helps the client deal with struggles to attain specific financial goals and other personal goals. The financial coach is distinguished from financial counselors and educators, financial coaches. Coaches are not experts in personal finance and do not give financial advice or information to clients. Financial coaching encourages and supports reaching financial plans. This includes dealing with obstacles to successful behavior change such as procrastination, focusing on short-term gains that compromise long-term benefits. The coach monitors the client's progress to promote accountability. Monitoring improves the individual's self-control and willpower. The client is more prone to follow when monitored by the coach versus only self-monitoring.