Total Alignment Charitable

Total Alignment Charitable At Total Alignment Charitable, we empower individuals & families facing financial hardship through unbiased financial education and financial planning.

We provide free personal finance workshops and 1-on-1 financial planning to those in need.

08/20/2026

Wondering if you qualify for a free financial plan or personal finance workshop? We’re here to support anyone facing tough financial situations, including:

Domestic Violence Survivors: Offering safe, confidential guidance to rebuild.

Unhoused Individuals & Families: Helping you budget for stability and secure housing.

Those with Mental Health Challenges: Providing empathetic, stress-free financial planning.

Individuals with Large Debt: Building a plan to manage and reduce overwhelming debt.

Victims of Natural Disasters: Assisting in rebuilding finances after sudden emergencies.

People Receiving Government Benefits (SNAP, SSI, SSDI, WIC): Tailored support for those navigating aid programs.

S*x Trafficking Survivors: Helping regain financial independence and control.

If you’re not sure whether you fit one of these categories, reach out anyway—our team will do our best to guide you toward the resources you need.

DM us or visit our website for free, judgment-free financial help. You don’t have to face hardship alone!

08/18/2026

Applying for benefits? Don’t let missing paperwork slow you down.

One of the biggest reasons benefit applications get delayed is surprisingly simple: missing documents.

Before you sit down to apply for programs like SNAP, Medicaid, housing assistance, or other benefits, create a folder with:

📌 Photo ID for every adult
📌 Social Security numbers for everyone in your household
📌 Your last 30 days of pay stubs
📌 Your lease or mortgage statement
📌 Current utility bills
📌 Documentation of childcare or medical expenses

A little preparation upfront can save you from weeks of emails, phone calls, and requests for additional information.

Save this post now and use it as your benefits application checklist.

And remember: eligibility rules vary by program and location. Don’t assume you make too much money or won’t qualify. Check first.

Know someone who could use this? Share it with them.

08/14/2026

Simon Sinek said something recently that's been sitting with us:

"You can go after whatever you want. You just cannot deny anyone else to go after whatever they want."

There are two types of people: those focused on what they want, and those focused on what's blocking them from it.

Here's what Total Alignment Charitable really does: we remove the blockers.

Not ambition. Not desire. Access.

Most of the people we work with have always wanted more for their families. They just never had anyone hand them a real plan, explain credit without judgment, or make financial advice feel like it was actually for them.

That's the door we open. Free financial coaching and planning, no barriers to walk through it.

We don't tell anyone what to want. We just make sure nothing's standing in the way.

Did you know that paying just the minimum on a $5,000 credit card balance at 18% interest could take over 20 years to pa...
08/13/2026

Did you know that paying just the minimum on a $5,000 credit card balance at 18% interest could take over 20 years to pay off? That means you’d pay over $6,000 in interest alone—more than the original balance!

Why It Matters:

Minimum Payments Drag It Out: The longer you take to clear the debt, the more you pay in interest.

Better Strategy: Even an extra $20–$50 on top of the minimum can significantly reduce your payoff time and total interest.

Our Mission: At Total Alignment Charitable, we offer free financial counseling and workshops to help you tackle debt faster and more effectively.

Remember: It’s never too late to break the cycle of high interest and overwhelming balances. Share this post to help others avoid the debt trap!

08/12/2026

💡 You may qualify for help you didn’t know was available.

Every year, eligible Americans miss out on government benefits and assistance programs simply because they don’t realize they qualify.

One of the biggest programs to know about is SNAP, the Supplemental Nutrition Assistance Program, which helps eligible households pay for groceries.

And here’s what many people misunderstand about SNAP:

Having a job does NOT automatically disqualify you.

Eligibility depends on several factors, including your household size, income, expenses, and the rules in your state. Certain expenses and deductions can also affect how SNAP calculates your eligibility, including:

• A portion of earned income
• Housing and utility costs
• Dependent care expenses, such as childcare needed to work
• Certain medical expenses for qualifying older adults or people with disabilities
• Legally owed child support payments

Some states also use expanded eligibility rules that can allow households with incomes above the standard federal SNAP threshold to qualify.

SNAP isn’t the only program worth checking.

Depending on your circumstances, you may also qualify for Medicaid, SSI, unemployment benefits, housing assistance, WIC, utility assistance, or other state and local programs. Eligibility varies significantly by program and state.

