A simple money planner for people who are tired of avoiding their finances.
If your money feels scattered across bank accounts, credit cards, sticky notes, random spreadsheets, and mental to-do lists, you're not alone. Most people don't have a money problem—they have a visibility problem.
My Financial BFF was created to help you see everything in one place.
This is the exact system I used while paying off more than $150,000 in debt, organizing multiple businesses, managing household finances, and finally creating a clear picture of where my money was actually going.
No complicated software.
No finance degree required.
No bank syncing.
No judgment.
Just one simple Google Sheets system that helps you pay attention.
Meet my favorite financial sidekick—this magical spreadsheet that helped me pay off over $150K in debt (yep, you read that right). It's not just any spreadsheet; it's a system that keeps things simple, clear, and totally doable, even if you're not a numbers person.
I have used every single app, website, budgeting tool and journal over the years and nothing worked. I decided to “pay attention” and try it manually. Voila. It worked.
A simple money planner for people who are tired of avoiding their finances.
If your money feels scattered across bank accounts, credit cards, sticky notes, random spreadsheets, and mental to-do lists, you're not alone. Most people don't have a money problem—they have a visibility problem.
My Financial BFF was created to help you see everything in one place.
This is the exact system I used while paying off more than $150,000 in debt, organizing multiple businesses, managing household finances, and finally creating a clear picture of where my money was actually going.
No complicated software.
No finance degree required.
No bank syncing.
No judgment.
Just one simple Google Sheets system that helps you pay attention.
Meet my favorite financial sidekick—this magical spreadsheet that helped me pay off over $150K in debt (yep, you read that right). It's not just any spreadsheet; it's a system that keeps things simple, clear, and totally doable, even if you're not a numbers person.
I have used every single app, website, budgeting tool and journal over the years and nothing worked. I decided to “pay attention” and try it manually. Voila. It worked.
TERMS AND CONDITIONS OF USE
Last Updated: February 28, 2026
These Terms and Conditions of Use govern your access to and use of the website, digital products, curriculum kits, courses, resources, and related materials provided by Katy Ripp Coaching LLC, located in Cross Plains, Wisconsin, referred to as “Company,” “we,” “us,” or “our.”
You may contact us at [email protected].
By purchasing, accessing, or using any of our offerings, you agree to be legally bound by these Terms and Conditions.
If you do not agree with these Terms, you should not purchase or use our offerings.
EDUCATIONAL PURPOSES ONLY
All content, curriculum, workshops, templates, and materials are provided for educational and informational purposes only.
We are not licensed financial advisors, attorneys, therapists, or accountants. Nothing in our offerings constitutes legal, financial, psychological, or professional advice.
You are solely responsible for your decisions, actions, and results.
We make no guarantees regarding business growth, financial outcomes, client results, or revenue generated from use of our materials. Individual results vary based on experience, effort, market conditions, and many other factors outside of our control.
DIGITAL PRODUCTS + INSTANT ACCESS
Many of our offerings are digital products, including but not limited to:
• Workshop kits
• Slide decks
• Canva templates
• Workbooks
• Curriculum blueprints
• Downloadable PDFs
Upon purchase, you receive access to digital materials. Because access is granted immediately, all sales are final unless otherwise stated in writing.
We do not offer refunds for digital products.
If you experience a technical issue accessing your materials, contact us and we will resolve the issue promptly.
INTELLECTUAL PROPERTY
All content is the intellectual property of Katy Ripp Coaching LLC.
This includes but is not limited to:
• Workshop frameworks
• Curriculum structures
• Slide decks
• Workbook content
• Written materials
• Branding
• Copy
• Graphics
Purchase grants you a limited, non transferable license to use the materials in accordance with the product description and any included license agreement.
You may not:
• Resell, redistribute, or sublicense the materials
• Share Canva access links publicly
• Copy, reproduce, or republish the materials as your own
• Teach others how to replicate or license the materials
• Claim authorship of the framework
Unauthorized use constitutes intellectual property infringement and may result in legal action.
COMMERCIAL USE LICENSE
If a product includes a commercial use license, it permits you to deliver the workshop or curriculum to your own clients within your coaching or business practice.
Commercial use does not grant resale rights or redistribution rights.
Each purchase is licensed to one individual or business entity unless otherwise stated.
AGE REQUIREMENT
You must be at least 18 years old to use this website or purchase our offerings.
WEBSITE USE
You agree to use this website lawfully and not for any purpose that could damage, disable, overburden, or impair the website or interfere with any other party’s use.
We make reasonable efforts to maintain website functionality but do not guarantee uninterrupted or error free access.
LIMITATION OF LIABILITY
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from:
• Your use or inability to use our offerings
• Business losses
• Lost profits
• Data loss
• Reliance on any information provided
Our total liability shall not exceed the amount you paid for the product in question.
INDEMNIFICATION
You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses arising from:
• Your misuse of our materials
• Your violation of these Terms
• Your infringement of any third party rights
GOVERNING LAW
These Terms are governed by the laws of the State of Wisconsin, United States.
Any disputes shall be resolved exclusively in the courts of Wisconsin.
SEVERABILITY
If any provision of these Terms is deemed unlawful or unenforceable, the remaining provisions shall remain in full force and effect.
CHANGES TO TERMS
We reserve the right to update these Terms at any time. The updated date at the top of this page reflects the most recent revision.
Continued use of our offerings constitutes acceptance of any modifications.
CONTACT
If you have questions about these Terms, contact: