Is This You?
You Make Great Money—But Where Does It Go?
- Unsure how to use a budgeting app like Monarch Money effectively
- Earning more than ever, but the bank accounts don’t show it
- Struggling to balance kids expenses, busy career, travel, and saving for the future
- You’re fluctuating income makes budgeting difficult
- Tired of budgeting advice that feels restrictive or unrealistic
- You want structure, flexibility, and expert guidance all in one place
How You Can Get On The Right Track With Your Cash Flow:
Step-by-step systems on how to create a budget
Monarch Money focused instruction
Access to 1-1 coaching through exclusive membership rates
Weekly live Q&A calls and workshops to keep you going and stay accountable
Constant community and coach support
Courses, tools, and checklist to help you save more and reach financial independence.
How The Membership Works
Your Journey Begins Now
Join The Program - $49/Month
Sign up for the Sustainable Budget Program to get instant access to the course, community, and coaching options.
Follow the Getting Started Pathway
Our suggested roadmap will guide you through the course content and help you take action at your own pace.
Get Support When You Need It
Attend weekly live Q&A calls, ask questions in the community, and book optional 1-on-1 coaching whenever you want personalized help.
Stay On Track
Build momentum with tools, templates, and expert feedback designed to help you evolve your money habits for long-term success.
EXCLUSIVE FOR MEMBERS ONLY
Jumpstart Your Cash Flow Strategy in Just 2 Hours
What's Included In This Private 2 Hour Intensive:
- Full Set Up Of Your Budgeting App (Monarch, YNAB, or Other)
- Get Clarity On Current Spending and Income
- Build A Budget and Cash Flow Strategy Aligned With Your Goals
- Learn How To Implement And Maintain Your Budgeting System
- Member Exclusive Private Session – Purchase and Schedule Once You Join The Membership
$1,300
$595
Sustainable Budget Member Exclusive Offer
Who You'll Be Working With
Taylor Westergard Smith
Financial Coach
Taylor, the founder of Evolving Money, is dedicated to helping people of all income levels achieve financial well-being, drawing from experience with millionaires to students. Having personally understood the stress of money management, Taylor offers a non-judgmental and supportive approach, aiming to help clients spend in ways that enhance their present lives while building a secure future. With credentials as an Accredited Financial Counselor®, a Certified Financial Planner (CFP®), and a bachelor's degree in Personal Financial Planning backed by seven years of experience, Taylor invites you to schedule a call to begin your financial transformation.
320+
Households
7 Years
ExperienceHear From Our Successful Clients
See How the Sustainable Budget Program Has Transformed Lives
Taylor is amazing. I was in such a financial mess I was having anxiety about it. In just a few sessions everything was clear, organized, at my fingertips and easy to understand. Once I could see my financial picture, with her guidance, I was able to turn things around and regain control. Taylor is so friendly, supportive and nonjudgemental, exactly what you need when you are stressed out about disorganized finances. The best part is, more than advice, she helps you connect your goals, values and dreams to your financial plans so it's easy to reach goals. Don't hesitate, sign up, this work is lifechanging!
Michelle C.
Client
Taylor, was amazing. I recently switched from mint to monarch and with in 3 sessions she got my family in great budget and taught me how to run the program. Totally suggest her if you want yo get your finances tight.
Keith H.
Client
Taylor is an absolute delight to work with. She is extremely knowledgeable, thorough, and her guidance has helped us tremendously. We have worked with Taylor to help us strategize and track our finances for both personal and business. She has helped us pay off debt, prioritize our goals, keep us accountable, and refer us to many people that have been able to help with further investments. Taylor is easily the best investment we have made in our business and personal lives!
Emily L.
Client
Besides being extremely personable and fun, Taylor is very professional and is an expert when it comes to financial advice. She has a passion for numbers, budgets, and helping people get back on track financially and this enthusiasm shines through when she's helping you. I can't imagine a better person to work with and I'd recommend her to anyone.
James M.
Client
Taylor pulled me out of befuddlement muck and also eliminated a lot of personal stress regarding ongoing budgeting. I had recently switched from Mint to Monarch and, while Monarch is a really great tool, I am not an accountant by any stretch. I had too many “in the weeds” questions. Taylor was able to answer them quickly and she’s continuing to provide me with personal coaching. I have learned a lot and I’m amazed at the progress we’ve made in just a few months. I highly recommend Evolving Money to anyone needing help with managing their personal finances.
Robin D.
Client
Here are some frequently asked questions (FAQs) about the Sustainable Budget Program:
Who is the Sustainable Budget Program for?
This program is specifically designed for high-income earners who experience fluctuating income. If you earn a significant income but find it challenging to budget effectively due to income variability, this program is for you.
We work with:
- Families couples with young kids or kids off to college
- Business owners with variable income managing their personal finances
- Individuals going through major life changes like moving, changing careers, going through divorce, etc
- Couples wanting to collaborate on their finances with less friction
What makes this budgeting program different from others?
Unlike generic budgeting advice, our program offers a framework tailored to the complexities of high and inconsistent income. We focus on building a sustainable plan that adapts to your income fluctuations, incorporates automation, and emphasizes long-term wealth growth, supported by expert guidance and a dedicated community. We also primarily focus on using the budgeting app, Monarch Money in this program, although, you can really implement in any budgeting app.
I'm looking for help with Monarch Money. Is this program right for me?
Yes! The program is designed to help you get the most out of tools like Monarch Money. We provide guidance on how to effectively use such platforms to implement your sustainable budget and answer your specific Monarch Money questions. I do provide tons of free education on Youtube. on how to use Monarch Money, and this program supplements that by asking your questions to this community or on the Q&A calls to get more unique feedback for your situation.
Can I just get 1-on-1 coaching without joining the membership?
Yes! If you are looking for more of just a one-time session to get questions answered, you can check out the Monarch Money Personal Tutorials and get scheduled there. You can also sign up for the waitlist for a the 6 Month Evolving Money Wealth Pathway to get comprehensive budgeting support. If you are looking for longer sessions or a few sessions to get your Monarch and budget set up, then the membership is the best fit for you.
How much time will this program require?
The time commitment will vary depending on your individual needs and how actively you engage with the resources. You can learn at your own pace with the courses and checklists. The live calls and community engagement are optional but highly recommended. The initial budget audit will require dedicated time for preparation and the session itself. If you sign up for the two hour budgeting intensive, that’s all the time it would take to have a functioning budget, Monarch set up, and a debt/savings plan.
What if I have specific financial questions?
Our live Q&A calls and weekly workshops are designed to address your questions. Additionally, the private community offers a space to ask peers for insights. For more personalized support, you can also take advantage of our 1-1 coaching sessions.
Every member also has access to receive a Personal Budget Audit. You can submit your questions, share your Monarch Money, and Taylor will privately record a video answering all of your questions and helping you with any aspects of your budget and Monarch. This Personal Audit is private, just for you, and a great way to get personalized help, included with the monthly membership.
Can I cancel the membership at any time?
Yes, you can cancel whenever you’d like—there’s no long-term contract. But most members stay for months because of the ongoing support and value.
When do you host live Q&A and Workshops
I try to provide a varied time and day to work with everyone’s schedule. Most workshops are held at 4pm Mountain/6pm Eastern time Monday-Thursday, but as demand increases, I will offer more varied times for Q&A sessions. Camera and mic are optional so we can have discussions and walk through real examples.