You know what would be a better investment in yourself? Either some online resources for meditation and/or self-affirmation hypnosis or a real-life class in either.

Don't keep talking to the "life coach" that person is waiting for you to have another lousy day and agree to this arrangement and if that person truly had your best interests at heart, he/she wouldn't be asking you to commit to something you cannot afford. So there's proof that person doesn't care about you.