Mind + Money: A Podcast All About Money and ADHD

What actually happens when you hand your real money details over to a financial coach and a financial planner? Tune in to find out! In this episode, Sherry and Val walk through a live money coaching session with a listener named Tracy, who volunteered to have her whole financial picture reviewed on air. Here's what gets covered: Why following a budget is so much harder than making one, especially for ADHD brains The "if there's money in the account, I have money" trap, and why it's so easy to fall into How one big annual expense can throw off an otherwise solid system What changes when bills and spending finally get separated Tracy's honest reaction to hearing the truth about her own numbers No lecture, no shame, just a real look at what's actually getting in the way, and what to try instead. Learn more about Tracy: Tracy is a professional woman living in the U.S. who was diagnosed with ADHD as an adult, shortly after her son's own diagnosis. She's happily divorced (twice) and sharing her life these days with her true love, her dog, Bruno. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Ever build the "perfect" money system (or any other system or plan in your life), get three weeks in, and then completely abandon it? You're not alone, and it's not a discipline problem. Sherry and Val dig into why trying to fix everything about your money all at once is the fastest way to burn out an ADHD brain, and why going slower and smaller actually gets you further, faster. And check out this episode with more about account set ups that can help you: https://www.moneymindsetfc.com/mind-money-podcast/adhd-bank-accounts-setup This episode covers: Why "do it all now" thinking backfires, and how it shows up in money, fitness, and social media, not just budgeting What separating a spending account from bills and savings can do for your stress levels How to build small dopamine rewards into boring money tasks so they actually stick Why celebrating tiny wins matters more than hitting the big number Why comparing your money journey to a marathon, not a sprint, changes how you set goals Quick heads up: they also recorded a full episode about a client story (hi, Tracy), but a technical hiccup, aka Sherry hit record without actually hitting record, means a modified version of that episode is coming your way next episode instead. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Ever kept a secret tally of what your partner owes you? Or have your partner agree to something and then not hold up their end of the agreement? This week we're digging into a Reddit AITA post about a couple stuck in a slow-motion money standoff, and it's messier (and more relatable) than it sounds. The original poster has been quietly tracking IOUs for over a year: Venmo requests that go unanswered, dinners he always ends up covering, and a running total that's crept past a thousand dollars. He wants to know if keeping that list makes him the asshole. We dig into: - Why "not the asshole" doesn't mean the relationship is actually fine - The difference between tracking money and avoiding a real conversation - What a shared "fun account" could solve that a Venmo request never will - Why a cohabitation agreement is worth the awkward conversation, especially when only one of you owns the home This one's a good gut check for anyone who's ever let a money frustration fester instead of naming it out loud. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Dating someone new and things are going well? Before it gets too far, there's one conversation you don't want to keep putting off: money. In this episode, Sherry and Val talk about the financial red flags (and green flags) worth paying attention to when you're building a new relationship, whether you're a few dates in or already picturing a future together. They get into: - What actually counts as a financial deal breaker, and why you need to name yours before you're in too deep - How to bring up money without it turning into an interrogation - Why someone's money mindset can matter more than their credit card balance - What it means when debt shows up in the conversation, and how to talk about it without shame - How to build a shared money system that doesn't turn into an admin nightmare (especially with ADHD in the mix) This one's for anyone who's ever wondered how soon is too soon to talk about money with someone new. Spoiler: probably earlier than you think. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Why does putting your prices up or negotiating a higher salary feel so much scarier than it should? On this episode of Mind + Money, we're joined by Kate Edwards, founder of Eight Percent Coaching, to dig into rejection sensitivity, pricing, and why so many ADHD entrepreneurs (and employees) leave real money on the table. Here's what we get into: Why the fear that shows up right before a price increase or a negotiation isn't really about the number at all Kate's own 56% pay jump, and what she actually did to advocate for herself Why women with ADHD are earning meaningfully less than neurotypical women, and what that gap adds up to over a lifetime A simple business audit exercise that shows you exactly where your time and money are actually going How to negotiate a job offer (or a client contract) without losing the deal Learn more about Kate Edwards: Website: Eight Percent Coaching (www.eightpercentcoaching.com) Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Note that we'll be slowing down a bit for the summer and will be switching to bi-weekly episodes because, well, Summer! Do you need a niche to run a successful business? The standard advice says yes, and it usually sounds like "pick a demographic." But what if that approach doesn't work for how your ADHD brain actually operates? In this episode, Sherry and Val dig into what it really means to find your people as an ADHD entrepreneur. Spoiler: it has a lot less to do with age ranges and job titles and a lot more to do with values, energy, and shared interests. They cover: - Why demographic-based niching often falls flat for ADHD entrepreneurs - What to look at instead when figuring out who your ideal client actually is - How sharing your values openly (even the polarising ones) attracts the right clients and repels the wrong ones - Why financial stability gives you the power to say no to clients who aren't a fit - How your gut instinct is your biggest asset on discovery calls, and why ADHDers often second-guess it even when it's right If you've been stuck trying to force your business into a niche box that doesn't feel right, this one's for you. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Ever found yourself in the kitchen at 9pm, suddenly aware you have not eaten all day, and then felt that wave of shame wash over you? If feeding yourself feels weirdly hard, you are not broken and you are definitely not alone. This week we are joined by Amy Jones, a certified functional nutrition practitioner and ADHD life coach who was not diagnosed with ADHD until she was 45. She gets it, because she lives it too. We get into: - Why eating is actually an executive function task (and why that one reframe changes everything) - The shame spiral around food, and how to start stepping out of it - The surprising link between digestion, stomach acid, and feeling like garbage - Amy's PFF is your BFF approach to staying fuelled without overhauling your whole life - Meals as assembly, not recipes, for the days you have zero capacity left If you have ever wondered why you can know exactly what you should eat and still not do it, this is the episode for you. Learn more about Amy: Website: https://www.amyjonesnutrition.com/ What to Do When Food Feels Like Too Much (free guide): https://amyjonesnutrition.myflodesk.com/whattodo Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

