Three Paths Forward
Foundation Track
Perfect if you're starting from scratch or recovering from setbacks. We cover emergency funds, basic tracking, and dealing with debt without judgment. Most people finish in 8 weeks, though some take longer.
Building Track
You've got the basics down but want to push further. Investment fundamentals, property considerations, and balancing today's life with future planning. Runs for 12 weeks starting September 2025.
Independent Study
Work through materials on your schedule with monthly check-ins. Same content, different pace. Good for shift workers or parents juggling unpredictable schedules.
Real Progress From Real People
These aren't dramatic transformations or miracle stories. Just steady improvement from folks who put in the work.
Fiona Blackwood
Hospitality Manager
I'd been living paycheck to paycheck for years and honestly thought that was just how it worked in hospitality. The program didn't promise miracles, which I appreciated. Six months in, I've got three months of expenses saved and actually understand where my money goes. Still working on the investment stuff, but having that buffer changes everything.
Henrik Lindgren
Warehouse Supervisor
I joined after my divorce left me completely lost financially. Started with Foundation Track in early 2024 and moved to Building Track last autumn. What helped most was learning that setbacks are normal. Had a car repair wipe out my emergency fund in month three, but I knew how to rebuild it. That's the real skill.
Neve Fitzpatrick
Freelance Designer
Irregular income was my nightmare. Some months were great, others terrible, and I never knew how to plan. The program taught me to work with averages and build different types of buffers. Not gonna lie, it took me nearly a year to really get it. But now I can handle the feast-famine cycle without panic.
What You'll Actually Learn
We've stripped out the theory that sounds impressive but doesn't help. What's left is practical stuff that works when life gets messy.
Reality Check Module
Most budgets fail because they're based on fantasy. We start by tracking actual spending for two weeks without changing anything. It's uncomfortable but necessary. Then we build your system around what you actually do, not what you wish you did.
Weeks 1-2Safety Net Construction
Emergency funds sound boring until you need one. We help you figure out the right size for your situation and build it gradually. No shame if you can only save twenty dollars a week. That's still progress, and it compounds faster than you'd think.
Weeks 3-5Debt Strategy Workshop
Debt isn't a moral failing. It's a mathematical problem with emotional components. We look at interest rates, minimum payments, and psychological wins. Sometimes the "wrong" payoff strategy is right for you because it keeps you motivated.
Weeks 6-8Growth Foundations
Once you've got stability, we introduce basic investment concepts. Index funds, super contributions, property considerations. Nothing fancy or high-risk. Just building wealth slowly while still living your life.
Weeks 9-12