Each programme is priced before the first call, the longer ones can be split into monthly payments, and nothing is sold alongside.
90-day programme
90-day cash-flow reset
Six one-hour sessions, a fortnight apart, built on the last 90 days of real spending. Fixed bills are pulled apart from flexible ones, irregular costs such as car repairs and holidays get their own sinking funds, and a 15-minute payday routine replaces the end-of-month scramble.
- Last 90 days of spending reviewed
- Sinking funds set up for irregular bills
- Or three monthly payments of $230
Boundary: Coaching only. No financial product is sold, recommended or arranged, and money is never managed on a client's behalf.
Best for: Households with a steady income that still reach payday with nothing left.
$690
Ask about 90-day cash-flow resetCouples programme
Couples money alignment
Six 75-minute joint sessions with a coach who takes neither side. Together you choose an account structure (yours-mine-ours, a proportional split or fully pooled), agree personal spending money that needs no explaining, and set up a calm 20-minute monthly money date.
- Account structure chosen together
- Personal fun money agreed for both
- Or three monthly payments of $280
Boundary: Work is done from statements the client provides. Bank accounts are never linked and login details are never held.
Best for: Engaged, newly married or long-term partners who keep putting off the money talk.
$840
Ask about Couples money alignmentSingle intensive
Debt and student loan roadmap
One 90-minute intensive that lists every balance, APR and minimum payment, sets the avalanche and snowball orders side by side, compares federal income-driven repayment with the standard plan, and builds a starter buffer so the cards stop being used again.
- Every balance, APR and minimum listed
- Avalanche and snowball compared
- Written month-by-month payoff schedule
Boundary: Creditors are not contacted on a client's behalf, and no debt is consolidated, refinanced or negotiated here.
Best for: Anyone juggling cards and student loans with no clear order for paying them off.
$295
Ask about Debt and student loan roadmapTwo-session system
Freelancer cash-flow system
Two one-hour sessions for freelancers, commission earners and creatives whose income swings from month to month. Every payment lands in one holding account and is split automatically into a tax reserve, baseline bills, a buffer and a steady personal paycheck every other Friday.
- Holding-account waterfall designed
- Tax set-aside automated
- Owner-pay waterfall template
Boundary: Scope covers personal and sole-trader cash flow. Company accounts, payroll and tax filing sit outside this service.
Best for: Freelancers, realtors and creatives living through feast-or-famine months.
$360
Ask about Freelancer cash-flow systemSingle intensive
Credit and home-readiness plan
A 90-minute intensive for anyone 6 to 18 months from buying a home or signing a major lease. Reports from all three credit bureaus are read line by line, utilisation and dispute steps are mapped, and the true cost of owning (taxes, insurance and upkeep) is set against the lender's maximum.
- Tri-bureau credit reports reviewed
- Down-payment and closing-cost savings plan
- 12-month milestone tracker
Boundary: Coaching covers credit habits and saving only. No mortgage is arranged, and no investment, pension or insurance advice is given.
Best for: Renters planning a first home purchase within the next 6 to 18 months.
$275
Ask about Credit and home-readiness planMonthly
Monthly accountability check-in
One 50-minute session a month, with messaging in between, to review the numbers and adjust for a raise, a new baby, daycare costs or a move. Drift is caught before it snowballs, and the arrangement can be cancelled in any month.
- One 50-minute session each month
- Messaging between sessions
- Cancel any month, no lock-in
Boundary: This keeps an existing plan on track. A first full picture needs one of the programmes or intensives above.
Best for: Programme graduates and self-starters going through a change in work or family life.
$135 / month
Ask about Monthly accountability check-in