Start Smart Money · by Kish Talks Credit
New Financial Life After Debt Starts Here.
Whether you're recovering from bankruptcy, divorce, medical debt, unemployment, or financial setbacks, Start Smart Money provides the tools, education, and guidance to help you rebuild with confidence.
Life Happens
Your Financial Comeback Starts Now.
Debt doesn't always come from poor decisions. Sometimes it comes from life.
If debt has left you feeling overwhelmed, you're not alone. Start Smart Money was created to help people rebuild after financial setbacks and create a clear path toward stability, confidence, and long-term financial wellness.
Two Clear Pathways
Choose the path that fits where you are.
Rebuild with a clear plan.
Get personalized guidance, practical tools, education, and accountability to help you improve your financial future and make smarter money decisions.
A trusted next step for your clients.
We partner with bankruptcy attorneys, family law attorneys, mediators, financial professionals, and community organizations looking to provide additional financial education and support resources to their clients.
Kish Townsend · Founder
REAL Help.
REAL Solutions.
REAL People
Who Understand.
Founder & App Creator
Meet Kish Townsend
After experiencing financial setbacks firsthand, Kish created Start Smart Money to help others rebuild with confidence. Through education, practical tools, accountability, and technology, the mission is to help individuals create lasting financial stability and a stronger future.
How we work together
Financial Recovery Planning
Build a spending plan, establish emergency savings, manage monthly obligations, and reduce financial stress after any setback.
Credit Rebuilding Roadmap
Understand your credit reports, re-establish positive payment history, use credit responsibly, and track progress.
Accountability Coaching
Stay on track, build durable financial habits, and avoid repeating past patterns with regular check-ins.
Watch on YouTube
From credit card hacks to bankruptcy recovery, join thousands of viewers learning to master their money on the Kish Talks Credit channel.
youtube.com/@kishtalkscredit
For Referral Partners
A trusted resource for your clients.
We partner with bankruptcy attorneys, family law attorneys, mediators, financial professionals, and community organizations looking to provide additional financial education and support resources to their clients.
Bankruptcy Attorneys
Divorce Attorneys
Family Law Practices
Mediators
Financial Professionals
Community Organizations
By Kish Talks Credit
The Start Smart Money App
Your financial recovery toolkit in your pocket.
A simple, three-phase plan that guides you from recovery to rebuilding to growth — with budgeting, debt review, savings goals, credit tools, and an education library all in one place.
- Monthly Budgeting
- Spending Journal
- Debt Review Tools
- Savings Goal Tracking
- Credit Improvement Resources
- Financial Education Library
- Accountability & Progress Tracking
Recovery
- Financial Snapshot
- Debt Review
- Monthly Budget
Rebuild
- Credit Rebuilding Tracker
- Savings Goals
- Spending Journal
Grow
- Homeownership Preparation
- Vehicle Purchase Preparation
- Emergency Fund Builder