Know your forms
An employer sends a Form W-2 showing your wages and the tax taken out of your pay. 1099 forms report other income, such as freelance or gig work, bank interest, or sales through payment apps and online marketplaces.
One-on-one money coaching, online
Your money, mapped in 48 hours.
Start with a free 20-minute call with Pedro. If you want the plan, the $97 Money Map Session turns your real numbers into a written plan, in your inbox within 48 hours.
No judgment
No bank logins, ever
Written plan 48 hours after your Money Map Session
Example
Money Map
| Take-home pay | $4,850 |
| Fixed bills | −$2,310 |
| Debt payments | −$640 |
| Everyday spending | −$1,420 |
| Subscriptions found to cancel | +$41 |
| Free each month to assign | $521 |
- Cancel two unused subscriptions by Friday
- Move $250 to savings on payday
- Pay $271 extra on the 27.9% store card
Your coach
Pedro Cuello
Banks look at your money when you need a loan. A coach helps you long before that.
Over my career I've answered members' account questions, resolved billing disputes, reviewed loan applications and underwritten insurance. I know how money decisions look from the institution's side, and I use that to help you.
MintPath's mission is to empower every client with the tools, guidance and coaching they need to maximize their financial potential.
- Nearly 15 years in banking, billing, lending and insurance
- B.A. in Accounting, minor in Psychology, CUNY Lehman College
- Five credit unions in New York and North Carolina
- Coaching in English or Spanish
You work with me on every session. Nobody else sees your numbers.
How it works
Three steps, and you can stop after any of them
1
Free 20-minute call
Tell me what's going on. You leave with one specific next step, whether or not you buy anything.
$02
Money Map Session
One hour on your real numbers, by category. Your written plan arrives within 48 hours.
$973
30-Day Money Reset
Three sessions and a check-in message every week, so the plan actually sticks.
$297Between sessions
Your plan lives in your own client dashboard
- See this month's spending against your plan, by category
- Tick off the week's actions and read Pedro's notes
- Watch your debt payoff date move as you pay extra
- Ask Zuli, your AI coach, about your plan any time
Here for something else?
Choose the help you need
Personal finance coaching
Start small. Pay for more only if it helps.
Free 20-minute call
$0
Best if you're not sure where to start.
- What's going on, in your words
- One next step by email within 24 hours
- No pitch
Money Map Session
$97 one 60-minute session
Best if you want a written plan for your numbers.
- Your budget by category, built live
- A check for money leaking out on bills and subscriptions
- A written plan with three dated actions, within 48 hours
- $97 counts toward the Reset if you continue within 14 days
30-Day Money Reset
$297 or 2 × $149 ($298 total)
Best if you want help sticking to it for a month.
- Three sessions: weeks 1, 2 and 4
- A check-in message every week
- Your client dashboard with your plan and progress
Do the sessions and the homework and still don't have a working budget by day 30: full refund.
Try the dashboard demoEvery step starts with the free 20-minute call. You decide on the Money Map at the end of it, and pay only if you go ahead.
Book a free 20-minute call10spots
Founding clients: the Reset for $197
The first 10 clients pay $197 in return for honest written feedback, shared only with your permission. Ends when the 10 spots fill, because I coach every client myself.
After the Reset
Credit & Debt Coaching
$497 or 2 × $259 ($518 total) · 60 days · 4 sessions
A payoff plan and timeline, and education on how credit works. No promise to change your credit score; MintPath does not do credit repair and never contacts or negotiates with creditors for you.
Financial Freedom Plan
$1,497 or $135/month for 12 months ($1,620 total) · 12 sessions
A month-by-month plan for budget, debt, credit, savings and goals, with email support.
Payment plans add a little to the total, shown in brackets. Paying in full costs the listed price.
For new and small business owners
Business Orientation
One-on-one guidance to set up your business and get it selling, from formation basics to your first steady customers.
Business formation
The basic steps: choosing a structure, registering with your state, getting your EIN, and keeping business and personal money apart.
Business strategy
Who you serve, what sets you apart, and a one-page plan with goals for the next 90 days.
Product
Turning what you do into clear offers, with prices that cover your costs and pay you.
Sales
A simple routine to find customers, follow up and close the sale.
Customer orientation
Learning what your customers need, keeping them coming back and earning referrals.
Website design New
A simple, mobile-friendly website that explains what you do and makes it easy for customers to book, call or buy.
Packages
Business Starter Session
$99 one 90-minute session
"I have an idea and don't know where to start."
- Business structures explained in plain English
- State registration, EIN and a business bank account, step by step
- Licenses and permits to ask your city and county about
- A written next-steps checklist for your business
90-Day Launch Plan
Custom quote after your free call
"I'm ready to start selling."
