About Messy Middle Financial Coaching
Real life. Real money. Real progress.
If you feel like you should be further along financially — but aren’t sure how you got here or what to do next — you’re not alone.
That “messy middle” is exactly where most people live.
Messy Middle Financial Coaching exists to help people move from financial stress and uncertainty to clarity, confidence, and control — without shame, judgment, or complicated financial jargon.
My Background
Hi. I’m Justin Rainey. I’m a financial coach with a passion for helping people understand their money in a way that actually makes sense.
I’ve spent years working with financial tools, retirement plans, investments, benefits, and real-world money decisions. But what I’ve learned is this:
Most people don’t need more information. They need clear guidance, a simple plan, and someone to walk alongside them.
I started Messy Middle Financial Coaching to focus on exactly that — helping everyday people make smart, confident decisions with the money they already have.
My Coaching Style
My approach is:
- No-nonsense
- Common sense
- Easy to understand
This isn’t about fancy strategies or chasing perfect outcomes. It’s about building a solid foundation, one step at a time.
I break complex topics into plain English, help you see what actually matters, and guide you through decisions so you can move forward with confidence — not guesswork.
Who I Work Best With
I specialize in working with two types of clients:
People in the “Messy Middle”
These are people who:
- Make decent money but still feel behind
- Feel stressed or unsure about retirement
- Have debt, competing priorities, or financial blind spots
- Are tired of worrying about money and want a clear plan
Young Adults Getting Started
These are people who:
- Are early in their careers
- Want to build good habits from the start
- Don’t want to wake up one day already in the messy middle
- Want guidance without being talked down to
People work with me because I:
- Make money feel less intimidating
- Explain things without talking down
- Focus on progress, not perfection
- Meet you where you are, not where you “should” be