Irvine, CA · Budget Coaching

Your financial
story isn't over.
Let's redesign it.

Money stress is one of the heaviest things a family can carry. Together we’ll turn that stress into clarity — with a personalized plan, real numbers, and someone genuinely in your corner.

Book Free Session Meet Jorge →
Jorge Alcantar

Jorge Alcantar

Budget Coach · Irvine, CA

Plan the work. Work the plan. Financial clarity isn’t a destination — it’s a skill we build together. Real numbers, real scenarios, and a shared understanding of what matters most to your family.

Budget Coach · Irvine
01

No cookie-cutter plans

Everyone's situation is different. Your plan is built specifically around your life, your goals, and your reality.

02

No judgment. Ever.

We go at your pace and share only what you're comfortable with. This is a safe space to be honest about money.

03

Proven methods, real results

Every strategy is grounded in decades of budgeting research and lived experience — tailored specifically to your situation, not copied from a template.

Jorge Alcantar and family
Jorge Alcantar
Budget Coach · Irvine, CA
About Jorge

A neighbor who's been there — and found the way through

I'm Jorge Alcantar — a husband, dad, neighbor, and budget coach based right here in Irvine.

By day I work in architectural design — a field built entirely around structure, long-term planning, and bringing vision to life. Turns out those same principles apply beautifully to personal finance.

For years, my family carried the quiet weight of financial stress. No real savings, no clear plan. The turning point wasn't a windfall — it was a decision. A real budget we actually built and stuck to. That one change transformed everything.

What drives me isn't the numbers. It's the moment someone sees their full financial picture clearly for the first time and realizes it's not hopeless. That breakthrough moment is why I do this.

También ofrezco consultas en español.

YNAB Expert Debt Strategy Credit Optimization Emergency Fund Planning
Coaching Plans

Two clear paths.
One goal.

Both plans include a personalized debt reduction strategy — because that's exactly why most people reach out. Choose the level of support that fits where you are right now.

Essentials Plan
Get Control
A complete budget system and debt payoff plan — built on proven methods and tailored specifically to your life.
$ 100  / month
Sessions
  • 📅
    Monthly 90-minute deep dive session — online or in person over coffee
  • 📧
    Email support between sessions — no waiting a full month to get unstuck
Budget & Spending
  • 📊
    Full YNAB setup and monthly budget review — every dollar has a job
  • 🔐
    Shared YNAB access — read-only visibility into your budget data so we can analyze and coach from real numbers together
  • ✂️
    Spending audit — find the hidden money you didn't know you had
  • 📋
    Monthly report — clear snapshot of progress, weak spots, and priorities
  • 🎯
    Goal tracking with actionable next steps each month
Debt Reduction
  • 💳
    Personalized debt payoff plan — sequenced in the order that saves you the most money
  • 📉
    Credit card optimization — stop paying interest you don't have to
  • 🚨
    Emergency fund strategy — so debt stops coming back
Start With Essentials
First consultation is always free — no obligation
Transformation Plan · Most Comprehensive
Full Elimination
Maximum accountability, comprehensive reporting, and a data-driven roadmap to becoming completely debt-free.
$ 150  / month
Sessions
  • 📅
    Bi-weekly 60-minute sessions — twice the touchpoints, twice the momentum
  • 📧
    Priority email support between sessions — faster response, deeper guidance
  • 📝
    Monthly written summary — your progress, wins, and next steps in writing
Budget & Spending
  • 🏗️
    Complete budget built from scratch — zero-based, category by category, your way
  • 📊
    Full YNAB setup, monitoring, and bi-weekly recalibration
  • 🔐
    Shared YNAB access — read-only budget visibility for deeper analysis, real-time spending trends, and comprehensive reporting
  • ✂️
    Deep spending audit with specific reduction targets
  • 📋
    Comprehensive monthly report — full analysis of your situation, weaknesses, scenarios, and clear way forward
Debt Elimination
  • 🗺️
    Complete debt elimination roadmap — a written timeline showing exactly when every debt is gone
  • 💰
    Windfall & bonus strategy — every raise, tax return, and bonus accelerates the plan
  • 💳
    Advanced credit card optimization and rewards strategy
  • 🛡️
    Emergency fund + long-term wealth foundation
Start Transformation
First consultation is always free — no obligation
Maintenance · The Graduation Plan
The Tune-Up
For clients who've done the work — and want to protect it.
$ 200 / every 6 months
  • 📊
    Full budget audit — catch any drift before it becomes a problem
  • 📉
    Debt progress review — celebrate wins and adjust what's next
  • 🎯
    Goals reassessment — life changes, your plan should too
  • 🗓️
    90-minute deep session — online or in person over coffee
  • 📝
    Written summary — your recalibrated plan for the next 6 months
  • 🛡️
    Peace of mind — know your financial foundation is still solid
Book a Tune-Up
Available to graduates of any coaching plan. Schedule anytime — no waiting list.
🎓 Already graduated from monthly coaching? The Tune-Up is designed exactly for you — stay protected without the monthly commitment.
💬

Not sure which plan is right for you? Start with the free consultation. We’ll sit down together, look at the full picture, and figure out what makes the most sense for your family — no pressure, just an honest conversation.

How It Works

From overwhelmed
to empowered

Four simple steps from financial stress to a clear, confident plan that actually works.

1

Free Consultation

We meet over coffee or online — an honest, relaxed conversation where we start learning about your situation together.

2

Full Picture

We map your complete financial picture together — income, expenses, debts, and goals all in one clear view.

3

Your Plan

A personalized roadmap we build together — using proven methods, real numbers, and a clear path forward designed for your life.

4

Stay on Track

We stay the course together — adjusting as life changes, learning as we go, and celebrating every win along the way.

Ready to Begin

Your first session
is completely free

No obligation. No judgment. Just an honest conversation where we figure it out together — online or over coffee in Irvine.

Book Your Free Session
Phone (949) 407-9598
Email jorge@bydesignbudgeting.com
Location Irvine, CA
Format Online or In Person
Languages English & Español