- 60-minute kickoff and a one-page business plan
- Offers and prices that cover your costs and pay you
- A simple weekly routine to find customers and follow up
- Monthly check-in sessions for 3 months
- Text and email support between sessions
Website Launch
From $499
"Customers can't find me online."
- Mobile-friendly pages: home, services, about and contact
- Domain and a professional email address
- Contact or booking form that sends leads to your inbox
- Google Business Profile setup
- English, Spanish or both
Website prices depend on the pages and features you need; you get a fixed quote before any work starts. Domain and hosting fees are paid by you, directly to the provider, so the site is always yours.
Recent work
Website · Financial coaching
MintPath Financial Hub
The site you're on. Built to turn visitors into booked calls.
- English and Spanish on every page
- Booking links and intake forms that go straight into HubSpot
- Free tools that bring people back: a 2-minute checkup and live calculators
- Fast and readable on any phone
What owners say
Free download
Business Starter Checklist
12 steps to set up your business the right way, from picking a name to getting found on Google. Printable, in English or Spanish.
Business calculators
How it works
01
Free 20-minute call
Tell me where your business is today and what's in the way.
02
Your plan and price
You get a short written plan with what we'll do, how long it takes and what it costs. No pressure to say yes.
03
We work it together
Regular sessions, clear homework and check-ins until the plan is done.
Questions owners ask
I haven't registered my business yet. Is it too early?
Not at all. That's a great time to start, so the basics are set up right from day one.
Can I get help with just one thing, like the website?
Yes. You can pick one area, such as a website or a pricing review, or put several together into one plan.
Do you do my taxes or legal paperwork?
No. MintPath gives education and coaching. For legal or tax questions, you'll be pointed to a licensed attorney or tax professional.
Do you work in Spanish?
Yes. Sessions, plans and websites can be in English, Spanish or both.
Starts with a free 20-minute call. You get a plan and a price for your situation before you commit. Formation help is education and support with your state's own forms, not legal advice.
New · Buying a car
Car Buying Coach
Know your number. Own the deal. A plan, a budget and a fair out-the-door price for your next car, without the dealership runaround. You stay the buyer; I coach you through every step.
Deal Check
$79 answered in 1 business day
"I have a quote. Is it good?"
- Review of one dealer quote and loan offer
- Red flags on fees, add-ons and financing
- A counter-offer script
- 15-minute results call
Car Buying Coach
$249 30 days of support
"I'm starting to shop."
- 60-minute kickoff and a one-page Car Plan
- Budget and true monthly cost, before you shop
- Target out-the-door price for up to 3 vehicles
- Dealer email scripts; up to 5 quotes compared
- Final contract review and a savings report
Deal Partner
$499 60 days of support
"Walk with me the whole way."
- Everything in Car Buying Coach
- Unlimited quotes and contract reviews
- Trade-in strategy and lease math included
- 30-minute call before you sign
- Priority support, evenings included
Fair-Deal Guarantee (Car Buying Coach and Deal Partner): if your documented savings are less than the fee you paid, MintPath refunds the difference.
Add-ons: trade-in or sell-my-car coaching $99 · lease analysis $49 · used-car pre-purchase check $49 · auto loan refinance review $49 · same-day rush $49 · second household car 20% off.
Founding 25, from Nov 10, 2026: 30% off Car Buying Coach ($174) or Deal Partner ($349) for the first 25 clients, in return for an honest review, positive or negative. Code FOUNDING25. Ends at 25 clients or Jan 31, 2027.
Education only. We coach you; we do not negotiate with dealers on your behalf, buy or sell vehicles, or receive dealer compensation. MintPath is not a car dealer, broker or lender. You talk to the dealers and sign your own papers. One discount per order.
Resources
Free tools, and how MintPath works
New
Money calculators
Twelve quick calculators with live graphs: budget, emergency fund, credit card payoff, auto loan, mortgage, savings growth, APY, savings goal and debt-to-income, plus pricing, break-even and hourly rate for business owners.
Free Financial Checkup
Five numbers, two minutes, a result right away. Nothing leaves your browser.
Client dashboard demo
Step through a sample client's month and try Zuli, the AI coach.
Privacy & AI
What we collect, where it goes, and what Zuli can and can't see.
About Pedro and FAQ
Who you'd work with, what he promises, and common questions.
Tax preparation · 2027 filing season
Not open yet. Join the waitlist.
MintPath isn't taking tax clients yet. Join the list and you'll get one email when appointments open for the 2027 filing season, in English or Spanish. Tax preparation will need a signed engagement agreement.