How many bank accounts do you actually need? Where does money go once it hits your main account? And what even is a sinking fund? Should they be a part of your plan? In this episode, a financial coach and a financial planner stop talking theory and share their actual bank account setups. Sherry and Val walk through their full personal and business account structures, including the ones that are probably too many steps for most people, and the version they actually recommend to clients. We get into: - Why a separate spending account is the single most impactful change most people can make (and the one-step answer it gives you to "can I afford this?") - What sinking funds are and whether a more separated savings structure makes sense for your brain - Why the credit card works brilliantly for some people and quietly causes problems for others - What a self-employed person's business accounts actually need to look like - How to manage joint finances when both people in a household need some autonomy Whether you have been curious about how money nerds actually structure their accounts or you are tired of not knowing where your money goes before the next payday, this episode has answers. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

If you're Canadian and your phone and internet bill has been quietly creeping up for years, you're not imagining it. Most of us hit a point where we know we should deal with it and then... don't. This episode is about what happens when you finally get fed up enough to actually make the call. We cover: - What finally pushed Sherry to take action (and why loyalty to your provider might be costing you more than you think) - The strategy she used to negotiate with her current provider using a competing offer - Why calling the cancellation department is a completely different experience than calling regular customer service - New Canadian regulations around cell phone switching that are worth knowing before you call - A realistic time breakdown: how much effort this actually takes versus what you can save This one is equal parts relatable rant and genuinely useful strategy. If you've been putting off this conversation because it feels like too much, this episode might just give you the push you need. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Getting a pre-approval feels like a green light to sign on the dotted line. But the bank's math and the math of your actual life are two very different things. In this episode, Sherry and Val dig into one of the most common money traps out there: getting approved or pre-approved for a mortgage, car loan, or any big purchase and assuming that approval means you can actually afford it. Because the bank doesn't factor in your whole life, and buying at the top of your approval can quietly spiral into something that's really hard to get out of. They also get into the ADHD side of big financial decisions: the impulsivity, the difficulty imagining future you, and the urgency tactics that salespeople use to get you to sign before you've had time to think. Plus: the difference between a budget and cash flow, what a proper vibe check looks like before any big commitment, and a practical way to test whether a new payment actually fits your life before locking it in. Just because you're approved doesn't mean you should say yes. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

