Getting to Know: Financial Wellness Coach, Beth Crittenden

Love the Zero refers to when income minus savings and expenses equals zero. Financial organizer and counselor Beth Crittenden aims to get clients to not only love the zero, but to also have a sense of self-love and communication about money. In order to be “fiscally fit”, clients must be aligned with how the world is, take care of themselves when it comes to financial decisions, and live within their means. Beth accesses the individual needs of her clients and helps them create a financial plan that is both fun and disciplined. She remains client-minded and people-oriented, bearing her clients’ wishes and needs in mind while creating a practical and sustainable plan for their spending and saving.

Beth never saw herself as a financial organizer until she re-assessed her own allocation of spending and funds. It was then that she discovered her natural ability for helping people organize their money and founded Love the Zero. During sessions, Beth starts by having a conversation with her clients where she listens to what their long-term goals are. She then accesses, determines what the stumbling blocks are in achieving those goals, and works with her clients to develop a specific plan from there. Conversations are two-sided and non-judgemental in nature. She aims to facilitate a productive yet supportive environment for clients to plan ahead, stick to their goals, look at money in new ways, and enjoy themselves while sticking to a budget.

When asked to describe her clients, Beth detailed a wide range of people who all share the clarity that “something needs to change [in] the way they’re dealing with money”, be it in narrowing expenses, building a more comprehensive budget, gaining more profits in their business, realigning their spending habits within their means, or learning to splurge every now and again. Beth’s work primarily centers around a) teaching her clients how to handle their money, or b) building a sense of accountability into clients who know what they should be doing with their money but are struggling to stick to a plan.

Moving forward, Beth hopes to incorporate more community into her business by holding group sessions. She hopes that the group atmosphere will help clients be open about their spending and saving habits while no longer being resistant about discussing money. Having close family and friends in the sessions as familiar sources of support will make clients acknowledge existing issues in the way they handle money while remaining attuned with the thoughts of those around them. At the end of the day, Beth’s work is about more than just money; rather, setting the logistical framework for clients to go forth living the lives they were always meant to be living.


To learn more about Beth Crittenden or to plan a session, visit