The Financial Lifeguard

The Financial Lifeguard

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    Feel like you’re drowning when it comes to finances? Learn about a local financial coach and author who developed resources to help you dive in to a positive relationship with your money.

    Debt, money shame, and embarrassment doesn’t discriminate. It can affect anyone, and Christine Luken knows that all too well. 

    Luken is on a mission to empower others to rescue their financial dignity as the Financial Lifeguard. Luken knows just what it feels like to be drowning in debt. 

    “In my late 20s I hit financial rock bottom despite having an accounting degree,” she explains. “I know what I was supposed to do with money, but I allowed my heart to hijack my wallet. I dated and became engaged to a guy with terrible money habits. He was in and out of jobs (and in and out of jail), but I thought if I loved him enough he would change.”

    And change he did, she says. Change came in the way of getting even worse, and by the time she broke off her engagement she owed multiple payday lenders money, was behind on her car payment, and had ruined her credit score. 

    “It was a long road back to financial health, but I decided to take what I learned the hard way to help others, especially women going through a divorce or break up,” she adds. 

    Now Luken is known as the Financial Lifeguard, is a certified money coach, speaker, and the author of two books: “Money is Emotional: Prevent Your Heart from Hijacking Your Wallet” and “Manage Money Like a Boss: A Financial Guide for Creative Entrepreneurs.”

    Luken also coaches high-earning professionals to rescue their financial dignity by co-creating a personalized Prosperity Plan to reduce debt, increase savings, and direct spending to what’s really important to them. 

    “I specialize in bringing together the emotional and relational aspects of money with sound financial strategy,” she says. “I love working with couples who argue about money as well as divorced women.”

    Through the Financial Lifeguard, you can find a 6-month coaching program for couples and individuals going through emotional money situations who want to find growth in both financial management skills and positive money mindset.

    Luken also offers a more DIY-centered approach to personal finance that includes group training and support through her monthly membership group called Financial Dignity on Demand

    Women who are divorced can also check out Luken’s 30-day online program called Financial Dignity After Divorce. “It helps women regain a positive and peaceful relationship with their money so they thrive financially as they move forward into a new stage of life,” she explains. 

    While financial coaches aren’t a new trend, Luken uses an approach that makes her business unique. “My approach to money is different because I understand that every person has a unique relationship with their money,” she says. “And if it’s not a positive one, they will always struggle financially, even if they increase their income. My approach shows people how to harness the power of their emotions around money to achieve their goals, rather than fighting against them.”

    Luken says that in the next few months, she will be teaching financial planners and other money coaches her formula to understanding and improving clients’ emotional money behaviors for long-term success. “My goal is to multiply the number of professions who will further the Financial Dignity Movement,” she says.

    To learn more about the Financial Lifeguard and how she can help you, visit