Taking Control is a Decision — Not a Salary.
Founding cohort now enrolling — 10 spots

Make your money
work harder than you do.

A 90-day coaching program for high-earning professionals tired of living paycheck to paycheck. Eliminate debt, build credit, and start investing — with a proven roadmap that works in any economy.

90
Day roadmap
$5K+
In tools included
1:1
Weekly coaching
Sam Joher, founder of Smith & Devane Consulting
Your coach
Sam Joher
Founder, Smith & Devane Consulting
If this sounds familiar

You earn well. So why does it never feel like enough?

A six-figure salary doesn't shield you from financial stress. You're not broken — you've just never been handed the playbook.

Buried by debt

Credit card statements keep climbing. Each payment just buys another month of the same cycle.

Drowning in advice

Every YouTube guru contradicts the last. You're paralyzed instead of moving forward.

Afraid to invest

Markets feel unstable. You don't want to risk what little you've managed to save.

Sam Joher
Meet your coach

I've sat exactly where you're sitting.

Years ago, my paychecks were bigger than I ever imagined — and I was still one emergency away from disaster. Credit cards maxed out. Savings empty. Every dollar spoken for before it arrived.

The advice online didn't help. It contradicted itself, oversimplified everything, and never spoke to the reality of being a busy professional.

So I built the system I wished I had. A clear, values-based roadmap that works in any economy. Today, I coach professionals through the exact 90-day path that changed my life.

— Sam Joher
The program

The 90-Day Debt-Free Wealth Accelerator

A proven roadmap built on timeless principles — designed specifically for high-earning professionals with no time to waste.

  • Break free from the paycheck-to-paycheck loop for good
  • Invest with confidence — without gambling your future
  • Build a sustainable plan that aligns with your values
01

Mindset Shifts

Rewire the beliefs keeping you stuck in scarcity and reaction.

02

Debt Elimination

A clear order-of-operations to crush balances without sacrificing your life.

03

Credit Building

Optimize your profile so capital flows toward you, not away from you.

04

Beginner Investing

Start growing wealth — confidently — even in an unstable economy.

What's included

Everything you need. Nothing you don't.

90-Day Coaching Experience

Weekly strategy sessions tailored to your specific situation, goals, and timeline.

Personalized Debt Audit

We assess your full financial picture and build an actionable, step-by-step plan.

Wealth Accelerator System

Full access to the tools, templates, and frameworks valued at over $5,000.

Plus four founding-member bonuses

1:1 Welcome Clarity Call

Build your customized debt-payoff and investment starter plan in your first week.

Private Wealth Workbook

A tangible roadmap with daily and weekly actions to keep you on track.

Lifetime Community Access

Ongoing support and accountability from a private network of peers and mentors.

Faith & Finances Workshops

A mini-series aligning your wealth-building strategy with your personal values.

Believing in yourself is the first secret to success.

Take responsibility for your own happiness.

Limited founding-member offer

Founding seat:
$1,499.99$5,000

Only 10 spots available at this rate. Once they're claimed, the price returns to $5,000 — for good.

  • 12 weekly 1:1 coaching sessions with Sam
  • Full Wealth Accelerator System ($5,000+ value)
  • Personalized debt audit & investment starter plan
  • Lifetime community + Faith & Finances workshops
Reserve your seat
Claim founding pricing

Start with a no-pressure clarity call. If it's not a fit, you walk away with a custom action plan anyway.

Book My Clarity Call Book a 1:1 ($250/hr)

Don't miss your chance to transform your financial future.

Who this is for

If you're earning well but still feel stuck — this is for you.

The Accelerator was built for ambitious professionals who refuse to let another year disappear with nothing to show for it.

  • High-earning professionals feeling stuck despite a great income
  • Doctors, engineers, lawyers, and execs tired of paycheck-to-paycheck
  • People who've tried budgeting apps and credit counselors with no real result
  • Busy professionals who want a coach — not another course collecting dust
Testimonials

What people say about working with Sam

Real words from clients whose lives, businesses, and finances shifted after working together.

Sam impressed me with her capability and dedication, positive attitude, and sincerity. Sam, I am so grateful for your insightful laser coaching. You were very perceptive, on the mark, and kind with what I needed to change and do to move forward with my life. My time with you has been well spent.
Frank
Smith & Devane Consulting is a game changer — and I've been working on myself and my structure for a decade. One breakthrough I got from this day is going to be worth $750K in new income over the next 12 months. I don't know of any other ONE thing that can give a person so much focus, clarity, and structure to live a perfect life and have a perfect business. I am really happy that it turned out way better.
Alex Miller
Sam is one of the top motivation and life trainers in the world. I made the right decision at the right time. I am glad that he helped me through all the problems I was facing and helped me find the solution. Thank you loads.
Larry
You can sit back feeling helpless as the weeks, months, and years continue to pass you by while nothing changes… or you can get Sam's help to put the future of your family, health, wealth, and happiness back into your own hands. It's going to change your life.
Flavia Gonzalez
Deciding to get a life coach was one of the best decisions I have made. The solutions Sam offers at Smith & Devane Consulting are things that stick with you for the rest of your life and continue to help me progress. For this reason I would say it was one of the best financial investments someone could make to put them on the path to success. I am very grateful to Sam and all the work he has done to help me.
Caroline
Sam provided exceptional insights into the problems I was facing. His relaxed demeanor and friendly but motivated attitude was the encouragement I needed to make important decisions for myself. Being a financial advisor, he was able to tailor his service to me as an individual and construct personalized plans within reasonable and attainable practice, so I left feeling hopeful and determined. His professionalism is unsurpassable and everything discussed in our meeting was helpful and useful. Sam is a brilliant guy — I would definitely recommend him to anyone seeking guidance, incentive, or just someone to talk to.
Kaya
I thank this man for all he has done to help us grow. Currently I have been making the appropriate changes I need to make in my life — thanks to Sam I now have a plan to do that accordingly and with more ease. He is a super chill dude, knows what he is doing, and is reliable. Thank you for believing in me and my community to be better and do better. Much love!
Stoned Gilly
I met Sam through my line of work, which is streaming. He has helped me tremendously with improving my game and lifestyle. He is a professional in many aspects of the field including investing, health, and life coaching. Through divine intervention he has guided me down the path of wealth and happiness. Sam stands by his work — with years of experience he can change your life! Knowledge is power and Sam holds the key.
Gwizmayne
I highly recommend Smith & Devane Consulting for anyone who is struggling with the next steps of their business. I was at a stalemate, and was only able to move my business forward in ways that I never knew how until I received their guidance. Sam's guidance and wisdom have been invaluable and my business is stronger because of it. Smith & Devane truly cares about their clients. The format of coaching is efficient for anyone with a busy schedule. They are a valued partner who offers intellect, vision, strategy, action steps — all with encouragement and keeping me accountable to the next steps of my business. Do yourself a favor and give them a call!
asma30
Our Guiding Words
Do more than just exist, create to inspire.
— T.F. Hodge

Existing is showing up to a job, paying the bills, and surviving the week. Creating to inspire is something else — it's choosing to build a life, a family, and a financial future that means something to the people watching you.

This quote is the heartbeat of Smith & Devane Consulting. We aren't here to help you tread water for another decade. We're here to help you take the income you've already earned and turn it into freedom, generosity, and a legacy worth following — so your story becomes the one that pushes someone else to start theirs.

Your next 90 days are happening either way.

Spend them stuck — or spend them building the financial life you actually want.

Claim a Founding Spot