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Coaching for do-gooders

Speak with us for free about your finances and plans for giving

How our coaching program works

1 / Apply

Fill out our brief application form. Give us a sense of your goals and where you need guidance. If we are a match, we will reach out to book time with you. 

2 / Prepare

If you are accepted, we'll ask you to gather all your financial information into one place so we can have an effective discussion based on real numbers. The more prepared you are, the more impactful our meeting will be. 

3 / Meet

We'll have a 1:1 video call where you can speak with us about your goals and main concerns. If appropriate, we may recommend you to other advisors or point you to additional resources.

4 / Follow-up

In some cases, we may propose another video call if additional support is needed. 

How we can help


Review financial plans

Together, we'll explore opportunities to improve both your personal finances and opportunities to give


Suggest new resources

Subject to your personal goals and the opportunity to make the biggest impact, we'll point you to relevant books, bloggers, or other educational materials

Make introductions

We may refer you to other advisors to support you with your personal financial plans or philanthropic goals

Who can we help

We're best prepared to help people who:

  • Are planning to make a large donation, or are considering taking a donation pledge (like One For The World, or Giving What We Can)

  • Are familiar with or want to learn more about the tenets of effective altruism

  • Have taken the Learn to Invest & Build Wealth course, or already have a strong understanding of financial planning

  • Are located in the US. At this time we only work with folks in-country due to our unique investment and tax structures.

If you’re not sure about whether to apply, we recommend that you do!

Who you'll meet with

Rebecca Herbst, Founder of Yield & Spread

Rebecca is an advocate of effective altruism and part of the FIRE movement (Financial Independence Retire Early). At the age of 32, she reached financial independence and left the corporate workforce to build Yield & Spread. She's worked with hundreds of people on their finances and is excited to help you explore giving back. 

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  • I'm a true beginner. Will I be able to keep up?
    If you can use a computer and you understand basic math, then you are more than able to take this course and learn to invest.
  • What do I need to take the course?
    You don't need anything, but ideally you are able to get access to all your bank account information so you can begin taking action starting Day 1 of the course.
  • I wanna get rich quickly. Can you teach me how to do that?
    We can teach you how to get rich. But not quickly. Building wealth in a stable, growing manner doesn't happen overnight. If you're looking for a get rich quick scheme, this isn't it.
  • What type of investments will I learn about?
    You'll learn about stocks, bonds, and funds. We do not teach alternative investment strategies such as real estate, cryptocurrency, angel investing, etc. We are solely focused on passive investment strategies, investing without having to spend hours and hours doing research.
  • Does it matter what age I am?
    The strategy we teach in this course is best for those who have not yet reached traditional retirement age. So whether you are still in school or you are well into your career, this course is right for you.
  • Is this course only for people living in the US?
    The investing approach we teach is global in nature, but the nitty gritty accounts and taxes that are explained are U.S. focused.
  • I heard you used to teach this class live? Why is it online now?
    We decided to move online so we could reach more people. The live course had too many time restraints. However, we know a lot of you like to ask questions. So we are still offering live options for groups of people (10 or more). Please reach out if you are interested in something like this.
  • You said all profits go to charity. What are your costs?
    Most of the hard work put into Yield & Spread is volunteer-based. People have contributed their time and energy because they believe in our cause. Therefore, all of our operating costs are attributed to making this course available to you (our website, hosting our course online, etc.) We're quite lean and our annual costs are estimated to be <$700. So every dollar above and beyond that goes to charity.
  • What if I'm not satisfied with the course?
    We're committed to making you happy. If you pay for one of our courses and are not satisfied, you can request a refund within 3 weeks (21 days) after your payment. Please reach out with any questions. We don't offer partial refunds.
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