My Story

Hi, my name is Andy Klimes. For years, I felt stuck with money. I had good jobs, decent salaries, and yet—I was still living paycheck to paycheck. No matter how hard I worked, I couldn’t seem to get ahead.

When I finally sat down and looked closely at my finances, I realized I was missing three big things:

• Cash Flow (your financial heartbeat): I knew what was coming in, but I wasn’t tracking where it was going. I needed a budget.

• Net Worth (your financial strength): If a big emergency came up, I wasn’t ready. For what I had made, I didn’t have much to show.

• Debt-to-Income Ratio (your financial BMI): I could qualify for loans, but that didn’t mean I was financially healthy. Lenders cared about getting their money back—not whether I could afford my life.

Here’s the kicker: I was college educated, in management, and making a living doing analysis for someone else… but I wasn’t doing that same analysis for myself.

Why I Started Coaching

The truth is, we’re not really taught money management. Schools don’t cover it, parents often don’t talk about it, and money is still “taboo” in a lot of homes. But the reality is—we don’t just pick it up along the way. Someone has to teach it.

That’s why I started CK Financial Coaching. My goal is to help people avoid the same mistakes I made and learn how to build financial fitness that lasts.

My Mission

Just like physical fitness, financial fitness takes more than tools. A gym membership doesn’t get you in shape, and a budgeting app doesn’t automatically make you good with money. What makes the difference is having a coach—someone who can guide you, encourage you, and hold you accountable.

That’s where I come in. I help people:

• Build and stick to a budget

• Strengthen financial resilience

• Manage debt effectively

• Grow long-term wealth

Who I Work With

I’m based in Twin Falls, Idaho, and I offer both local workshops and coaching, as well as online coaching and workshops nationwide.

No matter where you’re starting from, you can get financially fit—and stay that way.

Let’s start building your financial fitness today!