A structured approach to building practical money management skills through real scenarios and personalized guidance. Our program runs from September 2025 through March 2026.
We've designed different pathways based on where people actually are with their finances. Pick the one that matches your current situation—you can always adjust as you go.
You're just starting to organize your finances. Maybe you've been avoiding bank statements or feel uncertain about budgeting basics. This track covers income tracking, expense categorization, and building your first emergency buffer.
8 months • Tuesday eveningsYour basics are sorted but you want more control. You're thinking about debt reduction strategies, starting to save consistently, and wondering about investing. We cover medium-term planning and financial decision frameworks.
8 months • Wednesday eveningsYou manage money well enough but want to optimize. This covers tax planning approaches, property considerations, investment portfolio thinking, and long-term wealth building strategies for Australian households.
8 months • Thursday eveningsFoundation Phase
Months 1-3: Core concepts and personal assessment
Application Phase
Months 4-6: Real scenarios and skill building
Integration Phase
Months 7-8: Personal planning and next steps
Foundation Track • Completed March 2025
I had three credit cards I was juggling and honestly no clear picture of where money went each month. Kept meaning to sort it but never did.
Week five we did expense mapping. Seeing everything laid out like that was a bit shocking but also made it obvious what needed to change first.
Down to one credit card that I pay off monthly. Got a simple tracking system that actually works for me. Not perfect but way more in control than before.
Growth Track • Completed February 2025
Had savings but they just sat there. Wanted to invest but got overwhelmed reading about shares and kept putting it off.
The session on risk tolerance helped me understand why I was hesitating. Turned out my concerns were valid—I just needed a different approach than what I'd been reading about.
Started with a conservative managed fund that matches my comfort level. Not chasing huge returns but my money's actually working now instead of just sitting.
Maximum 12 people per track. Everyone gets attention and we can adapt based on what the group actually needs to work through.
We use actual situations from Australian households—bills, insurance decisions, super options. Not theoretical examples from textbooks.
Group chat stays active after the program ends. Questions come up and it helps to have somewhere to ask without booking a formal appointment.
Strategic Track • Completed January 2025
Running my business okay but personal finances and business finances were kind of blurred. Tax time was always stressful because I hadn't kept things separated properly.
Learning proper structure for keeping things separate was huge. Also the sessions on tax planning made me realize I'd been missing some pretty basic deductions.
Got systems now that keep business and personal truly separate. Working with an accountant more effectively because I understand what they need from me. Last tax season was actually straightforward.
Foundation Track • Completed April 2025
Fresh out of uni, first proper job. Had student debt and no idea how super worked or whether I should even care about it yet.
The compound interest demonstration was eye-opening. Small super contributions now make a massive difference later—wish I'd understood that earlier.
Paying extra into my HECS but also started salary sacrificing a bit into super. Got a plan now instead of just letting things happen automatically.