Why Some Clients Don’t Make Progress (And How to Fix It) | EP 230

Are your clients technically improving… but not actually moving forward? In this episode of The Financial Coaches Podcast, Cody and Maria unpack a subtle but powerful shift in strategy that has helped certain clients break out of stagnation and finally start making meaningful progress. Traditionally, Cody has taught clients to “backload” their goals — waiting until the end of the month to apply surplus toward debt, savings, or investing. And for many people, that works well. But for clients who struggle with consistency and spending habits, that structure can unintentionally keep them stuck. So what’s the alternative? In this episode, you’ll learn: The difference between backloading and frontloading financial goals Why some clients plateau even when they stop going backward How to identify which clients need a strategic shift The psychology behind “which hard would you rather choose?” How to balance risk with forward momentum When deeper mindset work is required (and not just a tactic tweak) This conversation is about more than cash flow timing. It’s about knowing your client, recognizing patterns, and adjusting your coaching approach so progress actually sticks. Because sometimes the breakthrough isn’t working harder. It’s structuring the plan differently. 🎧 Resources & Links Mentioned in This Episode Ready to grow your coaching practice with the right support and community? 🚨 Join The Financial Coaches NetworkConnect with other Financial Coaches inside our private Patreon community:👉 www.patreon.com/NewMoneyHabitsFinancialCoaches  🔥 Launch or Level Up Your Coaching PracticeLearn more about our signature course, Getting Started as a Financial Coach, from New Money Habits:👉 www.newmoneyhabits.com/coaches/webinar/gsfc-registration  ✅ Join Our Free Facebook CommunityFind support, encouragement, collaboration, and real conversations with aspiring and established coaches:👉 www.facebook.com/groups/nmhcoaches  ✅ Get Connected Inside Financial Coaches+Whether you’re just getting started or already serving clients, you don’t have to do this alone. Join Financial Coaches+ and get your first month FREE:👉 www.newmoneyhabits.com/coaches/memberships/trial  🙋‍♂️ Have a Question for the Hosts?Email us at: [email protected]  📞 Want to Talk With Maria or Cody?Schedule a call here:👉 www.newmoneyhabits.com/coaches/fcpodcast_contact  🎵 Music by Summer School Follow us on social:@newmoneyhabits | @sizemorefinancialcoaching