Many of us remember standing in our cap and gown excited to step into the freedom of adulthood. We were going to do what we wanted, when we wanted. But somewhere along the way money started calling the shots. Increasing costs. Higher job demands. Delaying vacations. Longing, once again, for that freedom that’s seems to be held hostage in our 401k balance.

We’re trying to do all the “right” things… but, feeling stuck wondering how do it all or if the money is really worth it. All while life and financial demands keep competing for our attention.

I get it, and that’s why I built WyoU differently. The goal isn’t just building wealth, it’s building freedom and security— the kind that comes from understanding what your money is doing, where you’re headed, and how to adjust when life shifts.

Whether you’re just starting out, in your peak earning years, or preparing for retirement, the core question doesn’t change: How do I fund this, and still move forward?

That’s where this work meets YOU.

At WyoU Financial Strategies, it’s all about 

Y-O-U

The Life You Want Today

The Life You Want Tomorrow

What I Help with

Everyday Money guidance — Not just someday projections on paper

Most financial plans are built on theory, telling you what you should do without showing you how to fund it with the dollars you actually have.

At WyoU, we start with your real cash flow. We build clarity around how your income moves, what your priorities require, and what trade-offs are in front of you, so you can fund your life today while still building toward what’s next.

This work bridges the gap between a static planning and real life, helping you navigate daily spending, prioritize goals, adjust when curveballs hit, and move forward with intention, without pressure to buy products, move assets, or chase someone else’s version of success.

Everyone’s situation is unique. If you see yourself below, this work was built for you. Let’s talk.

Live the life you want

Jessica Pratt

Founder, Personal Finance Coach

Ph: 406-939-3254

Email: jessica.pratt@wyoufinancial.com

  • Teens/Young Adults and Money

    Entering Adulthood/Career Starters

    First real paycheck, zero real plan? Let's build a foundation.

    Start maximizing your paychecks and build positive money habits while learning to plan for goals and manage your spending. Learn about strategies that will help you prepare yourself for what lies ahead like managing student debt, saving, credit building, and investing.

  • Mid-life financial planning Variable Income

    Mid-life with Variable Income

    Chaos to Clarity: Balancing Today + Tomorrow

    Peak earning years often come with peak financial demands.
    Kids. Debt. Investing. Competing priorities.
    Add fluctuating income — and planning gets even harder.

    Build a plan that fits your life and a process that fits your pace, reducing decision fatigue, bringing clarity to your cash flow, and helping you confidently navigate whatever life throws at you.

  • Financial Independence

    Financial Independence

    Driven Toward FI

    You’ve got grit and a dream. Now you want to know:
    Is this enough?
    What’s the smartest move next?

    Turn effort into strategy, aligning your assets, income, and goals so you can accelerate progress and make work optional on your terms.

  • Retirement Planning

    Pre-retirees

    Maximizing What You’ve Built

    You’ve spent years accumulating assets, and now the paycheck clock is running out of time.

    Is it enough? How do you use what you’ve built to fund the years ahead with confidence?

    Create clarity around your income sources, timelines, and trade-offs so you can maximize the paychecks you have left and transition into retirement with more confidence.

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