The Savvy Life sees your finances unlike any other financial education company. We work with you to figure out how to manage your everyday money, your everyday finances, while working toward your bigger financial goals.

Too many people feel financially strapped though they make good money. They say “I have a good job. I make decent money. But I feel like I’m still living paycheck-to-paycheck, and I have no idea why.” Working together we uncover where your everyday money goes. We explore your spending on necessities like food, clothing and shelter. We examine your indulgences—your attraction to shoes, or on-line shopping, or late nights with the guys.

Not so you live like a monk. Rather so you can live a savvy life, the everyday life you want to live.

The Savvy Life finds the holes in your pocket…the surprising, unexpected or unexamined places where money slips away from you. Then together we sew up the holes through an everyday financial plan we build together.

And we know it takes more than just a plan for most of us to get where we want to go. So The Savvy Life can stay with you to guide you through your new plan and build your new financial “muscle” through insightful articles, programs and one-on-one work with Savvy Cash Flow Experts.

Now you’ll not only have money for everyday, you’ll be able to save even more for retirement.

We’ve been delivering financial education and everyday financial planning for over 10 years, working with financial advisers and their clients and hundreds of individuals ready to make their money work as hard for them as they do for it.

Our clients experience breakthroughs in the way they live everyday and joy in seeing the money they earn create the stress-free, fun lifestyle they seek.

“Melissa Tosetti has a deep understanding of the attachment and fears associated with money and creating budgets. I had the privilege of working with her to create a budget that was in alignment with how I wanted to live my life. She was patient with me when I struggled to define what that was going to be, she pushed me gently towards commitments and she reminded me that most people feel the same way. I am now debt free and working towards my large financial goals yet still having fun along the way. Thank you, Melissa!” – Elizabeth N.

Our Team

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Melissa Tosetti
Melissa saw an issue growing all around her—more and more people were making good money, yet finding themselves living paycheck-to-paycheck. She stepped up to the challenge. Melissa founded The Savvy Life in 2003 to meet the needs of individuals and families who wanted to conquer the gap between their earnings and expenses once and for all. Think of it as Everyday Financial Planning for everyday living, while simultaneously building on long-term financial goals.

What started as a germ of an idea has turned into a vital requirement for individuals and families all across the United States, whether working with her through their financial advisor or directly. Melissa’s financial education acumen has led her to be a spokesperson for Quicken and a speaker on the concepts of Everyday Financial Planning with corporations such as Charles Schwab, Ameriprise Financial, Edward Jones, Bayer Healthcare LLC, Cisco Systems, PG&E and International Paper and more.

Melissa has been a guest on Pocket the Difference on the Fine Living Network and has appeared on episodes of Eye on the Bay and The Real Deal with Jeanette Pavini. She has been quoted in U.S. News & World Report, TodayShow.com, Chicago Tribune and Detroit News among other publications. She has chaired panels on savvy living at the Professional Businesswomen of California conferences in San Francisco and Sacramento.

Personal finance author, speaker and teacher Melissa is author of the international best seller, Living the Savvy Life.

Melissa believes a strong financial foundation develops habits and routines that make managing money effortless. Understanding the fear and emotions surrounding money, Melissa works with her clients in a positive, upbeat manner. Her goal creates people equipped for today’s and the future’s savvy life.

Contact Melissa for help with day-to-day financial planning or to book for a speaking engagement.

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Kevin Gibbons is the Vice President of The Savvy Life, cash flow planning specialist and co-author of the international bestseller Living the Savvy Life. In addition to writing, speaking and teaching about personal finance from a lifestyle perspective, Kevin manages the daily operations of the company and supervises the building of the infrastructure necessary for maintaining and growing the business.

Kevin started life as a scientist, specializing in Thin Film Physics. He progressed into Technical Program Management where he was responsible for managing cost, schedule and performance for a variety of multimillion dollar programs. He is the author of numerous technical papers and holds two patents related to thin film design and process control. When Melissa Tosetti started The Savvy Life in 2003, Kevin contributed articles and helped with editing. He continued in this role as contributor and advisor until he joined full-time in 2017.

Kevin’s past technical and programmatic experience helps him understand the details of clients’ individual financial situations and goals, and how different aspects are interconnected. By applying streamlined versions of the tools he used in his previous business life, he helps clients understand their finances in new, clearer ways.

Contact Kevin to learn more about The Savvy Life.