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Money Mastery Membership
Comprehensive personal finance courses, 1:1 coaching, and budgeting tools in one subscription.
About Money Mastery
We help individuals turn income into lasting progress through structured education, supportive coaching, and practical tools that make everyday financial decisions simpler.
Membership Overview
See exactly what is included and how the subscription helps you progress from confusion to confident control.
Core Foundations Curriculum
Master the essential building blocks that support every smarter money decision you will make.
Setting Financial Goals
Translate values into measurable outcomes using SMART framing, clarify time horizons, quantify amounts, and define success markers; build quarterly reviews, decision rules, and contingency triggers to adapt goals when life events, market shifts, or obligations change unexpectedly.
Cash Flow Mapping
Track inflows by source and timing, identify fixed, variable, and seasonal expenses, surface leaks, and create buffers; model scenarios for raises, new debts, or childcare costs, and implement a monthly closeout routine producing a reliable surplus you can allocate intentionally.
Building Your First Spending Plan
Compare zero-based, envelope, and percentage methods, select one that fits your volatility, assign categories and caps, and schedule paycheck-based reviews; connect sinking funds, automate priorities, and install guardrails preventing overspending and ensuring planned purchases happen without credit reliance.
All-Access Membership
Unlimited access to the full course library, budgeting workspace, live workshops, and community, plus monthly coaching credits and progress tracking that keep you accountable and moving toward concrete milestones.
/month
Premium 1:1 Coaching
Personalized sessions with a seasoned coach focusing on your budget, debt plan, and investing setup, including customized action plans, scripts, and follow-up notes to ensure execution between meetings.
9/session
Budgeting Tools Pro Add-On
Advanced automations, multi-account syncing, custom rule sets, and reporting exports for households or freelancers who want deeper control and faster workflows inside our budgeting workspace.
/month
Budgeting Systems and Tools
Use streamlined templates and secure integrations to make budgeting faster, clearer, and consistent.
- Zero-Based Budgeting Workspace Leverage our prebuilt monthly and weekly views, rollover logic, and goal-linked categories; input paycheck dates, simulate cash gaps, track category aging, and receive alerts when rules are broken, so you maintain discipline without micromanaging every transaction or spreadsheet cell.
- Envelope and Category Rules Create digital envelopes with caps, replenishment frequencies, and expiration dates; define must-fund priorities before wants, set seasonal boosts, and link sinking funds to upcoming events, ensuring predictable affordability for travel, gifts, insurance premiums, and annual subscriptions without unpleasant surprises.
- Automation and Bank Sync Securely connect institutions with read-only access, categorize transactions using rules, import historical CSVs, and reconcile balances monthly; automate transfers for savings, debt, and investments, and audit logs ensure traceability whenever categories are changed or budgets are adjusted for accuracy.
Debt Reduction Accelerator
Replace uncertainty with a clear sequence for paying balances down efficiently while protecting cash flow.
Choosing Snowball or Avalanche
Run payoff simulations using interest rates, balances, and minimums, then choose snowball for momentum or avalanche for cost savings; create payment calendars, automate transfers, and commit to reassign freed payments immediately to the next target until every account is closed.
Interest and Fee Negotiation
Prepare call scripts, hardship documentation, and payoff proposals; request temporary rate reductions, payment date changes, or fee reversals, and compare balance transfer offers, factoring promotional windows, transfer fees, utilization impacts, and exit plans to avoid more expensive debt traps later.
Consolidation and Refinancing Safeguards
Evaluate consolidation loans using total interest costs, amortization speed, collateral risk, and prepayment penalties; model worst-case scenarios, keep old accounts open for credit history, and implement a spending freeze until new routines and safeguards reliably stabilize your monthly surplus.
Savings and Safety Nets
Build cushions that absorb surprises without derailing long-term plans.
Emergency Fund Setup
Calculate an appropriate target using essential expenses, job stability, and dependents; choose account types for liquidity and yield, schedule automatic transfers, and set thresholds triggering pause or resume rules, so your buffer grows steadily and remains available when life happens unexpectedly.
Sinking Funds Planning
Estimate annual and irregular costs like insurance, maintenance, travel, and technology; divide totals by months, assign categories, and connect due dates to calendar reminders, ensuring purchases feel routine rather than emergencies and preventing reliance on expensive credit during predictable seasons.
High-Yield and Access Strategy
Compare high-yield savings, money market, and short-term treasuries for yield, liquidity, and safety; set laddering rules, name accounts by goal, and document withdrawal criteria so you never raid investments prematurely or derail plans when short-term needs arise unexpectedly.