2-Minute Money
Short reads that make money feel simpler
A new article every other Monday: one idea, one everyday comparison, and two or three small steps you can take this week.
Tax preparation · Waitlist open
Tax season, with a calm guide beside you.
MintPath Hub is getting ready to offer tax preparation for young adults, families and small business owners. It isn't open yet. Join the waitlist and we'll let you know when it is. In the meantime, the basics below can help you get organized.
- Free to join
- Only your name and email
- No tax documents needed to join
Join the tax prep waitlist
This is a waitlist, not an appointment. We'll email you when tax preparation opens.
You're on the waitlist.
Joining doesn't schedule an appointment or start a client relationship.
What joining the waitlist means
- You're on the list, not bookedTax preparation isn't available yet. Joining just saves your spot to hear about it.
- We email you when it opensYou'll hear from us at the email you give, in the language you're using on this page.
- No commitmentJoining doesn't cost anything and doesn't sign you up for a service.
Tax basics
The basics, in plain English
General information to help you understand your taxes. Rules depend on your situation and can change, so check the official IRS links before you rely on anything here.
Starting out: jobs, forms and filing
Filing isn't only for people who owe
Whether you have to file depends on things like your income, age, filing status and whether someone else can claim you as a dependent. Even when you don't have to, filing may be how you get back tax that was withheld. The IRS Interactive Tax Assistant has a "Do I need to file?" tool.
Your W-4 sets your withholding
The Form W-4 you give your employer decides how much tax comes out of each paycheck. Too little can mean a bill at tax time; too much means less money in each check. The IRS Tax Withholding Estimator can help you check it.
Side gigs count
Income from freelancing, delivery apps or selling services generally has to be reported, even if you never get a form for it. Keep a simple record of what you earn and what you spend to do the work.
Families: status, dependents and life changes
Filing status matters
The IRS has five filing statuses: single, married filing jointly, married filing separately, head of household, and qualifying surviving spouse. Your status affects your tax, and each has its own rules. See Filing status on IRS.gov.
Who counts as a dependent
Whether you can claim a child or relative depends on IRS tests, such as how you're related, where they live and who supports them. The IRS explains the rules on its Dependents page.
Family credits have their own rules
Credits such as the Child Tax Credit, the credit for child and dependent care expenses, the Earned Income Tax Credit and education credits each have eligibility rules that can change from year to year. Check the IRS credits and deductions pages before counting on any of them.
Life changes are a good time to check
Marriage, divorce, a new baby, a move or a new job can change your taxes. It's a good moment to review your W-4 and start a folder for records like childcare receipts, school tuition forms and health coverage forms.
Small business owners: records, separation and paying as you go
Keep records as you go
Receipts, invoices, bank statements and mileage logs back up the income and expenses you report. The IRS says you can use any recordkeeping system that clearly shows your income and expenses. See Recordkeeping on IRS.gov.
Separate business and personal money
A separate bank account or card for the business makes your records much easier to follow, and it shows clearly which expenses belong to the business. It's one of the simplest habits that saves time at tax time.
Self-employed? You may pay during the year
No employer withholds tax for you. According to the IRS, self-employed people generally file an annual return and pay estimated taxes quarterly, and self-employment tax covers Social Security and Medicare. See the Self-employed individuals tax center.
Payment apps and 1099 forms
Card processors, payment apps and online marketplaces may send you a Form 1099-K, and clients may send a 1099-NEC. Business income generally has to be reported whether or not a form arrives, so your own records are the full picture.
What does joining the waitlist mean?
It means we have your name and email so we can tell you when MintPath Hub's tax preparation opens. It isn't an appointment, a quote or a client agreement, and you aren't committing to anything.
Who is this service for?
MintPath Hub is planning tax preparation with three groups in mind: young adults filing on their own, families, and small business owners or self-employed people. When it opens, we'll share what's included and who it fits.
What should I generally gather before preparing a return?
The IRS suggests keeping your tax documents together in one place. Commonly that includes:
- Social Security numbers or ITINs for you and anyone on your return (keep these private; never send them through a web form like this one)
- Income forms: W-2s and 1099s, such as 1099-NEC, 1099-K, 1099-INT and 1099-R
- Last year's tax return
- Records for possible credits and deductions, such as childcare costs, education forms, mortgage interest and charitable donations
- For self-employment: income and expense records, bank and payment-app statements, mileage logs and any estimated tax payments
- Bank account and routing numbers if you want a refund by direct deposit
The full list is on the IRS Gather your documents page.
Where can I find reliable official information?
