Tired of Feeling Stressed About Money—or Constantly Checking Your Bank Account?

You became a therapist to help people—not to constantly worry if you can pay yourself, take time off, or cover your taxes.

CAN YOU RELATE TO THIS →

😓💸 Working hard but struggling to pay your bills

😨💰 Anxious every time you check your bank account

🤔📊 Unsure how many clients you need to hit your income goals

😥🏖️ Feeling guilty about taking time off

😬🦘 Dreaming of leaving your job with benefits, but scared to take the leap

📈💸 Attracting clients, but not seeing that money in your personal account

🚀❓ Ready to grow, but unsure where to start

😵‍💫📊 Tired of flying blind when it comes to business finances

IMAGINE IF…

🎯💰 You knew exactly what you needed to earn to create your dream life

🗺️💰 You had a plan that told your money where to go (no more guessing!)

😌✅ Tax season didn’t freak you out

✈️🌍 Your business paid for that month-long European vacation you’ve always dreamed of

😎💸 You could confidently leave your job and know you'd have more income and freedom

💪💰 You feel confident with your money

💰🔒 You could finally pay off debt and build real financial security

Let Me Introduce You to the Missing Piece:

Profit for Keeps® is a therapist-friendly financial system created by Amber Dugger. It expands on proven cash flow principles, offering a practical, values-based approach tailored to small business owners, especially mental health providers and helping professionals.

Amber is a Mastery-Level Certified Profit First Professional, and Mike Michalowicz, the author of Profit First, personally encouraged her to create Profit for Keeps® as it builds on the foundation of Profit First, offering a holistic, values-based approach to managing cash flow. One that starts with your personal finances and then moves into building your business money map, so you can feel confident that your practice is aligned with your life, not the other way around.

I’m currently enrolled in the year-long Profit for Keeps® Certification Program, and expect to be fully certified by fall 2025. While I specialize in working with therapists, this method applies whether you're in private practice, group practice, community mental health, healthcare settings, or any other service-based industry.

The Four Phases

to the Full Profit for Keeps® Method

Clarity: Create Your Financial Roadmap

The Financial Blueprint Session sets the stage for everything moving foward.

Once you’ve created your personalized financial roadmap, we’ll move into building a financial system that supports both your life and your practice—so money feels less stressful and more steady.

Foundation: Simplify Your Personal Finances

Personal finances come first—this is the root of sustainable profit.

Many therapists already have profitable practices, but personal spending habits can quietly chip away at that profit. You’ll create a sustainable personal budget in YNAB, understand exactly what you need to earn, organize expenses, tackle credit cards and debt, and build daily routines that make money feel manageable—not overwhelming.

Structure: Simplify Your Business Finances

Now that your income goal is in place, we can design a business to support it—clearly, consistently, and confidently—without the overwhelm.

You’ll create a custom Profit First-inspired system known as Profit for Keeps®️ with simplified percentages tailored to your practice and your lifestyle. You’ll know how much to set aside for taxes, expenses, and owner pay—so you can make confident decisions without second-guessing every number.

Confidence: Maintain a System You Can Trust

The final phase is about consistency and confidence.

You’ll keep practicing your system, refining as needed, and making financial decisions from a grounded place—not a panicked one. This is where money becomes a tool for clarity, not confusion.

This is how you go from uncertainty to confidence,
one intentional decision at a time.

You can finally trust your numbers.

You’ve just learned the Four Phases of Profit for Keeps®, and now we start with Phase 1: Clarity. This is where we get your numbers out of your head and into a clear, personalized plan that shows exactly what you need to earn and where your money should go—so you can stop guessing and start feeling in control.

PHASE 1 HAPPENS IN

The Financial Blueprint Session

This is a 90–120 minute, hands-on session led by me (Maren)—a Profit for Keeps® Coach-in-Training—where we:

Define your revenue goal based on your dream life

Clarify where your money goes—like owner pay, taxes, and business expenses—so nothing falls through the cracks

Break down your numbers using personalized percentages from the Profit for Keeps® system

Build a plan that supports your values, lifestyle, and financial peace of mind-in both life and business

You’ll walk away with a personalized financial roadmap—one that supports your income, your rest, and your bigger vision for your life and business.

