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Houston Financial Coach

The Story Behind Paying Off $61k In Only 16 Months

Emergencies happen. be prepared.

Despite what you may believe, I have not always been Michael of Black Sheep Finance.

Truthfully speaking, there was a 3 year stretch where I made almost every financial mistake you imaginable.

I don’t think I’ll ever forget the first time I actually used a credit card.

It was February 2011 in Appleton, Wisconsin.


Life Can Suck Sometimes. Be Prepared.

Thanksgiving 2016 is a week I’ll never forget.

As you can probably tell by the title, that week SUCKED!

It all started the day before Thanksgiving when I got the call that my aunt, who had been in the hospital for a few weeks, was getting ready to begin chemo and was not expected to live through the initial treatment. […]

Financial Coach

Tired Of Being Broke? Do These 4 Things!

One afternoon, two young boys stood in front of their bathroom scale discussing the object at hand.

“How does this thing work?” asked one of the boys.

The other boy answered, “I’m not sure exactly, but I do know that when you stand on it, it either makes you mad or it makes you cry.”



The Percentages You Need For A Successful Budget

Question: What do you recommend for a budget percentage?

Great question! I love this one because it shows that you really care about not only creating a budget, but creating a budget that works for you. (Heavy emphasis on works for YOU!)

Here’s a fact that may come as a surprise for you: there really is no standard budget percentage chart that works for everyone.


Financial Coaching

6 Simple Habits Keeping You Broke

It’s no secret that most Americans are living paycheck to paycheck. What’s shocking is how little the average American knows about personal finance. As a result, Financial Coach Michael Lacy has shared 6 simple mistakes that keep you broke.  […]

Why Hiring A Financial Coach Is Pure Genius

This was the year that things were going to be different. This was the year the old habits you built over the years were going to the slaughterhouse. This was the year you decided that you had enough.

You said you were going to stop spending so much, and get control over your money. You were going to work towards getting out of debt. You were going to save more money.

And then something happened. And then another thing came up. And some of those old habits were a little harder to kick than you anticipated. And now, this year is starting to look similar to last year. […]

You Must Do This Before Making Large Purchases

We live in a day and age where everyone wants everything now. What we lack in patience, we make up for in debt.

Auto and student loans in America now, both, top over $1 trillion individually, and credit card debt isn’t far behind at $780 billion.

So how do we begin to reverse these trends? It’s simple actually: stop borrowing money and start saving for big purchases!  […]

How To Budget Like A Boss

If you were to ask a group of people how they currently budget, the majority would say that they just use an app like Mint to track their expenses or they don’t budget at all.

A solid financial coach would tell you that a zero-based budget is the most effective way to budget. A zero-based budget is one that gives every dollar earned a responsibility before it ever touches your account.

This doesn’t mean that your account hits zero every month, but, rather, that there is no dollar unaccounted for. For example, any extra money you have after covering your necessities would go directly towards paying down debt, savings, investing, etc.