Meet Jesse & Tati

The expat couple who went from paycheck-to-paycheck to saving 100k CHF in 12 months - and now help high earners do the same.

Jesse and Tati - YNAB Financial Coaches

Our story

In 2023, we were living the expat dream in Switzerland - good salaries, beautiful country, exciting opportunities. Yet somehow, every month we'd find ourselves with zero savings despite earning well into six figures.

We tried everything: elaborate spreadsheets, expense tracking apps, envelope methods, even YNAB (but quit within a week). Nothing stuck until Jesse dove deep into the YNAB methodology and taught Tati the system properly.

The transformation was dramatic: from 0 to 2-3k CHF saved monthly, reaching 100k CHF in 12 months, and buying our dream home by Lake Lugano. Now we help other high-earning expats and couples achieve the same results.

10+

Years as expats

3

Countries lived in

100k

CHF saved in 12 months

2-3 mo

Client results timeline

What makes us different

We combine technical expertise, entrepreneurial creativity, and real expat experience to deliver results.

Jesse: Software Engineer
Always worked in software, bringing logical systems thinking to decode YNAB's methodology. Understands the technical side that makes budgeting actually work.
Tati: Entrepreneurial Coach
Brings "Brazilian way" creative problem-solving with entrepreneurial background in retail businesses. Does the actual coaching with out-of-the-box thinking that gets results.
Deep expat experience
10+ years across US, UK, and Switzerland. We understand multiple currencies, international banking, tax optimization, and the unique financial challenges expats face.

Our philosophy about wealth

"We want to be rich ourselves. Money allows life to unfold in ways impossible without it. True wealth isn't random splurging - it's living aligned with your values, your personality unfolding naturally without financial constraints."

Jesse & Tati

Founders, On Top of Money

Ready to start your financial journey?

Let us help you build the financial foundation for the life you want to live.