It might surprise you that one coaching session is less expensive than the average monthly cable or family cell phone bill. The return on investment (ROI) you receive from financial coaching far exceeds the entertainment value you receive from watching television. A typical American household saves over $70,219 on interest payments alone after working with a financial coach. Financial coaching is a necessity for some. For others, however, it is a luxury. You will have to decide where to draw the line. If coaching is a necessity, then you also have to compare it to the costs of bankruptcy – which can be $500 to $2,000 in legal fees alone – and the costs of credit counseling – which range from $30 to $50 per month for four years, or around $2,000.