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“We are so grateful that Chuck was recommended to us! He made the heavy weight and stress of our financial situation after having a baby and losing one income much more manageable. We feel more knowledgeable and confident in the steps we need to take right now and how to better plan for our family’s future. Thank you, Chuck!

“Charles Mitchell did an outstanding job helping me create both short-term and long-term financial plans. His insights gave me a fresh perspective and brought attention to things I hadn’t considered. What I appreciated most was that he never tried to sell me a product — his focus was entirely on helping. I couldn’t be happier with the experience!

The best gift for 2025 graduates is the gift of personal financial education. Remember when you started your career? What did you do with that first paycheck? Did you purchase a new car, take a vacation, buy a new set of golf clubs or maybe a hip downtown condo? Now imagine, if you kept that junker car and your roommate for a few more years, made double payments on your student loans, used only cash

What is the difference between an Emergency and a Survival Fund? And do you need both? An Emergency Fund is cash specifically saved for unplanned events considered an “emergency.” Examples: Your car needs a new transmission to drive to work in downtown Austin; your HVAC breaks down in Austin’s August heat or your refrigerator dies on Thanksgiving Day right before the in-laws arrive. This cash should be quickly available and will keep you out of

“Chuck was extremely helpful.

“I cannot recommend Charles enough! I’m so glad I gave myself this experience. Before today, my finances felt overwhelming and disorganized. After meeting with Charles, I have a clear understanding of my financial situation and a set of practical, approachable tools that make managing my money feel achievable. He’s also very personable and just a fun person to talk to… four hours FLEW by. If you’re looking for someone to help you gain confidence and

“Meeting with Chuck is an incredibly valuable use of your time! I was really confused by my finances and what I needed to do to be prepared for retirement. He helped me go through all my accounts and figure things out. We’ve made a sound plan for moving forward, and a weight has been lifted off my chest. If you’re unsure about your financial situation, then you shouldn’t hesitate to do a session! I look

“Charles is an incredible resource for helping my wife and I achieve our financial goals. He takes the time to truly understand who you are and what’s important to you before getting into the numbers, ensuring that every recommendation is tailored to your needs. His in-depth, detailed approach and clear communication make concepts like navigating finances and planning for the future easy to grasp. I highly recommend his services to anyone looking for trustworthy, expert

Austin’s best, and most affordable, Financial Coach is Capital Budget Strategies LLC. The “other” companies have a secret – they require you to “sign up” for a year or more of financial meetings. That gets really expensive, so you are spending money to organize your own money! Yikes. Our Austin Financial Coach works differently and is way less expensive. We believe once a client actually “sees” his or her current financial situation on paper, they

“The meeting began with learning simple principles that took the anxiety out of understanding my finances. Then Mr. Mitchell patiently guided me to create a monthly budget and savings plan to meet my needs and reach my goals. There was kindness, humor, encouragement, and zero judgment about past choices, debt, or challenges. I felt better immediately and left with a plan.