The lesson: Don’t disqualify yourself before you apply.

If your income has dropped, your household has changed, you lost a job, your housing costs have increased, or you’re simply struggling to make your monthly budget work, check what assistance may be available.

Receiving help you legally qualify for isn’t failing financially. These programs exist to help households cover essential expenses and regain stability.

🔖 SAVE this post for yourself or someone you know.

📲 SHARE it with someone who might assume they “make too much” to qualify.

Financial wellness isn’t just about earning and saving more. It’s also about knowing what resources are available to you.

08/10/2026

🛑 "Do I need a financial coach or a financial planner?"

We hear this question all the time, so let's clear it up. 👇

Here's the truth: you don't need to have it all figured out to get help. And you don't need hours of paperwork, either.

💬 Financial coaching = one focused conversation. 15 or 20 minutes. You bring one money question or worry, budgeting, debt, credit, saving, whatever's keeping you up at night, and you leave with a clear next step. No commitment, no judgment.

📋 Financial planning = the deeper dive. A free 12-week program with a volunteer CFP who looks at your whole financial picture and builds a real roadmap with you, start to finish.

Neither one is "more serious" than the other. They just meet you where you are.

✨ Not sure which one fits? That's normal. A lot of our clients start with a quick coaching session and go from there.

We broke the whole thing down (with a full breakdown of what each session actually looks like) on the blog, link in bio 🔗

Both options: 100% free. Always judgment-free. Always here when you're ready.

👉 Comment PLAN and we'll send you the link to book your free session.

08/05/2026

Impulse purchases, inconsistent income, and the weight of guilt—if you struggle with ADHD, bipolar, or just everyday stress, budgeting can feel impossible. ️

Remember:
1. You’re not “bad” at money, your brain is wired to seek relief, so spending can feel like self-care in the moment.
2. Budgeting is a skill, it takes mental energy, planning, and patience (and that’s OK!).
3️. Compassion matters, replace “I should be better” with “I’m learning new tools every day.”

If you need support, you don’t have to go it alone. Our free 1:1 financial planning can help you create a manageable system that respects your mental health.

Catch the replay of our webinar on mental health and money. Available on our website.

Watch now: http://www.totalalignmentcharitable.org/events?utm_campaign=meetedgar&utm_medium=social&utm_source=meetedgar.com

07/31/2026

💰 If your car broke down today and the repair cost $1,000, could you pay for it without using a credit card?

For millions of Americans, the answer is no.

That's why an emergency fund isn't a luxury.

It's one of the most important financial tools you can have.

Our FREE Emergency Fund Starter Kit will help you:
✔ Know how much you should save
✔ Build a savings plan that fits your budget
✔ Take the stress out of unexpected expenses

You don't have to save thousands overnight. You just have to start.

Download your FREE Emergency Fund Starter Kit today and begin building your financial safety net.

07/30/2026

**What could $100 a month become?**

Here's a powerful lesson often shared by financial expert Suze Orman:

If you invest **$100 every month** in a low-cost index fund starting at **age 25**, and earn a long-term average annual return, you could have **around $1 million by retirement**.

But here's the catch:

⏳ **Waiting just 10 years can cost you hundreds of thousands of dollars.**

Starting at age 35 instead of 25 means you have fewer years for your money to benefit from the power of compound growth. The earlier you start, the more time your investments have to work for you.

The lesson isn't that you need to be wealthy to invest.

The lesson is that **time is one of your greatest financial assets.**

Even small, consistent investments can lead to life-changing results over decades.

Start where you are. Stay consistent. Let time do the heavy lifting.

💬 What's one financial habit you wish you had started 10 years earlier?

*Educational purposes only. Investment returns are not guaranteed, and actual results will vary.*
finance

07/29/2026

We'd rather you find out about an ABLE account before you need one.

If you or a loved one has a qualifying disability, an ABLE account can help you save for the future without putting important benefits like SSI or Medicaid at risk.

An ABLE account can be used for expenses such as:
• Housing
• Education
• Transportation
• Healthcare
• Assistive technology
• Everyday living expenses

Too many families avoid saving because they worry they'll lose benefits. An ABLE account was created to help solve that problem.

Financial security and public benefits don't have to be an either-or decision.

Save smarter. Plan ahead. Protect your future.

Have you heard of ABLE accounts before? Let us know in the comments.

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