Stop Watching Money Slip Through Your Fingers
We spent fifteen years learning what actually works in personal finance. Not the trendy stuff. Not the hacks. The strategies that hold up when life throws curveballs—and it always does.
See How It Works
The Truth About Saving
Most People Start With the Wrong Question
They ask "how much should I save?" when they really need to ask "what am I saving for?" I've seen folks put away 30% of their income with no direction—and blow it all within six months because they never had a reason to keep going.
Here's what changed everything for us: treating savings like a muscle. You don't go to the gym once and expect results. You build gradually. Miss a day? No drama. Just get back at it tomorrow.
Our approach starts with one simple number—what you need to sleep soundly at night. For some that's $2,000. Others need $15,000. There's no universal answer, and that's exactly the point. We help you find your number, then build a system that gets you there without turning your life into a spreadsheet.
Three Phases That Actually Stick
We break down the journey into manageable chunks. Each phase builds on the last, so you're never overwhelmed.
Foundation Building
Get your emergency buffer sorted first. We're talking 3-6 months of essential expenses. Everything else waits until this is locked in. No exceptions.
Goal Alignment
Match your money to your actual priorities. House deposit? Career change? Sabbatical year? We map out realistic timelines based on what you can comfortably set aside.
System Refinement
Life shifts. Incomes change. Kids arrive. We adjust your strategy as you go, keeping everything relevant to where you actually are—not where you thought you'd be three years ago.
Why Most Budgeting Advice Falls Apart
Because it treats you like a robot. Cut out coffee. Pack your lunch. Walk everywhere. Sure, those things help. But they're not a strategy—they're just a list of restrictions that eventually make you miserable.
We focus on the big stuff first. That gym membership you haven't used in eight months? The streaming services you forgot you had? The insurance policies you're overpaying for because you haven't shopped around since 2019?
- Identify recurring costs that don't match your current life
- Find better rates on essentials you actually need
- Build buffers that prevent panic spending when surprises hit
- Create spending rules that give you freedom, not restrictions
Programs Starting September 2025
Choose the depth that matches where you are right now
Foundations
One-time program fee
- Six 90-minute workshops
- Personal savings audit
- Budget framework template
- Email support during program
- Resource library access
Strategic Planning
12-week intensive
- Everything in Foundations
- Personal strategy sessions (4x)
- Custom savings roadmap
- Monthly accountability check-ins
- Priority support access
- Goal tracking tools
Full Transformation
Six-month partnership
- Everything in Strategic
- Bi-weekly coaching calls
- Complete financial review
- Investment guidance basics
- Tax optimization strategies
- Ongoing plan adjustments
- Direct message access
"I was earning decent money but somehow always broke by payday. Turned out I had $340 going out monthly to things I'd completely forgotten about. Within four months I'd built a buffer I never thought possible. The relief is hard to describe."
Lachlan Pembroke
Started program March 2024