Kristine Du | Certified YNAB Coach

Kristine Du | Certified YNAB Coach

Big life changes — first job, new home, growing family — deserve a money plan that grows with you. I help people build a YNAB plan that covers the essentials, funds the goals, and still leaves room to enjoy what you’ve earned, guilt-free. Let’s explore what your money can do.

I'm an engineer, planner, and problem-solver with a passion for personal finance. Saving has always been a priority for me, so for a long time, that came with a side of guilt any time I wanted to actually enjoy my money. YNAB changed that. It gave me a framework to spend on the things I love without second-guessing every purchase. Now I coach others to build that same clarity with a plan that covers your responsibilities and makes room for your life.

I've been using YNAB for 10+ years. In that time, I've paid off my student loans, traveled to 15+ countries, taken a career break, moved cross-country, bought a house, and started a family. None of that happened by accident. It happened because I had a plan. I'll help you build yours — one that funds what matters, builds toward your goals, and still leaves room to enjoy your life along the way. Whatever you're dreaming of, I want to help you get there. My goal is for you to walk away feeling confident that your dreams are achievable.

I coach because I know what it feels like to have income, but still feel like you can't fully enjoy it. I know how much can change when you finally have a system that helps you plan for the future while enjoying the present. YNAB didn't just help me track spending; it changed how I think about money entirely. Now my goal is to help others realize that budgeting isn't about restriction, it's about freedom.

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