Go straight to IRS.gov. Watch out for sites that look official but charge for free IRS services. Good places to start:
Can you answer my tax question now?
Not yet. Until tax preparation opens, MintPath Hub can't give advice about your individual taxes. For a specific question, use the IRS resources above or talk with a qualified tax professional.
Want a heads-up when tax prep opens?
It takes a few seconds and only needs your name and email.
This page shares general information for education only. It isn't tax, legal or financial advice, and it doesn't promise eligibility for any deduction, credit, refund or result. Tax rules change and depend on your situation. For your own circumstances, consult a qualified tax professional or official IRS resources. Last reviewed November 2026.
Money calculators
Quick numbers for big money decisions
Estimates for the decisions Pedro helps with most. Everything is calculated in your browser; nothing you type is sent or saved.
Estimates for education only. Real loan offers, rates and returns will differ, and this isn't financial advice. Want help with your own numbers? Start with the free 20-minute call.
Privacy & AI
Privacy Notice
Effective November 13, 2026. This notice replaces the version dated November 8, 2026.
The short version
- We never ask for bank logins, passwords, full account numbers or card numbers, and our forms never ask for Social Security numbers or tax documents.
- We collect what you type into our forms or tell Pedro, and use it to reply to you, deliver the service you ask for, and send emails you can unsubscribe from at any time.
- We don't sell your information or share it for advertising.
- You can ask us to see, correct or delete what we hold: email admin@mintpathhub.com.
Who we are
This site is run by MintPath LLC, doing business as MintPath Financial Hub ("MintPath", "we"). Mailing address: 138 Ballast Point, Clayton, NC 27520. Email: admin@mintpathhub.com.
What we collect, and why
| Where | What | Why |
|---|---|---|
| Intake forms (coaching, business, car buying) | Name, email, phone (if you give it), language, and the answers you type about your situation | To reply, plan your service, and follow up about your request |
| Tax prep waitlist | Name, email, language | To tell you when tax preparation opens |
| Business Starter Checklist | First name, email, language | To give you the checklist and send occasional tips |
| Booking a call | What you enter on Google's booking page | To schedule and hold the call |
| Zuli chat (clients) | Your questions and the plan shown on your dashboard | To answer your question (see "Zuli" below) |
| Calculators, checkup, dashboard demo | Nothing is sent to us. The numbers stay in your browser. | Free tools |
Please don't send Social Security numbers, account or card numbers, passwords or tax documents through this website or the chat.
Emails
If you fill in a form, we may email you about your request and send occasional tips or updates about MintPath services. Every marketing email has an unsubscribe link, and you can also unsubscribe by emailing us. If you give a phone number, we use it to reach you about your request.
Companies that handle your information for us
We use these service providers. Each handles data under its own terms and privacy policy.
- HubSpot: stores form answers and contact records, and sends our emails.
- Google: Google Calendar for booking calls, and Google Fonts, which loads the site's typefaces from Google's servers, so Google receives your IP address and browser details when a page loads.
- Netlify: hosts this website. Like any web host, it processes visitor IP addresses and request details to serve the site. For Zuli, Netlify also keeps short-lived technical logs (see below).
- Anthropic: provides Claude, the AI model behind Zuli (see below).
Zuli, the AI coach
Zuli is an AI assistant, not a person or a licensed professional. It's available to coaching clients on their dashboard.
- What is sent: the plan on your dashboard (categories, debts, this week's actions), your recent messages in the chat, and your language. Long strings of numbers that look like Social Security, account or card numbers are removed before anything is sent.
- Where it goes: through our Netlify function to Anthropic's Claude API, which writes the answer. Anthropic's published policy says it deletes API inputs and outputs within 30 days, except where it must keep them longer to enforce its usage policies or comply with the law, and that it does not train its models on API data. See Anthropic's privacy center.
- Logs and human review: the first part of each question and answer is written to Netlify's function logs so Pedro can check Zuli's answers. Netlify keeps these logs for a limited time (at least 24 hours, up to 7 days depending on the plan).
- What it won't do: recommend specific investments, prepare or advise on tax returns, repair credit or contact creditors, or make decisions for you. Zuli can be wrong; check anything important with Pedro.
Your browser
This site doesn't use advertising or analytics cookies. The dashboard demo and your language choice are saved in your own browser's storage so the page remembers them; clear your browser data to remove them. We don't currently respond to "Do Not Track" signals, because the site doesn't track you across other websites.
How long we keep it
We delete leads and waitlist contacts after 24 months with no activity, and keep client coaching records for 3 years after your last session. We delete your information sooner if you ask, unless we need to keep it to meet a legal obligation.
