a different way to look at money problems
June 22, 2026
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Avraham Byers helps people spend properly… and saves them a lot. — Rabbi Joey Haber
Avraham Byers's style
💙 Warm 💡 Solution-oriented 🌎 Holistic 🙏 SpiritualWhy Avraham Byers chose to be in the helping profession
You make good money. And still, somehow, you're not where you think you should be.
The income is there, but you feel behind. You keep meaning to sit down and sort it out, and that day never comes.
Here's what fifteen years of this work taught me: it's almost never a willpower problem, and it's not a math problem. More money was supposed to fix it. It didn't — because more money never touches the thing underneath that keeps pulling you back into the same patterns.
I know because I lived it. I spent ten years as a financial advisor, trained to manage everyone's money but my own. What finally changed things wasn't a better spreadsheet. It was facing patterns I'd carried since I was ten. Once I did, the numbers fell into place. They always do.
Later I wrote the book I wish someone had handed me back then — Your Magic Number.
You're not lazy, and you're not incapable. Nobody ever taught you. That isn't your fault — and it can change.
Let's start with a free 45-minute call.
— Avraham
Avraham Byers's approach
Here's how the work goes.
First, clarity. We put everything on the table — the cards, the spending, the conversations you've avoided — and trace the patterns back to where they started. A pattern you can see is one you can change. A pattern you can't see keeps running your finances behind your back.
Most people think they have a money problem. Usually it's a pattern problem.
Then, control. We build the system — not a generic budget you'll forget in two weeks, but one shaped to your life and the way your mind actually works. The goal isn't to hold a system together by force. It's to build one that holds you.
I've found financial control is about 20% spreadsheets and 80% the person using them. So we work the outer tools and the inner ones — the fear, the avoidance, the inherited beliefs. You need both, or it doesn't last.
You won't do it alone. The real work happens between sessions, where old patterns show up — and when something doesn't get done, we look at what got in the way instead of just pushing harder. That accountability is usually the missing piece. We meet every other week.
About half my clients are couples. There, the fight is rarely about the numbers — it's about what they represent: trust, control, fear.
Let's talk.
What you can expect from sessions with Avraham Byers
You might be wondering:
Why do we always feel broke when we make so much?
Why didn't more money fix this?
How do people who earn less seem to have more left over at the end of the month?
Why does opening a statement feel like such a big deal?
Why do we keep having the same fight about money?
We go straight at those — not around the edges, and not with generic advice. Most people spend years solving the visible problem while missing the thing driving it.
You don't need to walk in with answers. Just show up willing to look honestly at what's there. You'll leave each session with one or two concrete steps — not a pile of homework, just the next right move.
And then it shifts. First clarity: you understand what's been going on, and why. Then confidence: you know what to do, and you trust yourself to do it. Calm comes last — the shame loosens, the avoidance fades, the noise around money quiets down. But it comes.
When you're ready, the first step is a free 45-minute call.
Avraham Byers's experience working with the Jewish community
You don't have to explain Pesach to me. Or tuition. Or why a chasanah in Lakewood isn't the same as a chasanah in London — and why one Lakewood chasanah isn't even the same as the next.
Frum life is expensive, and I won't pretend otherwise. Tuition, simchas, camp, Yom Tov, housing — these aren't theoretical line items. They shape financial decisions in ways people outside the community don't always see.
But cost is only part of the story. When money feels overwhelming, it's easy to assume the problem is just that expenses are too high. Sometimes that's true. More often, something else is running underneath.
So I won't tell you what you should or shouldn't spend money on. That's not my job. My job is to help you see what's driving the spending, what's creating the stress, and what can actually change.
Fifteen years of this work has taken me into homes from Toronto to Tel Aviv, Boro Park to London, Lakewood to Johannesburg. The customs and the price tags vary. The patterns underneath barely do.
The communities look different. The patterns rarely do.
The first step is a free 45-minute call. Just a real conversation.
Avraham Byers's Book Recommendation Zone
- Your Magic Number
My own book. The daily-number system that replaces budgeting — one number, three rules, no dread. - Your New Money Story
The unconscious script driving your money decisions, and how to rewrite it. For when "just budget better" has stopped working. - The Wealthy Barber
The classic personal finance parable. If you've never read a money book, start here.