What’s Included:

You’ll walk away with clarity, direction, and a plan you can actually use.

✔️ Aligned revenue goals tailored to your life and work

✔️ Personalized money allocation percentages using the Profit for Keeps® framework

✔️ Tax clarity—so you know exactly what to set aside (no more guessing)

✔️ A clear, step-by-step plan to meet your financial goals

✔️ Tools to stop just getting by—and start getting ahead

✔️ Zero money shaming. Just grounded clarity, direction, and support

I was feeling unsure about my niche, pricing, and especially my financial picture. My business was in the early stages, and I struggled to attract clients or feel confident in what I offered.

Working with Maren brought so much clarity. I now understand what I want, what I need to earn to get there, and where I was spending in ways I hadn’t even realized.

Most importantly, I finally believe I’m on the right path and that there’s space for me in this industry.

The coaching process was easy, insightful, and calming. Even with a big emotional topic like money, Maren made it feel peaceful and doable.

– VALERIE, COACHING CLIENT

Frequently Asked Questions

  • I’m currently training to become a certified Profit for Keeps® Coach and am over halfway through the year-long certification process. I’m also the first therapist to go through the program—which means I bring a therapist’s lens to the financial side of private practice.

  • Profit for Keeps® expands on the cash flow principles found in Profit First, but it is a separate financial system created by Amber Dugger specifically for service-based businesses, with a strong focus on mental health professionals and private practice therapists. It offers a holistic approach that begins with your personal finances and is designed for more flexibility, fewer bank accounts, and easy integration with budgeting tools like YNAB.

    Many therapists are running a profitable practice, but personal spending habits often prevent them from fully experiencing business profitability. Profit for Keeps® helps you start with your personal financial goals so you can find peace, confidence, and clarity with your money without constantly stressing about it.

  • YES! You don’t need to be “good with money”—just open to clarity. This session is designed to be shame-free and practical, even if you’ve avoided your bank account or felt overwhelmed by finances.

  • Yes! Profit for Keeps® is designed with ADHD brains in mind. I have ADHD myself, and this system completely changed how I relate to money. We’ll move through it together—think body doubling meets gentle accountability—in a way that’s clear, sustainable, and totally judgment-free.

    The process is also visually appealing and easy to follow—even if you’ve struggled with numbers or spreadsheets in the past. You won’t be left to figure it out alone—I’ll guide you step by step. This system really works, especially if traditional budgeting methods have left you feeling overwhelmed or shut down.

  • Absolutely! We’ll use realistic estimates to help you build a plan for your future practice, so you feel ready and confident when the time comes.

  • While you don’t need to know every number off the top of your head, I’ve found that working with real numbers is key to getting the most out of this session. If you’re not sure about your exact numbers, I’ll help you figure them out!

    This process is all about clarity—and to get that clarity, we need to be as real as we can. Don’t worry—this is a completely judgment-free space, no matter what your numbers look like.

  • You Need a Budget (YNAB) is a modern budgeting tool based on the envelope method. It’s one of my favorite ways to help therapists create clarity around their cash flow.

    🧡 Want to check it out? Here’s my referral link.

  • The session will last between 90 minutes and 2 hours. I recommend setting aside the full 2 hours so we don’t feel rushed. That gives us plenty of time to walk through everything together and make sure you leave with a clear, personalized financial roadmap.

Hi there!

I’m Maren. I’m a therapist, coach, and financial nerd who’s passionate about helping other therapists build profitable, sustainable businesses.

I founded Balance & Beyond Coaching Solutions after learning the hard way how confusing and exhausting the financial side of private practice can be. I’m now on a mission to help you ditch the stress and build a business that actually supports your life.

I’m the first therapist on the path to becoming a certified Profit for Keeps® Coach, and I blend my clinical background with practical tools that make money feel more manageable—even if you’re ‘allergic to spreadsheets. I’m here to help you go from stuck to secure—with support, structure, and zero shame.

Ready to transform your financial overwhelm into peace of mind?

Reach out today so we can set up your FREE discovery call and build a personalized roadmap to your dream life and business.