Security
We use established service providers and never ask for passwords or full account numbers. No method of sending or storing data is perfectly secure. If a breach affects your personal information, we'll notify you as required by law.
Your choices
- Unsubscribe from emails with the link in any email.
- Ask to see, correct or delete your information: email admin@mintpathhub.com. We may need to confirm it's you.
Children
This site is for adults and isn't directed to children under 13. We don't knowingly collect information from children under 13; if you think a child has sent us information, email us and we'll delete it.
Changes
If we change this notice, we'll post the new version here with a new effective date.
Education, not advice
MintPath provides financial education and coaching. It isn't legal, tax or investment advice. We do not recommend specific securities or manage investments, and MintPath doesn't do credit repair.
Privacidad e IA
Aviso de Privacidad
Vigente desde el 13 de noviembre de 2026. Reemplaza la versión del 8 de noviembre de 2026.
En resumen
- Nunca pedimos claves bancarias, contraseñas, números completos de cuenta o de tarjeta, y nuestros formularios nunca piden números de Seguro Social ni documentos de impuestos.
- Recopilamos lo que escribes en nuestros formularios o le cuentas a Pedro, y lo usamos para responderte, darte el servicio que pides y enviarte correos que puedes cancelar cuando quieras.
- No vendemos tu información ni la compartimos para publicidad.
- Puedes pedirnos ver, corregir o borrar lo que tenemos: escribe a admin@mintpathhub.com.
Quiénes somos
Este sitio lo opera MintPath LLC, que opera como MintPath Financial Hub ("MintPath", "nosotros"). Dirección postal: 138 Ballast Point, Clayton, NC 27520. Correo: admin@mintpathhub.com.
Qué recopilamos y para qué
| Dónde | Qué | Para qué |
|---|---|---|
| Formularios de inscripción (coaching, negocios, compra de auto) | Nombre, correo, teléfono (si lo das), idioma y lo que escribas sobre tu situación | Para responderte, planear tu servicio y dar seguimiento a tu solicitud |
| Lista de espera de impuestos | Nombre, correo, idioma | Para avisarte cuando abra la preparación de impuestos |
| Lista para Empezar tu Negocio | Nombre, correo, idioma | Para darte la lista y enviarte consejos de vez en cuando |
| Agendar una llamada | Lo que escribas en la página de citas de Google | Para agendar y hacer la llamada |
| Chat con Zuli (clientes) | Tus preguntas y el plan de tu panel | Para responder tu pregunta (ver "Zuli" abajo) |
| Calculadoras, chequeo y demo del panel | No se nos envía nada. Los números se quedan en tu navegador. | Herramientas gratis |
No envíes números de Seguro Social, de cuenta o de tarjeta, contraseñas ni documentos de impuestos por este sitio ni por el chat.
Correos
Si llenas un formulario, podemos escribirte sobre tu solicitud y enviarte consejos o novedades de los servicios de MintPath de vez en cuando. Cada correo de marketing tiene un enlace para darte de baja, y también puedes darte de baja escribiéndonos. Si nos das un teléfono, lo usamos para contactarte sobre tu solicitud.
Empresas que manejan tu información por nosotros
Usamos estos proveedores. Cada uno maneja los datos según sus propios términos y política de privacidad.
- HubSpot: guarda las respuestas de los formularios y los contactos, y envía nuestros correos.
- Google: Google Calendar para agendar llamadas, y Google Fonts, que carga los tipos de letra del sitio desde servidores de Google, así que Google recibe tu dirección IP y datos del navegador al cargar una página.
- Netlify: aloja este sitio. Como cualquier servicio de hosting, procesa la dirección IP y los datos de cada visita para mostrar el sitio. Para Zuli, Netlify también guarda registros técnicos por poco tiempo (ver abajo).
- Anthropic: ofrece Claude, el modelo de IA detrás de Zuli (ver abajo).
Zuli, el coach de IA
Zuli es un asistente de IA, no una persona ni un profesional con licencia. Está disponible para los clientes de coaching en su panel.
- Qué se envía: el plan de tu panel (categorías, deudas, acciones de la semana), tus mensajes recientes en el chat y tu idioma. Antes de enviar, se quitan las cadenas largas de números que parecen de Seguro Social, cuenta o tarjeta.
- A dónde va: pasa por nuestra función en Netlify a la API de Claude de Anthropic, que escribe la respuesta. La política publicada de Anthropic dice que borra lo que recibe y genera por la API en un plazo de 30 días, salvo cuando debe guardarlo más tiempo para hacer cumplir sus políticas de uso o por ley, y que no entrena sus modelos con datos de la API. Consulta el centro de privacidad de Anthropic (en inglés).
