Meet Mr. & Mrs. Rich

Hey! We’re James and Amberlee Rich! We’re professional money coaches who love Jesus. We’ve been married for fifteen years and have two amazing kids that we homeschool. We absolutely love that we’ve been able to coach couples and individuals with their finances for over 18 years.

It’s a huge bonus that we get to work together. There are very few husband and wife teams who help people with their finances. Our hope is that we can provide a fresh take on money showing both sides and perspectives.

Steward Lab was birthed from our love of helping others see transformation, hope, and joy with their finances. We are all stewarding God’s resources, and we want to equip people to steward those resources well.

We’ve been coaching clients 1-on-1 for almost two decades and many of them are pastors. We kept hearing the need for a personal finance program that is biblical and loving without adding shame or guilt. We’ve created Steward Lab to meet that need.

We’re passionate about helping Christians live the life God has called them to live without finances getting in the way.

Can you imagine what the people of God could be freed up to do if they weren’t living paycheck to paycheck, drowning in debt, too busy, not able to retire, and the list goes on? Christians would be able to go on more mission trips, give when they see a need, serve in and outside of the church, and so on. Our dream is to help Christians live into that reality.

Our own story…

We had many years when we were DINKs (double income no kids) where we were able to make major headway in our financial goals. Then once we became parents, our finances kinda tanked. James lost his job at a start-up, we were in a bad car accident, we moved, Amberlee became a stay-at-home mom, and a myriad of other circumstances brought unexpected challenges.

Instead of reaching our financial goals, we were barely scraping by. Looking at our money situation was depressing and easier to just avoid. We knew this was a season, but the season seemed to never end.

One day…

…while we were sitting in our $200 hot tub, we started dreaming up what our ideal life and future would look like if anything was possible. That dream life sounded awesome, but it wasn’t close to our current reality. We realized that lack of money was the main roadblock standing in our way. Looking back, the signs were obvious!

God opened doors in unreal ways once we had that dream-session. A new higher paying job fell into our laps the very next day. We gained momentum and started paying off the debt we had, our home. Our goal was to pay off our home in a year and officially say goodbye to debt.

At first…

…we didn’t tell anyone about our plan, it was safer. If we didn’t reach it, no one would know.

We knew that many people want to pay off debt too, so why not invite others to join us? We had the idea to create the Debt Dump Challenge. It was a year-long financial challenge to coach and help other families pay down their debt while we paid off ours. Over sixty families joined, and at the end of our challenge over $500,000 of debt was paid off, including our home!

Looking back, that impromptu hot tub dream session changed our lives. We talked about wanting to work together, have more quality family time, have a flexible work schedule, and travel as a family. It sparked a fire inside of us and gave us a vision of what we wanted our life to look like.

After we paid off our home in July of 2019, we were able to make some major shifts in our life. James was able to quit his job, so we could work together. We were able to go through training, get certified, and start our own financial coaching business.

We’ve been able to take risks, spend our time on what is important to us, and do work that really matters to us. We homeschool our kids and have the flexibility to travel and have more family time.

We’re currently living into that dream we had years ago in the hot tub. It has taken effort, intention, prayer, and faith to turn those dreams into reality.

It’s nice to be able to say that we are 100% debt-free, but it’s even better to be able to live the life we really want.

Whatever your dream is, dream bigger than a title. What kind of life do you want to have? You don’t have to wait until you reach your goals to enjoy your life. We truly believe that you can live a rich life on less as you’re on your journey of reaching your financial goals.

We want to give you hope that you can experience financial freedom no matter what your financial situation looks like right now.

The financial story you are currently living can have a different ending. Our goal is to help you experience transformation, because when you get your finances in alignment, the rest of your life falls into place.