What if the thing that finally got your ADHD brain to follow through on your goals wasn't discipline or willpower, it was your own money on the line?!! In this episode, we get into a goal-setting hack that uses real financial stakes to create the urgency and motivation that ADHD brains actually run on. We break down how it works, how to structure it, and how to make it sustainable without turning it into a burden for the people around you. We cover: Why traditional motivation strategies fall flat for ADHD brains How to use money as both the reward and the consequence to drive action What to do with your money when you actually hit your goal (this part matters more than you might think) How gamification, streaks, and friendly competition can work for financial and personal goals Plus, Sherry shared about a group challenge idea that she has been wanting to do for a while and hasn't taken action on yet. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Can you actually manifest more money? Yes, and, there's a catch. In this episode, Sherry and Val dig into one of the most misunderstood concepts in the personal finance space: manifestation. They believe in the woo woo. They also believe you need a plan. And they're here to tell you why one without the other just doesn't work. What you'll hear in this episode: Why belief alone won't move the needle on your finances What it actually looks like when mindset and action work together The sneaky way avoidance mode blocks abundance from coming in How small financial actions build the belief that bigger things are possible What it means to give your money a job (and why that matters more than you think) Whether you're all in on manifestation or more of a show-me-the-spreadsheet person, this episode will meet you where you're at and give you something to work with. Connect with us: Book a free call with Val (financial planner): ⁠https://calendly.com/valerie-stratford⁠ Book a free call with Sherry (financial coach): ⁠https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393⁠ Val's Instagram: ⁠http://www.instagram.com/you.me.and.money⁠ Sherry's Instagram: ⁠http://www.instagram.com/moneymindsetfc⁠ Podcast Instagram: ⁠http://www.instagram.com/mind.money.adhd.podcast⁠ Sherry's TikTok: ⁠https://www.tiktok.com/@moneymindsetcoaching

You've got a beautiful budget. You downloaded all your transactions, colour-coded everything, and made a plan. And then what? It sits in a folder on your computer with the other 12 budget spreadsheets you've made over the years. There's a massive gap between making a budget and actually living by it. Sherry and Val break down what's missing and why most budgets fail the moment real life happens. Bad news: you need more than a pretty spreadsheet. We talk about the number one question your budget should be able to answer before you spend money, why tracking every transaction won't save you, and the account setup that makes overspending way harder. Plus, what to do when the dopamine wears off, and you stop caring about your budget categories. If you've ever wondered why you keep making budgets that go nowhere, this episode walks you through what actually works for ADHD brains. Less tracking, more structure. Less shame, more systems. ADHD Money Starter Kit: https://landing.mailerlite.com/webforms/landing/g9v9u3 Connect with us:Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Am I the asshole for wanting financial privacy? Sherry and Val break down this Reddit AITA story and explore the gray area between parental concern and financial control. Yes, technically you're an adult. But mom's probably coming from a place of wanting to help, even if it's rolling out in the worst possible way. We talk about why going through transactions line by line creates shame and resentment instead of trust, how to have the boundary conversation without yelling, and why mom might be dealing with her own money trauma or insecurity. This episode covers setting firm financial boundaries while living at home, why mom might be freaking out about your spending even when you're doing fine, the secret bank account strategy if things get really bad, and how to shift the conversation from berating to support. We also dig into why this kind of control accelerates the timeline for moving out and damages the relationship long term. Not the asshole. But both sides need to talk about why this is happening and what boundaries look like going forward. Connect with us:Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

