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About Andy

I know this loop
because I lived it.

The 5-Rep Root Cause™ method wasn’t built in a classroom. It was built in the driver’s seat of a Jeep I couldn’t afford.

Andy — CK Financial Coaching

Get in touch

Andy works with employees, business owners, community organizations, and anyone in Magic Valley who recognizes that their financial problems aren’t math problems.

Book a strategy call →

Andy’s story

The math was
never the problem.

I’m Andy — Ramsey Solutions Master Financial Coach and founder of CK Financial Coaching in Twin Falls, Idaho. I built the 5-Rep Root Cause™ method because every framework I encountered treated financial problems as math problems.

They’re not. The spreadsheet can be perfect and the person still fails — because the identity script running underneath hasn’t been retrained. That disconnect is what I set out to fix.

“I know this loop intimately because I lived it behind the wheel of a Jeep I couldn’t afford. At the time, I wasn’t just buying a vehicle; I was trying to fill an emotional void, thinking that if I had the right car, I’d have the right life. Instead, that purchase became an anchor, dragging me into a bad spot for two years. I was treating my money like a series of isolated accidents, blaming the car payment or the insurance instead of looking at the engine of the problem.”

— Andy

That engine is always behavioral. The Jeep wasn’t the problem. The identity script that said “the right things make you worthy” was the problem. Once I found the Rep 5 root — and built a countermeasure there — the behavior changed. The math followed.

That experience is what built the 5-Rep Root Cause™ framework. Every rep, every question, every countermeasure protocol in this system was forged in real behavioral work — mine first, then hundreds of clients across Magic Valley and Southern Idaho.

Credentials & background

Ramsey Solutions Master Financial Coach
BBB Accredited Business — Magic Valley, ID
Serving Twin Falls, Magic Valley & Southern Idaho
Fee-only guidance — no product commissions, no hidden incentives
Specialist in behavioral finance and root cause identification

Core operating principles

Math + Mindset
The numbers matter. But they follow the behavior, not the other way around. We bridge both sides of the gap.
Train the Source
Treating symptoms creates a loop. We find Rep 5 and build the countermeasure there.
System Over Willpower
Willpower is depletable. Automation, sinking funds, and hard rules are not. We build architecture that works when you’re tired.
Local. Accountable.
Based in Twin Falls, serving Magic Valley. Real accountability from someone who understands Idaho’s seasonal economy.
No Hidden Incentives
Fee-only guidance. No product commissions, no referral fees, no financial products to sell.

ROI data

The numbers behind
the method.

8.1hrs
Weekly productivity lost
Per financially stressed employee (PwC, 2024)
6–9mo
Cost to replace an employee
As a % of annual salary (SHRM)
$3:$1
Wellness ROI
Returned for every $1 invested (Financial Finesse)

Ready to find
your Rep 5?

Start with the free diagnostic quiz, or book a strategy call directly with Andy.