Financial therapist offering free and paid behavioral coaching on debt, overshopping, and couples money issues, founded by Carrie Rattle with 30 years of financial services experience.
Editorially reviewed by Harvey Brooks
Behavioral Cents, LLC is a financial coaching practice founded and led by Carrie Rattle, a Financial Therapist with an MBA and CDFA designation. The company operates as a boutique advisory firm focused on the psychological and behavioral aspects of personal finance rather than transactional financial products. Rattle brings 30 years of experience from the banking and financial services industry, combined with specialized training in financial therapy, couples counseling around money, and compulsive shopping disorders.
The company offers several core services: Debt FREE coaching (debt management and strategy), Stopping Overshopping™ (addressing compulsive shopping behaviors), and Partners in Love & Money (couples financial counseling). They provide expert financial coaching tailored to individual client situations. The firm also offers a free quiz to assess wealth potential, suggesting a freemium model where initial assessment is free but ongoing coaching is fee-based. Services are delivered through one-on-one coaching relationships and appear to include both individual and couples sessions.
Behavioral Cents differentiates itself through founder Carrie Rattle's specialized credentials and training. She completed 18 months of clinical training with Dr. April Benson, PhD, a nationally recognized compulsive shopping specialist, and trained with Olivia Mellan, a critically acclaimed psychotherapist specializing in couples and money dynamics. The company frames financial coaching through a behavioral and therapeutic lens rather than purely technical financial planning. The founder's mission emphasizes financial equity for women and positions money self-care as essential alongside physical and mental health.
The primary limitation is that Behavioral Cents appears to be a solo practitioner or very small firm (the website centers entirely on founder Carrie Rattle), which may limit scalability and accessibility. Pricing for paid services is not disclosed on the website. While the free-help category captures their free initial assessment offering, the core business model relies on paid coaching fees rather than non-profit credit counseling typical of NFCC-certified agencies. Clients seeking completely free ongoing assistance should clarify pricing before engaging.
Yes. Money Coach at Behavioral Cents, LLC is a registered company headquartered in 780 3rd Ave, New York, NY 10017. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Behavioral Cents is best for individuals and couples seeking therapeutic, psychology-informed financial coaching rather than transactional financial products or free non-profit credit counseling. The main caveat is that this is a paid coaching service (after free initial assessment) from a solo practitioner, so availability may be limited and costs are not publicly disclosed—clients should confirm pricing and availability align with their needs before committing.
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