Approaches
Concerns
15 years in practice
Degrees
- B.S. by Touro College 2008
- Dpl.B by Sheridan College 2002
Awards
- Nathan Winograd Award by Seth Godin's altMBA 2018
Certificates
- CSC by Canadian Securities Institute 2010
- LLQP by Seneca College 2009
Trainings
- Co-Active Coaching: Fundamentals by Co-Active Training Institute 2024
- Co-Active Coaching: Fulfillment by Co-Active Training Institute 2025
Average costs per session
$325 - $875
Payment Methods
- Free consultation
- Credit Card
What people have to say about working with me:
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Working with Avraham Byers has been truly life-changing. He has a great mix of sharp insight and a sense of humor that makes every session feel both meaningful and easy to engage with. He’s confident, clear, and always kind. Our sessions have helped me go far beyond just managing my money. For the first time, I can truly see the full picture of my finances. Thanks to his guidance, I’ve not only regained control but also begun a true financial recovery. What I appreciate most is how Avraham makes things simple and practical. He doesn’t just give advice—he teaches tools I can actually use to make lasting changes. I wholeheartedly recommend Avraham to anyone seeking not only to improve their financial situation but to transform their entire relationship with money.
NP
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I am a huge fan of Avraham’s approach: approachable, warm, and easy to dig in with. He taught me stuff that I was never taught as a kid, and I felt like I could finally get clear on questions I wasn’t able to answer for many years with standard financial tools. I am still happily using the systems he and I set up 2 full years later. Literally, nothing else has worked nearly as well. Totally recommend working with him to upgrade and destress your life.
AKS
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Throughout our sessions, Avraham consistently demonstrated patience, empathy, and expertise. He made complex financial concepts easy to understand and provided practical, actionable steps that I could implement immediately. His dedication to my progress and well-being was truly inspiring. I wholeheartedly recommend Avraham as a financial coach to anyone looking to strengthen their financial stability and confidence. Thank you again, Avraham, for your unwavering support and dedication. You have made a significant impact on my life, and I am deeply grateful.
KMH
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Avraham offers a no-nonsense approach to finances for high-income earners and I highly recommend his services. I hired him about 15 years ago and his advice helped ground me and take control of my personal finances. Despite being in the financial world and having my certification as a CFP, it’s always a case of ‘the shoemaker’s children’ that kept me from putting order in my own life. Avraham’s advice has been instrumental in helping me reduce personal debt as well as successfully plan for the finances of marrying off children. Check out his services – you only stand to gain!
MK
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I was a client for a year with Avraham and I can confidently say that it was one of the best things I have ever done for my finances, and in many ways my life. He really took the time to teach me and guide me through the process of strengthening my financial situation. He was patient and kind, humorous and knowledgeable and I couldn’t have asked for a better person to help me. To date, I have made great strides in both my financial outlook and my consciousness about how I handle my money. I definitely had a financial breakthrough working with Avraham and I would highly recommend him to anyone who is looking to achieve the same.
JL
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Avraham not only brings smarts and competence - he also engages with genuine warmth and care. He is able to simplify complex ideas and knows how to guide effectively.
Anonymous Verified
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Avraham is like a financial therapist. My understanding of myself, and how I relate to money has changed drastically for the better since working with him. Not only can my bank account breathe a sigh of relief that things are under control, but my shalom bayis can as well.
MK - Yerushalayim Verified
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Avraham is a kind, wise, talented, funny and caring human, who also happens to be incredible at helping anyone find ease in approaching their finances. Within the first few months of working together, I noticed an enormous difference in my approach to my finances - for the first time in my life I actually looked forward to doing my numbers and getting clarity. I started to see patterns of spending, learning what to expect with certain areas and got clear where I wanted to build space for the future. When shame spirals would take over, Avraham was there with understanding, empathy and support. Some days I couldn't talk finances and needed to share about life, he was there for it. Other days I was ready to dive in and build more for my future, he was there for it. Beyond anything, Avraham's approach and skill helped these changes ripple out into every other area of my life. He understands that the root of money issues isn't money, it's often deep wounds that hold us back. He is so skilled at helping you gently see what they might be and offers manageable practical steps to shift out of it, collaborating with you to find fun steps that'll work for you. Thanks to our work so far I have been able to see tangible proof of my own personal and professional growth, as well as seeing where old "not enough" beliefs led to over giving and over spending on others. I'm confident and clear more than ever before and my life has evolved in the best ways thanks to our work together. If there is anything around money or finances that you find stressful, challenging, and/or overwhelming this is the person you want to work with today! I cannot recommend working with Avraham enough. He gets results in ways that work for you - he's not offering a formula, selling products or trying to convince you of anything. He's a true collaborator looking to help you find your sweet spot and flow. If you're still not sure, have a chat with him and see, I can guarantee you won't regret it.
SS - Hawaii Verified
Content from Avraham Byers, Financial Coach
June 22, 2026
What if your money problems aren't the problem? What if they're the signal? A different way to look at the stress, the fights, and the avoidance.
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