisions that would shape their futures. Some of those decisions built generational wealth. Others created cycles of debt that lasted decades.
What I noticed was a gap. The people who needed help the most couldn't get it. Wealth management firms wanted clients with six figures to invest. Dave Ramsey wanted you to follow rigid rules that haven't been updated since the 90s. And social media was full of influencers selling get-rich-quick dreams to people who couldn't afford their rent.
Read the Full Story →Credentials
- ✅Seasoned financial educator and coach
- ✅Built the 10-Step Financial Framework from 1,000+ family consultations
- ✅Hundreds of household financial case studies reviewed
- ✅Group coaching graduates reduced average debt by $23K
Core Beliefs
- 🧭Everyone deserves a clear financial roadmap, regardless of income level.
- 💪Accountability beats motivation. A plan you follow beats a plan that inspires you.
- 🤝Financial coaching works best when your partner is in the room.
- 📈Debt is not a character flaw. It's a math problem with a human solution.
From the Blog
Actionable insights on budgeting, debt, and building wealth. No fluff, no sales pitches.
How Auto Loans Hold Couples Back From Buying a Home
Two car payments can quietly crowd out your down payment and shrink what a lender will approve. Here's how couples can treat auto loans as one coordinated decision, not a string of one-off purchases.
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How to Get Out of Debt: A Step-by-Step Plan That Actually Works
Forget generic advice. Here's the exact process we use with coaching clients to pay down debt, one step at a time.
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The Homeownership Challenge: How Couples Are Adapting to High Home Prices
The median U.S. home now costs over $425,000 and the income needed to buy it sits about $25,000 above what the typical household earns. Here are the five strategies couples are actually using to cross the finish line in 2026.
5 min readRead →FREE CONSULTATION
Book your free call with Jon
Pick a date and time that works for you. No cost, no pressure, and you leave knowing your next step.
No Obligation
This is a free discovery call. Jon learns about your situation, answers your questions and suggests a path forward. No pressure, no sales pitch.
Your Numbers, Made Clear
You walk through where you likely stand on the 10-Step Framework and what a sensible next step looks like for your budget.
Partners Welcome
Money affects the whole household. Your partner or spouse is always welcome to join the call at no extra cost. Coaching works best when everyone is in the room.
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Clear the financial fog. Find your True North.
Take the first step today. Your future self will thank you.