Foundations: Where Money Habits Begin
This track builds the core reflection skill used throughout the rest of the course: tracing a present-day reaction back to its likely origin, without judgment. It works well as a first step, whatever pattern you eventually explore further.
- Family Scripts: identifying the unspoken money rules you grew up with
- First Memories: locating your earliest distinct memory involving money
- Naming the Pattern: putting a plain, specific label on a recurring reaction
- Weekly Practice Setup: establishing a simple, sustainable reflection rhythm
Saving & Scarcity
For those who save well beyond what current circumstances require, or who feel physical discomfort spending on themselves even in comfortable financial situations. This track examines scarcity conditioning: the felt sense that resources could disappear at any moment, regardless of present stability.
- Tracing early experiences of financial scarcity or unpredictability
- Distinguishing prudent saving from protective hoarding
- A structured "permission to spend" weekly exercise
- Revisiting the difference between "enough" then and "enough" now
Generosity & Guilt
For those who give freely, sometimes past the point of comfort, and then quietly resent it. This track looks at generosity used as a way to earn approval or avoid conflict, alongside discomfort with receiving help or gifts from others.
- Separating chosen generosity from obligation-driven giving
- Tracing early rules about being "the helpful one" in the family
- Practicing receiving without an immediate urge to reciprocate
- Setting a personal, adjustable boundary around giving
Avoidance & Anxiety
For those who let statements pile up unopened, delay decisions, or feel a low, steady dread around checking their financial standing. This track works gradually, using small, tolerable exposure rather than asking for an immediate full review.
- Identifying what avoidance is protecting you from feeling
- A graded exposure sequence for checking financial information
- Distinguishing useful caution from avoidance dressed as caution
- Building a repeatable weekly "checking-in" ritual
How Modules Are Structured
Reflection paired with a small, daily step
A written insight can stay abstract if nothing follows it. Every module therefore closes each reflection with one specific, small action to repeat for several days, so understanding has a place to land in ordinary routine, rather than remaining only on paper.
Digital Workbook
A structured PDF workbook with prompts, space for writing, and short reference notes for each session.
Guided Audio Prompts
Short audio recordings that introduce each reflection exercise for those who prefer listening to reading.
Daily Practice Tracker
A simple printable or digital tracker to mark whether the day's small action was completed.
Flexible Pacing
Each track is designed for roughly a week and a half, but can be slowed down or revisited at any point.
Private by Default
Reflection entries are kept on your own device or account. There is no group sharing requirement.
Common Questions
Before You Choose a Track
It is recommended but not required. Foundations introduces the reflection method used throughout, so participants who skip it sometimes need a little more time to settle into the format of later tracks.
No. The course focuses entirely on the emotional and behavioral history behind money habits. It does not recommend specific financial products, investment strategies, or budgeting tools.
No. It is an educational, self-guided program. If reflection brings up material that feels clinically significant, we recommend speaking with a licensed mental health professional.
On average, participants spend around 20 to 30 minutes per week on written reflection, plus a few minutes daily for the paired practical step. Pacing is flexible.
Ready to See What Getting Started Involves?
The next page walks through what to expect in your first week, along with the materials provided from day one.
Getting Started