- Registros y revisión humana: la primera parte de cada pregunta y respuesta se guarda en los registros de Netlify para que Pedro revise las respuestas de Zuli. Netlify guarda esos registros por tiempo limitado (al menos 24 horas y hasta 7 días según el plan).
- Lo que no hace: recomendar inversiones específicas, preparar o asesorar declaraciones de impuestos, reparar crédito o contactar acreedores, ni tomar decisiones por ti. Zuli puede equivocarse; confirma lo importante con Pedro.
Tu navegador
Este sitio no usa cookies de publicidad ni de analítica. La demo del panel y tu idioma se guardan en el almacenamiento de tu propio navegador para recordarlos; borra los datos del navegador para quitarlos. Por ahora no respondemos a las señales "Do Not Track", porque el sitio no te rastrea en otros sitios web.
Cuánto tiempo lo guardamos
Borramos los contactos y la lista de espera después de 24 meses sin actividad, y guardamos los expedientes de clientes de coaching por 3 años después de tu última sesión. Borramos tu información antes si lo pides, salvo que debamos guardarla por una obligación legal.
Seguridad
Usamos proveedores establecidos y nunca pedimos contraseñas ni números completos de cuenta. Ningún método para enviar o guardar datos es perfectamente seguro. Si una filtración afecta tu información personal, te avisaremos según lo exija la ley.
Tus opciones
- Date de baja de los correos con el enlace que aparece en cada uno.
- Pide ver, corregir o borrar tu información: escribe a admin@mintpathhub.com. Puede que necesitemos confirmar que eres tú.
Niños
Este sitio es para adultos y no está dirigido a menores de 13 años. No recopilamos a sabiendas información de menores de 13; si crees que un menor nos envió información, escríbenos y la borraremos.
Cambios
Si cambiamos este aviso, publicaremos la nueva versión aquí con una nueva fecha de vigencia.
Educación, no asesoría
MintPath ofrece educación y coaching financiero. No es asesoría legal, fiscal ni de inversiones. No recomendamos valores específicos ni administramos inversiones, y MintPath no hace reparación de crédito.
Legal
Terms of Use
Effective November 13, 2026.
These terms cover your use of mintpathhub.com. By using the site, you agree to them. The site is run by MintPath LLC, doing business as MintPath Financial Hub ("MintPath").
Education, not advice
Everything on this site, including articles, calculators, the checkup, tax basics and Zuli, is general education. It isn't legal, tax, investment or other professional advice, and it doesn't create a client relationship. We provide budgeting and financial education; we do not recommend specific securities or manage investments. MintPath doesn't do credit repair, doesn't promise any change to your credit score, and doesn't contact or negotiate with creditors or debt collectors for you.
Car Buying Coach
The Car Buying Coach is education and coaching only. We coach you; we do not negotiate with dealers on your behalf, buy or sell vehicles, or receive dealer compensation. You make your own decisions and sign your own documents.
Tax preparation
Tax preparation isn't available yet. Joining the waitlist doesn't make you a client or schedule an appointment.
Paid services
Prices on this site are what we charge today and may change. Before you pay for any service, you receive a written agreement or checkout terms, including refund and cancellation terms. Those terms govern that service.
Calculators and estimates
Calculator results are estimates based on the numbers you enter and simple assumptions. Real rates, fees and results differ.
Zuli
Zuli is an AI assistant, not a person or a licensed professional. Its answers can be wrong or incomplete. Don't rely on Zuli for decisions; check with Pedro or a qualified professional. Don't enter Social Security numbers, account numbers, passwords or tax documents.
Acceptable use
Don't misuse the site: no attempts to break, overload or get around its security, no automated scraping of forms or the chat, and no submitting other people's information without their permission.
Content and links
Site content belongs to MintPath. You may share links and print pages for personal use. Links to other sites, such as IRS.gov, are for convenience; we don't control them.
No warranty; limits on liability
The site is provided "as is." To the extent the law allows, MintPath isn't liable for losses from using the site, its tools or Zuli. These terms are governed by the laws of North Carolina, and any dispute will be handled in the state or federal courts serving Johnston County, North Carolina.
Changes and contact
We may update these terms and will post the new version here. Questions: admin@mintpathhub.com · 138 Ballast Point, Clayton, NC 27520.
Legal
Términos de Uso
Vigentes desde el 13 de noviembre de 2026.
Estos términos cubren tu uso de mintpathhub.com. Al usar el sitio, los aceptas. El sitio lo opera MintPath LLC, que opera como MintPath Financial Hub ("MintPath").
