Online programs for every level and every budget.

Easy to learn • Affordable • Get started immediately

“The reason I started my financial coaching business was to make financial education and literacy easily accessible, regardless of your budget or previous experience, so that you can do more of the things you love, without the stress.”

Sandra Joe, Financial Coaching & Virtual Courses


Go At Your Own Pace

Learn when it's convenient for you and take as much time as you need with each module. 

Take Action Fast 

Each program is designed to help you with one specific area of your finances. Enroll in what you need and you'll learn tools to help you take immediate action in your personal finances.

Lifetime Access

You'll have lifetime access to the program content so you can come back and review the training whenever you need it.

Destroy Your Debt

Do you start to sweat every time you login to your online banking?

Lose the shame around looking at your credit card bills and personal loans. With this self-led course you will learn how to quickly pay off your debts, while continuing to build your savings so you have the confidence in knowing your bills are taken care of! This course will help you create a solid plan that's easy to stick to. 

$99 USD for Lifetime Access


How to

Create Passive Income

Designed for the 9-5 salaried worker with an entrepreneurial spirit, this course will teach how to bring in a second (or third) stream of income, whether you have special skills or not.

$99 USD for Lifetime Access


How to

Invest in Your First Property

Buying a new home is a milestone to be celebrated. However, it can also be a challenging process. In this program, you will learn everything you need to know to be prepared to invest in your first property, including what to look for in the fine print.

$249 USD for Lifetime Access


Money Mastery BUNDLE!

Basic money management was not taught in school. This is why so many of my clients come to me for help. This course is the best place to start to learn basic financial literacy skills at your own pace such as understanding your relationship to money, budgeting, managing debt, and investing. Great start for beginners!

Bonus! Includes access to Destroy Your Debt, How to Create Passive Income and How to Invest in Your First Property.  

$499 USD for Lifetime Access


Looking for Personalized Coaching?


3 x 60-min Live Coaching Sessions 

Whether you're already an investor who's looking to get into new opportunities, or you've never paid attention to your finances or had a budget before, this is a GREAT starting package for you. In these 1-on-1 Live Coaching Calls, you will work directly with Sandra to uncover your future plans, what your current road blocks are, and set up a plan to help you achieve your goals. 

BONUS Offer: If you purchase this plan before December 31st, 2023 you will also get lifetime access to the Money Mastery Bundle! a $499 value!

$1,499 USD for 3 x Customized Coaching Sessions & Money Mastery Bundle!


“These courses will give you the foundation you need to understand your money better, know where it’s going every month, and be able to take immediate action with your income and expenses so you can begin living your dream life. One step at a time.”

Sandra Joe, Financial Coaching & Virtual Courses 


Hi, I'm Sandra Joe

After formerly working as a Certified Financial Planner® CFP, I realized that there was a need for the younger generation to learn money management and financial literacy in order to build wealth over time. I like to call these the years where you are “in the trenches”. I love to work with ambitious people who are juggling careers, young families, new businesses, buying their first property and looking at ways to maximize their income, get out of debt faster and create more time freedom. But if there’s one goal that ALL of my clients have used, when asked about what they want to achieve, it’s Financial Security. 

I don’t say that because it’s trending or the current buzzwords… but because that was me!  

Thus, Sandra Joe Financial Coaching was born! I have created programs to meet everyone's budget so there's no excuses for not getting started.

Investing in yourself today will improve your knowledge for the rest of your life. It's called the Compounding Effect, and I'm here to help.

Client Testimonials

Her course exceeded my expectations with sessions being very tailored to the questions I had about developing my business as a physiotherapist.

I highly recommend this course to anyone who is either intimidated with finances, want to gain a better understanding and feel more confident with their finances, and making a plan to achieve their personal and financial goals.”

- Jessica, Vancouver

I’m so grateful to have met Sandra. Not only is she a phenomenal financial coach, but she has really helped me make the connection between my limiting beliefs and money stories. 

She has great energy, is easy to talk to, and is very comforting; these qualities are vital, as talking about money has been overwhelming and difficult for me, especially since leaving corporate and becoming a business owner. Having not only her practical knowledge coupled with her supportive coaching has been wonderful.

- Jennifer, New York

I knew I needed to invest in myself and my business to get me where I want to go. I now have a clear plan on how many clients I need to have a monthly basis to make the salary I deserve. I also have learned valuable lessons around where my money is going every month and how much I need to have that "cushion". I highly recommend Sandra and have already referred people to her!

- Rhonda, Dallas

As a couple who have lived in multiple different countries (Australia, Hong Kong & Canada) we wanted to learn about how to better manage, grow and invest our money whilst understanding the tax implications. Prior to enrolling in the coaching, we had some basic knowledge but we wanted to enhance our financial literacy.  Sandra is such a relatable person and made us feel so comfortable diving into a world that was very unknown to us. Sandra also gave us a framework with which to visualise our goals, and this has already helped us in making decisions in how we plan our future holidays and what we can and cannot afford. We are now able to put the skills and knowledge that Sandra has passed onto us into practice when we start our family. To then also pass down this new-found knowledge to our children so that they begin their money journey in a better place than we did.

- Maddy & Scott, Melbourne


My sister referred me to Sandra and I’m so thankful she did.  I was ICU RN working big money COVID contracts. I was recently engaged and started a new trucking business. Sandra has been so helpful in showing me how to financially manage my trucking business and transition it to a family business now that I’m married.  She’s so knowledgeable in helping us forecast and plan for business expenses and profits.  My only regret is that I didn’t utilize her services earlier.  I would have been further along in my financial journey.  My husband and I have different money values/spending habits so she’s been super helpful in getting us on the same page.  Let me tell you….JUST START WHERE YOU ARE AND SHE WILL GIVE YOU THE DIRECTION YOU NEED! Thanks so much, Sandra!

Arynia & Tony, Dallas

Where do I start?! Our sessions got personal quick and I really like that because I don't care for fluff. I came in expecting money, mindself and business talk, but you surprised me in a really pleasant way with activities that helped me dive into more of the meaty heart and relational matters of money. I appreciate your transparency, expertise and genuine care to see me grow and succeed in my business and life! We have a few more sessions to go and I look forward to see what we uncover together!

I like the structure in which we meet and the different activities you've provided. The homework aspect of our sessions helps me a lot in diving deeper into processing what I want in my business and life altogether. You're an attentive listener and can feel that you genuinely care about seeing me succeed, and I take comfort in our shared similarities. Also, hearing about your business and the process in which you got to where you are and continue to grow and build is inspiring and motivates me.

- Mariam, Vancouver

Frequently Asked Questions