I’m Allegra Stein

About Me

I help people look at their money so that they can finally stop guessing, start deciding, and feel more in control.

For a lot of thoughtful, capable humans, money is the one part of life that still feels… foggy. The numbers are there, but they’re unclear. The spending keeps happening, but the system behind it? Kind of a mystery. Most people I work with aren’t “bad with money.” They just haven’t had a framework that works for them, one that helps them see what’s happening, make decisions in real time, and feel confident they’re on the right track.

That’s what I help with.

I offer personal budgeting support rooted in zero-based, envelope-style budgeting—using YNAB (You Need a Budget) as our tool. But my work isn’t about the software. It’s about what happens when you start paying attention. When you sit down, look at your money, and ask: “What do I want this to do?”

My Approach

This work always starts with the money you already have.

Not the dream income. Not the next raise. What’s in your account right now, and what does it need to do before more money arrives?

That’s the starting point. From there, we build a cash flow system that reflects your real life, not an idealized spreadsheet version of it. I’ll help you track your spending without shame, make sense of your inflows and outflows, and develop habits that support you over time.

I'm a Certified YNAB Coach and a former member of YNAB’s Seasonal Support team, which means I know the ins and outs of the tool. But more importantly, I understand how emotional this stuff can get. Budgeting isn’t just math. It’s how you relate to your choices, your priorities, and your future.

Who I Work With

Most of my clients are thoughtful, capable people who’ve tried budgeting before and either “failed” or walked away frustrated. Some are going through life transitions: launching a business, navigating divorce, managing an inheritance, switching careers. Others just want to stop feeling so scattered and reactive when it comes to money.

What they all have in common is a desire to feel clear, calm, and confident with their financial decisions.

Next Steps

If you're ready to stop avoiding your money and start working with it—gently, clearly, and with real support—head here to learn about working with me, or reach out and we’ll talk.