Educación, no asesoría
Todo en este sitio, incluidos artículos, calculadoras, el chequeo, lo básico de impuestos y Zuli, es educación general. No es asesoría legal, fiscal, de inversiones ni profesional, y no crea una relación de cliente. Ofrecemos educación sobre presupuesto y finanzas; no recomendamos valores específicos ni administramos inversiones. MintPath no hace reparación de crédito, no promete ningún cambio en tu puntaje de crédito y no contacta ni negocia con acreedores ni cobradores por ti.
Coach para Comprar Auto
El Coach para Comprar Auto es solo educación y coaching. Te entrenamos a ti; no negociamos con concesionarios en tu nombre, no compramos ni vendemos vehículos y no recibimos pagos de concesionarios. Tú tomas tus decisiones y firmas tus documentos.
Preparación de impuestos
La preparación de impuestos aún no está disponible. Unirte a la lista de espera no te hace cliente ni agenda una cita.
Servicios pagados
Los precios de este sitio son los de hoy y pueden cambiar. Antes de pagar cualquier servicio, recibes un acuerdo escrito o términos de pago, incluidos los de reembolso y cancelación. Esos términos rigen ese servicio.
Calculadoras y estimados
Los resultados de las calculadoras son estimados basados en los números que ingresas y supuestos sencillos. Las tasas, cargos y resultados reales son distintos.
Zuli
Zuli es un asistente de IA, no una persona ni un profesional con licencia. Sus respuestas pueden ser incorrectas o incompletas. No dependas de Zuli para tomar decisiones; confírmalo con Pedro o un profesional calificado. No escribas números de Seguro Social, de cuenta, contraseñas ni documentos de impuestos.
Uso aceptable
No hagas mal uso del sitio: no intentes dañarlo, sobrecargarlo ni evadir su seguridad, no extraigas datos de los formularios o del chat de forma automática y no envíes información de otras personas sin su permiso.
Contenido y enlaces
El contenido del sitio pertenece a MintPath. Puedes compartir enlaces e imprimir páginas para uso personal. Los enlaces a otros sitios, como IRS.gov, son por conveniencia; no los controlamos.
Sin garantía; límites de responsabilidad
El sitio se ofrece "tal cual". En la medida que lo permita la ley, MintPath no es responsable de pérdidas por usar el sitio, sus herramientas o Zuli. Estos términos se rigen por las leyes de Carolina del Norte, y cualquier disputa se resolverá en los tribunales estatales o federales que corresponden al condado de Johnston, Carolina del Norte.
Cambios y contacto
Podemos actualizar estos términos y publicaremos la nueva versión aquí. Preguntas: admin@mintpathhub.com · 138 Ballast Point, Clayton, NC 27520.
Accessibility
Accessibility Statement
Last reviewed November 13, 2026.
We want everyone to be able to use mintpathhub.com, including people who use screen readers, keyboards or zoom. We use the Web Content Accessibility Guidelines (WCAG) 2.2, level AA, as our target.
What we've done
- Every form field has a visible label, and errors are announced and explained in words.
- Menus, tabs, calculators, forms and the Zuli chat work with a keyboard, with a visible focus outline.
- Text colors are checked for contrast in light and dark mode.
- Images have text alternatives, and Spanish content is marked as Spanish for screen readers.
- We don't use an accessibility overlay widget.
Known limits
Our checks so far have been our own, not a formal audit with assistive-technology users. Booking pages and the tax waitlist confirmation come from other companies (Google, HubSpot), and we don't control their accessibility.
Tell us about a problem
If something on this site is hard to use, email admin@mintpathhub.com with the page and what happened. We'll work with you to fix it or get you the information another way.
Accesibilidad
Declaración de Accesibilidad
Última revisión: 13 de noviembre de 2026.
Queremos que todas las personas puedan usar mintpathhub.com, incluidas quienes usan lectores de pantalla, teclado o zoom. Usamos como meta las Pautas de Accesibilidad para el Contenido Web (WCAG) 2.2, nivel AA.
Lo que hemos hecho
- Cada campo de formulario tiene una etiqueta visible, y los errores se anuncian y explican con palabras.
- Los menús, pestañas, calculadoras, formularios y el chat de Zuli funcionan con teclado y muestran un contorno de enfoque visible.
- Revisamos el contraste de los colores del texto en modo claro y oscuro.
- Las imágenes tienen texto alternativo, y el contenido en español está marcado como español para los lectores de pantalla.
- No usamos un widget superpuesto de accesibilidad.
Limitaciones conocidas
Hasta ahora las revisiones han sido nuestras, no una auditoría formal con usuarios de tecnologías de apoyo. Las páginas de citas y algunos formularios vienen de otras empresas (Google, HubSpot), y no controlamos su accesibilidad.