If you love what you do, how can you justify charging real money for it? If it feels easy to you, shouldn't it cost less? Nope, not at all! Sherry and Val break down why ADHD entrepreneurs, especially women, wildly undercharge for their services. We talk about the thought patterns that keep pricing low: "I love to do it so it feels weird to charge," "It feels easy to me so how can I justify this price," and the absolute kicker, offering friends and family discounts before they even ask. This episode covers knowing your numbers before you go full time, why you need to stop thinking hourly and shift to value based pricing, the 30 percent tax rule that saves your future self from panic, and why, if you haven't increased prices in the last 12 months, this is your sign. We also get into the incremental price increase strategy that builds confidence without the leap, how investment level impacts client results, and what to do when pricing feels emotionally charged. Whether you're starting out or you've been in business for years, double your prices. Seriously. You're an expert even when it feels easy. Price accordingly. Connect with us:Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Some days you knock 12 things off your to-do list. The next day? You can barely get off the couch. ADHD gets called a superpower a lot, but that framing misses the whole other side of the coin.Sherry and Val talk about the polarising nature of the superpower narrative. Yes, there are areas where ADHD feels like a strength: hyper-focus as intensity, connecting dots others miss, wide awareness that helps with client relationships and creative problem-solving. But calling it a superpower across the board invalidates the real struggles with executive dysfunction, overstimulation, and the exhaustion that comes from being tuned into everything all the time.We explore why the superpower language can create more shame around the things ADHD makes harder, why perfectionism and overworking often show up as compensation, and what it means to honour both the strengths and the challenges without forcing either into a neat little box.Whether you see ADHD as 22% superpower or something else entirely, this conversation digs into what it actually feels like to live with ADHD when the world expects you to fly but you have no control over when or where it happens.Connect with us:Book a free call with Val (financial planner): https://calendly.com/valerie-stratfordBook a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393Val's Instagram: http://www.instagram.com/you.me.and.moneySherry's Instagram: http://www.instagram.com/moneymindsetfcPodcast Instagram: http://www.instagram.com/mind.money.adhd.podcastSherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

You're getting the massage, taking the vacation, doing all the self care things. But underneath, you're still thinking about how this rest will help you do more for other people. That's mission first, and it's burning you out. Julie Barker joins Sherry to talk about the shift from mission first to joy first living. We explore why people in helping professions and those with ADHD often struggle with selfless service programming, why self care doesn't work when it comes from obligation, and what it means to build an 80% joy driven life. Julie shares her Joy First Protocol, the difference between sacred actions and to do lists, and how shifting from time management to energy management changes everything. We talk about North Star goals that prioritize joy while still achieving business income targets, why agile matters more than flexible, and how to trust yourself when your brain has spent years telling you you're not enough. Learn more about Julie: Website: https://juliebarkerclinicaltherapy.com/about/ Book mentioned in this episode: https://www.orenjaysofer.com/your-heart Connect with us:Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

Sherry lost her credit card two weeks ago. Is she worried? Not even a little, and she shares exactly why in this episode. This episode is about what happens when you're tuned out with your money, not from a place of shame, but from a place of how you can shift things a little to save you money and make your life easier. The costs of not looking at your statements can add up fast. From subscriptions you forgot to cancel that have been auto-renewing for three years, to fraud charges you never caught, and so much more. We talk about why ADHD makes it so easy to avoid statements, the shame that builds when you haven't looked in months, and the simple five-minute weekly habit that catches all of this before it costs you. Whether you've been avoiding your credit card for six months or you're trying to categorize 12 months of transactions and burning out, this episode offers a lower-the-bar approach that actually works when the novelty wears off. Connect with us: Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val’s Instagram: http://www.instagram.com/you.me.and.money Sherry’s Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry’s TikTok: https://www.tiktok.com/@moneymindsetcoaching

Some days you're on fire. You knock everything off your to-do list and half the things for tomorrow. The next day? Same list. Completely different energy. In this episode, Sherry and Val talk about the productivity cycles ADHD entrepreneurs experience and why working with your energy instead of against it changes everything. They cover what to do on the low energy days, how to stop raising the bar every time you have a good day, and why celebrating wins matters more than you think. If you've ever felt like a sloth the day after crushing your to-do list, this episode will help you make sense of the pattern. Connect with us:Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching

You put money in your RRSP because you hear that you you should, but don't fully understand how it impacts your taxes today and in the future. Is it even the best option for you and your future? In this episode, Sherry and Val break down why RRSPs may or may not be the best option for you. They talk about the traps people fall into, when RRSPs actually make sense, and the one thing you need to check right now to make sure your retirement money is actually growing. If you've been putting money into an RRSP without really understanding what you signed up for, or if you've been told to hate them but aren't sure why, this episode will clear it up. Connect with us:Book a free call with Val (financial planner): https://calendly.com/valerie-stratford Book a free call with Sherry (financial coach): https://app.acuityscheduling.com/schedule.php?owner=17480698&appointmentType=25737393 Val's Instagram: http://www.instagram.com/you.me.and.money Sherry's Instagram: http://www.instagram.com/moneymindsetfc Podcast Instagram: http://www.instagram.com/mind.money.adhd.podcast Sherry's TikTok: https://www.tiktok.com/@moneymindsetcoaching