The full curriculum

The path from seed to tree.

Every member moves through the same three stages — at their own pace, in whatever order fits their situation.

30+ lessons (and growing) are ready now. Three new lessons are added each month, one for each stage.

Stage 01 · Seed

Get ItPlant the Seed

Lessons built around starting small and starting now: your first negotiation ask, your first $50/month side income stream, your first skill investment.

A woman on her front step writing a list in a notebook, phone in her other hand.
Read the Get It articles →Back to the three stages ↑

Module 1Mindset & Foundation

  1. The power of taking control of your financial future today
  2. How fear prevents people from making good decisions
  3. How to master money

Module 2Assess & Plan

  1. What is your financial picture
  2. Steps to improve your financial picture
  3. Set goals that you can reach

Module 3Increase Your Income

  1. Interview and resume positioning
  2. How to ask for a raise in writing
  3. Starting a side income with no capital
  4. Freelancing and service-based income basics
Stage 02 · Sprout → Growth

Grow ItTend the Seed

Lessons on patience over intensity: automated small investing, letting compound interest work quietly, and resisting the urge to chase fast returns.

A smiling couple at a wooden dining table with a laptop, notebook, calculator and a Financial Planner binder, planning their budget together.
Read the Grow It articles →Back to the three stages ↑

Module 1Spending Awareness & Discipline

  1. Financial discipline creates emotional freedom
  2. How poor spending affects long-term goals
  3. The hidden cost of not tracking your spending
  4. The long-term cost of constant financial procrastination
  5. The true financial impact of subscription spending
  6. How to add/save $200–$300 a month to your household

Module 2Building the Investment Habit

  1. How to start an investment account with a little money
  2. Compound interest in real numbers
  3. Index funds and retirement accounts, explained plainly

Module 3Growing Beyond the Basics

  1. Real estate and small-scale investing basics
  2. Turning a side income into an asset
Stage 03 · Mature tree

Keep ItProtect the Harvest

Lessons on guarding what's grown: budgeting as pruning, insurance as protecting the roots, and closing the leaks that quietly undo years of progress.

Smiling Black couple in their sixties, the man in a navy sweater and the woman in a mustard cardigan holding a pen over a planning booklet, sitting across a white table from a financial adviser seen from behind in a sunny dining room.
Read the Keep It articles →Back to the three stages ↑

Module 1Mindset & Awareness

  1. The real cost of living beyond your means
  2. The risk of relying on one source of income
  3. The true value of consistent saving habits
  4. Why borrowing money without a plan creates more stress
  5. Why building wealth requires patience

Module 2Budgeting & Debt

  1. Why budgeting feels difficult and how to make it simpler
  2. Budgeting that actually survives real life
  3. Why credit card debt becomes harder to escape over time
  4. Debt payoff strategy: order of operations, without getting ripped off

Module 3Credit & Taxes

  1. How your credit score is determined
  2. Credit: good vs bad, and when to use it
  3. Understanding taxes and how to legally pay less

Module 4Protection

  1. Why ignoring insurance can become a costly mistake
  2. Why ignoring emergency savings creates bigger problems later
  3. Spotting scams and protecting your accounts
Founding membership

Start with the stage you need most.

Founding doors open November 2, 2026. Join as one of the first 50 members and you pay $17 a month for all three stages. Your founding rate never goes up as long as you stay subscribed.

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