Weeks 1–3 · The truth
Three months of real spending, sorted and faced without judgment.
The programs, in detail
Four programs of 8 to 12 weeks, all built on your real numbers and reviewed every week.
Program 01 · Stop guessing
Budget & cash flow
Most budgets fail because they describe an imaginary month. We pull your actual statements, sort what really happened, and build a plan that survives the messy parts: the birthday, the car repair, the month the paycheck is late.
Weeks 4–6 · The plan
Fixed costs, variable costs and a realistic buffer.
Weeks 7–9 · Automation
Transfers and bill dates arranged so the plan runs itself.
Weeks 10–12 · Irregular months
Handling bonuses, gaps and the expenses you forgot.
Weeks 1–2 · Everything on one page
Balances, rates, minimums, due dates.
Weeks 3–4 · The order
Choosing a payoff order and the extra amount that's realistic.
Weeks 5–9 · Momentum
Monthly progress, plus a plan for the months that go sideways.
Weeks 10–12 · Staying out
A buffer that keeps the cards from filling back up.
Program 02 · A finish line you can see
Debt payoff
Debt is as much a motivation problem as a math one. We map every balance and rate, choose between smallest-balance-first and highest-rate-first based on what will keep you going, and track the payoff date moving closer every month.
Program 03 · Build a real buffer
Savings & goals
We work out how much buffer your life actually needs, then build separate savings for the things you know are coming. We'll talk about where to hold cash in general terms, but we don't recommend specific accounts, funds or securities.
Weeks 1–2 · The buffer
How much is enough for your situation, and how fast to get there.
Weeks 3–4 · Naming goals
Timelines and monthly amounts for each one.
Weeks 5–6 · Separating money
Structuring accounts so goals don't quietly get spent.
Weeks 7–8 · Protecting it
Rules for when you're allowed to dip in.
Weeks 1–2 · Two histories
Where each of you learned what money means.
Weeks 3–4 · The structure
Shared vs personal, proportional or equal splits.
Weeks 5–6 · The system
Who pays what, and a monthly money date that stays short.
Weeks 7–8 · Big decisions
Agreeing in advance on how you'll decide the large ones.
Program 04 · Fewer fights, clearer rules
Money for couples
Most money arguments are really about safety and freedom. We get both of you talking about what money is for, then agree on rules: what's shared, what stays personal, who handles what, and a monthly conversation that takes fifteen minutes instead of ruining a weekend.
Ready to stop guessing?
Twenty minutes on a call about your situation, and an honest answer about whether we can help. Free.