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      <image:title>Course - Path to Profitability - You can have the profitable business you dream of and feel confident in your finances without:</image:title>
      <image:caption>– Tracking every single dollar you spend. – Spending hours pouring over spreadsheets. – Stressing or even thinking about money all the time. – Worrying that your revenue won’t cover your expenses. – Offering deep discounts to make the sales you need by the end of the month.</image:caption>
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      <image:title>Course - Path to Profitability - Hi, I’m Kristen!</image:title>
      <image:caption>I’m a Profit First Certified financial coach and I love helping entrepreneurs and small business owners simplify their money, set up financial systems they can manage on autopilot and crush their financial goals. Even though I teach personal finance for a living, When I started my business I didn’t know how to pay myself. I had no clue about how much (or even how to) set aside for taxes. I didn’t know what was reasonable to spend on marketing, office expenses, networking, professional fees, etc. And profitability? What’s that? I had to figure it all out. So trust me when I tell you, I know just how you feel. Once I finally figured it out, my business started to grow. I was able to know exactly how many clients I needed to have to achieve my business and personal financial goals. I learned how to pay myself consistently even when my clients weren’t. I was able to stop spending brain power worrying about financial worst case scenarios and use it to create powerful programs, worksheets and tools to help my clients succeed faster. I was able to hone in on my packages and pricing so that I could allow my business to support the lifestyle I wanted to create, not the other way around. Once the business finances were on autopilot, the clarity was unstoppable. I became a Certified Profit First Professional because of how much it changed mine and my client’s lives.</image:caption>
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      <image:title>Course - Path to Profitability - If what you’ve been doing hasn’t been working, it’s time to make a change.</image:title>
      <image:caption>This course and system will save you thousands of dollars, hours of stress and help you simplify and systemize your finances so your money is on autopilot. THEN you can go back to focusing on sales, with the freedom and knowledge that it IS enough. The road to financial freedom starts today!</image:caption>
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    <lastmod>2026-03-24</lastmod>
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      <image:title>Small Business Financial Coaching - You can….</image:title>
      <image:caption>– Be empowered by your money and financial statements – Get excited to talk about and look at your monthly income and expenses – Take a consistent paycheck or draw from your business to help manage your personal finances more efficiently – Be confident with every financial decision you make and in planning for upcoming expenses and investments – Be recession proof with 3 months expenses and your own line of credit you draw on as necessary – Take a bonus from your business every quarter just like large corporations – And most importantly, increase your income and revenue to ensure your business supports your life, not the other way around</image:caption>
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      <image:title>Small Business Financial Coaching - You likely already have everything you need to achieve the business of your dreams...</image:title>
      <image:caption>Financial freedom is right in front of you.  With a little guidance and a step by step approach, let us help you choose the right fit for you, your business and your budget! – Financial Fitness Academy – Deep Dive Session to get solutions to your biggest challenges  – Profit First Kickstart – 1:1 business financial coaching</image:caption>
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    <image:image>
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      <image:title>Resources</image:title>
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      <image:title>Resources</image:title>
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      <image:title>Resources - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/73209328-f987-4cb7-9f60-b5c9c1940d6e/Kristen-Ricupero-Financial-Coach.jpg</image:loc>
      <image:title>Resources - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Membership</image:title>
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      <image:title>Membership</image:title>
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    <image:image>
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      <image:title>Membership</image:title>
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    <image:image>
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      <image:title>Membership - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/b67de45b-6cff-48b9-9f83-2e2ecb226d88/927A0072.jpg</image:loc>
      <image:title>Membership - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/f777e9b6-d365-40d4-a47d-fbb7297e340f/927A0205.jpg</image:loc>
      <image:title>Membership</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/f9721e15-3e27-4562-a94d-47cf896c92a2/927A0175.jpg</image:loc>
      <image:title>Membership</image:title>
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    <image:image>
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      <image:title>Membership</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/97ee8a6c-be69-4afc-8f68-c9d42365a94a/Screenshot+2025-12-23+at+5.37.54%E2%80%AFPM.png</image:loc>
      <image:title>Membership</image:title>
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    <image:image>
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      <image:caption>Do you check your bank account and wonder where it all went? Start budgets that fizzle out after a week? Know you should be saving but can't figure out how to make it stick? You're not doing anything wrong. You just haven't learned a system that actually works for your real life. We built the Confident Money Collective to give you: - Skills you can use immediately (not vague advice) - A realistic structure (for real life, not perfect life) - Expert support when you're stuck - Total clarity on your numbers - A community that won't judge you for starting over …so you don’t have to figure it out alone. You deserve to feel confident about your money, and with the right guidance and consistency, you absolutely can.</image:caption>
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      <image:title>Workshops &amp; Speaking - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Workshops &amp; Speaking - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
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      <image:title>Workshops &amp; Speaking - Looking for a speaker instead?</image:title>
      <image:caption>I’m so passionate about helping people change their money stories and I love an opportunity to show that passion and educate audiences about how things can be different than they currently know financially. I speak to groups both large and small about various financial topics including: Profit First Small Business Financial Foundations 3 Powerful Profit Moves For Your Business Going to College Debt Free Master Your Money Debt Elimination Protecting Your Family Financially Customized to your audience</image:caption>
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      <image:title>1:1 Personal Finance Coaching</image:title>
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      <image:title>1:1 Personal Finance Coaching - Does any of this sound familiar?</image:title>
      <image:caption>You’re living paycheck to paycheck even though you make GOOD money! You feel like EVERY TIME you get ahead, you fall 3 steps backward You’re DROWNING in debt and don’t know where to start You’re worried about the future and think, there’s NO POINT, I’ll never retire You wonder how EVERYONE else seems to be making it work You’re TIRED of living like this and ready to do ANYTHING to change it You want MORE for your family and your FUTURE</image:caption>
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      <image:title>1:1 Personal Finance Coaching - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
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      <image:title>1:1 Personal Finance Coaching - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/8b78a079-9ba8-4347-9d32-f4e77c130752/Zack+Headshot.jpg</image:loc>
      <image:title>1:1 Personal Finance Coaching - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/82dfef7a-4f24-49e5-a44c-98e5937bcc3a/Pink+Beige+Aesthetic+Visual+Boards+Comparison+LinkedIn+Post+%281%29.png</image:loc>
      <image:title>1:1 Personal Finance Coaching - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/7675b742-fd8f-48a7-96f0-fda5927900c5/Anna+Headshot.jpg</image:loc>
      <image:title>1:1 Personal Finance Coaching - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/9aad8ff9-bc94-427d-856b-0f99ebbd064d/Heather+M.+Headshot+%281%29.jpg</image:loc>
      <image:title>1:1 Personal Finance Coaching - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/2ec0c967-5b72-4e37-bd42-fd92721a36b6/Tahlia+Clement+Headshot.jpg</image:loc>
      <image:title>1:1 Personal Finance Coaching - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Hey Instagram!</image:title>
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      <image:title>Meet Our Coaches - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5a73b9ce32601e9840e3eaf2/d56864ed-da88-4b26-9500-13fdc810c7f0/Free+Facebook+Group+Image+2500+x+2500+px.png</image:loc>
      <image:title>Meet Our Coaches - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://financialfitnesscoaching.com/thank-you-profit-masterclass</loc>
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      <image:title>Thank You - Free Profit Masterclass - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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