Cuéntanos de un problema
Si algo en este sitio es difícil de usar, escribe a admin@mintpathhub.com con la página y lo que pasó. Trabajaremos contigo para arreglarlo o darte la información de otra forma.
Free Financial Checkup
Five numbers, two minutes, your result right away
Rough monthly figures are fine. Nothing you type leaves this page.
How the checkup scores your numbers
- Spending to fixed bills: fixed bills as a share of take-home pay. Solid footing at 50% or less; worth a look up to 65%.
- Debt payments to pay: minimum debt payments as a share of take-home pay. Solid footing at 10% or less; worth a look up to 20%.
- Room to save: take-home pay minus fixed bills and minimum debt payments. Solid footing at 20% of pay or more; worth a look from 8%.
- Emergency fund: how many months of fixed bills your savings would cover. Solid footing at 3 months or more; worth a look from 1 month.
- Overall: each measure scores 2 (solid), 1 (worth a look) or 0. 7–8 points is solid footing, 4–6 is worth a look, under 4 needs attention.
These are common rules of thumb for education, not advice. Everyone's situation is different.
About MintPath
Money coaching for busy people who never get around to the budget
Apps leave the work to you. MintPath does the first draft with you: one hour, your real numbers, and a written plan you can use the same day.
I'm Pedro Cuello. I studied accounting and psychology at CUNY Lehman College, then spent nearly 15 years in banking, billing, lending and insurance in New York and North Carolina. That work showed me how much a clear plan, and someone who checks in, changes what people can do with their money.
MintPath's mission is to empower every client with the tools, guidance and coaching they need to maximize their financial potential.
What I promise
- No judgment about how you got here.
- You share numbers by category. I never ask for bank logins.
- Every session ends with something written down you can use.
- Your written plan arrives within 48 hours of the session.
Questions
Is this financial advice?
No. MintPath provides financial education and coaching: budgets, debt strategy and habits. It is not legal, tax or investment advice, and it does not recommend specific investments.
Do I need to share my bank accounts?
No. You share totals by category, like rent or groceries. I never ask for logins or account numbers.
What happens after the Money Map session?
Your written plan arrives within 48 hours. If you want help sticking to it, the $97 counts toward the 30-Day Reset when you continue within 14 days. If not, the plan is yours to keep.
Do you do credit repair?
No. I teach how credit works and help you build a plan. Credit repair is a different, regulated service.
Who is Zuli?
Zuli is the AI coach in your client dashboard. Between sessions you can ask Zuli questions about your own plan, and get explanations and next steps based on it. Zuli doesn't replace your sessions with me, and bigger decisions always come to me. See Privacy & AI (under Resources) for exactly what Zuli can see.
30-Day Money Reset · week 2 of 4
Jordan's Money Map
This month by category
Bar = spent so far · line = planCategoryPlanSpent
Debt payoff plan
Notes from Pedro
This week's actions
Your Reset
Ask Zuli
Zuli is an AI assistant, not a person or licensed professionalAnswers come from your plan above. Education only, not financial, tax or legal advice. Bring big decisions to your next session.
Don't enter Social Security numbers, account or card numbers, passwords or tax documents in this chat.
How the client dashboard works
One shared plan, kept up to date by you and Pedro
Every 30-Day Reset client gets a private dashboard. It follows the month from your first session to your last.
- 1Pedro · after your Money Map
Your plan goes in
Pedro enters the budget you agreed on, by category, along with your debts and your first three actions. You get a sign-in link by email.
- 2You · once a week, about 2 minutes
You add what you spent
Type in totals by category from your bank app or receipts. Bars turn red when a category goes over plan, so you see it before the month ends.
- 3You · during the week
You tick off your actions
Each week has a short list of dated actions. Ticking them off shows Pedro what's done before your next session.
- 4Pedro · every week
Pedro checks in
Pedro reviews your numbers, leaves a note, and sends your weekly check-in message. Sessions start from what the dashboard shows, not from memory.
- 5You · any time
You ask Zuli
Zuli, your AI coach, answers questions about your own plan between sessions. Bigger decisions go to Pedro at your next session.
- 6You and Pedro · day 30
You keep the plan
At your last session you set next month's numbers together. The dashboard stays yours, whether or not you continue coaching.
Who sees it
Only you and Pedro. Nobody else sees your numbers.
What you share
Category totals only. No bank logins, account numbers or statements, ever.
What it isn't
Not a bank or a budgeting app that moves money. It never connects to your accounts or pays anything.