I’ve been working with Joy from J & N, and she’s been so pleasant to work with. I asked for a free consultation and explained what my needs are – financial management and coaching, and paying off debt. It’s been about 3 months and I’ve paid off $4,000 in debt with my current income. I didn’t realize how much money I was spending on unnecessary things, but Joy and the team have opened my eyes to how rewarding budgeting and money management can be. I’m looking forward to my financial future, and I’m certainly keeping J & N to help me achieve financial independence and wealth!