Investing Essentials and Beyond
Learn simple, evidence-based investing principles and scalable tactics you can maintain for decades.
Credit Score Mechanics
Learn how utilization, payment history, age of accounts, mix, and inquiries interact; plan utilization targets, time applications thoughtfully, and keep utilization low across cards by raising limits responsibly and prepaying balances before statement cycles close each month.
Disputes and Report Hygiene
Pull all three reports, identify inaccuracies, and file disputes with documentation; freeze unused reports when appropriate, set monitoring alerts, and build a calendar for periodic pulls so errors are caught early and resolved before applications or rate changes matter.
Smart Borrowing Framework
Define clear borrowing goals, compare terms beyond interest rates, and stress test payments; evaluate collateral, prepayment flexibility, and fees, and ensure new debt accelerates income or efficiencies rather than funding lifestyle inflation that undermines stability and long-term wealth.
Income Growth and Career Leverage
Increase earnings through targeted negotiation, skill stacking, and validated side income experiments.
Contact usNegotiation Timing and Scripts
Analyze market ranges, quantify your impact using metrics, and align requests with budget cycles; practice concise scripts, anticipate objections, and propose tiered options that let managers say yes while preserving relationships and opening paths to future advancement opportunities.
Side Hustle Validation
Test ideas quickly using problem interviews, scrappy prototypes, and small paid trials; define success metrics, estimate costs, and set kill criteria, protecting your time and capital while doubling down on opportunities that demonstrate real demand and profitable unit economics.
Freelancer Finance Toolkit
Structure pricing, contracts, and payment schedules; separate business and personal accounts, set aside taxes automatically, and build a revenue buffer, ensuring stable owner pay even when invoices are delayed, clients churn, or seasonal demand creates unpredictable month-to-month volatility.
Tax Planning and Compliance
Reduce surprises and keep more of what you earn through proactive, organized tax behaviors.
Withholding and Estimates
Use calculators to right-size paycheck withholding, adjust Form W-4 confidently, and plan quarterly estimates; incorporate raises, bonuses, or business income changes, and prevent penalties by reconciling year-to-date projections against safe harbor thresholds every quarter without fail.
Deductions, Credits, and Records
Identify eligible deductions and credits, track substantiation with digital receipts, and tag transactions by category; maintain mileage logs, segregate personal and business expenses, and keep retention schedules so documentation is accessible during filing and withstands any reasonable examiner inquiry.
Filing Workflow and Checks
Prepare with checklists, reconcile information statements, and calculate projections; file electronically with direct deposit, store confirmations securely, and schedule post-filing reviews to adjust withholdings, estimated payments, or contributions while lessons are fresh and numbers remain verifiable.
Coverage Gap Assessment
Survey health, disability, life, auto, renter, homeowner, and liability policies; calculate replacement needs, evaluate waiting periods, and model out-of-pocket maximums, then prioritize affordable upgrades where exposure is highest and renegotiate or downgrade where redundancy or excess coverage wastes money.
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Policy Selection Criteria
Compare premiums, deductibles, exclusions, riders, and claim experiences; weigh insurer ratings and financial strength, and align terms with your risk tolerance and cash reserves to avoid surprises when filing claims or facing short-term income disruptions and unexpected medical bills.
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Claims Process and Emergencies
Document incidents promptly, gather estimates and photos, and contact providers; follow escalation steps, meet deadlines, and track reimbursements in your budget, ensuring emergencies are stressful but financially manageable because procedures and cash reserves were established in advance.
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Mindset, Habits, and Accountability
Install routines and cues that make good decisions easy and sustainable.
Coaching and Support
Get individualized guidance, structured group learning, and responsive help whenever you need clarity.
1:1 Coaching Process
Complete an intake, set priorities, and meet your coach on a cadence that fits your schedule; review metrics, practice scripts, and receive action plans with checklists, resources, and templates so implementation feels clear, measurable, and timely between sessions.
Workshops, Q&A, and Clinics
Attend live workshops on budgeting, debt, investing, and taxes; bring questions to office hours, receive targeted feedback during clinics, and leave with practical next steps and follow-up resources that translate concepts into confident action the same week.
Member Support and Resources
Get fast answers via chat and email, browse a searchable knowledge base, and access tutorial videos; receive account troubleshooting, billing help, and feature walkthroughs so platform hurdles never slow your learning or distract from improving your financial results.