Your money habits
run on autopilot
Most financial decisions happen before you consciously make them. This course unpacks the automatic routines behind spending and saving, then shows you how to gently redirect them toward healthier patterns.
Rational thinking plays a smaller role than we assume
When you reach for your phone to order food, when you tap your card without checking the total, when you skip moving money to savings this month — these aren't failures of willpower. They're habits. Patterns encoded in routine, triggered by context, executed almost without thought.
The course starts from this observation and works forward. Understanding that the mechanism is automatic changes how you approach changing it. You stop trying to out-think the habit and start reshaping the environment around it.
Read about our approachFour areas that quietly shape your finances
Each module looks at a different layer of financial behavior, from the triggers that start a habit to the environments that maintain it.
Habit Triggers
Every spending pattern has a cue — a time, place, emotion, or social context that sets it in motion. The course maps these triggers so you can see them before they fire.
The Routine Loop
Habits follow a loop: trigger, routine, reward. Once you understand where your financial routines sit in this loop, small adjustments become far more effective than broad resolutions.
Gentle Nudges
Rather than demanding discipline, the course focuses on nudges — small environmental and behavioral adjustments that make the healthier choice the easier choice. No willpower required.
Week-by-Week Pacing
Behavior change takes time. The course is paced deliberately across several weeks so new patterns have room to settle before the next layer is introduced. Sustainable rhythm over intensity.
How the course actually works
Each week introduces one concept from behavioral economics and one practical exercise. The concept gives you a mental model. The exercise gives you something to do that day.
We don't ask you to track every purchase or build a spreadsheet. Instead, the exercises focus on your existing environment — your phone layout, your payment methods, the physical spaces where spending decisions happen.
By the end, the goal isn't a budget. It's a slightly different set of automatic responses to the same situations you already face.
What each week explores
Choose how you engage with the material
The course content is the same across formats. What differs is the level of structure and support around it.
| Feature |
Self-Paced
Work at your own rhythm
|
Recommended
Guided
Structured weekly release
|
Deep Dive
Full material with extras
|
|---|---|---|---|
| All 6 weekly modules | |||
| Behavioral concept explanations | |||
| Weekly practical exercises | |||
| Paced weekly email prompts | |||
| Habit tracking worksheets | |||
| Extended reading materials | |||
| Behavioral pattern reference guide |
Grounded in established research
The course draws on behavioral science, habit research, and applied psychology. These are the fields that inform how the material is structured.
Behavioral Economics
The course is built on concepts from behavioral economics — how cognitive biases and heuristics influence financial decisions in ways that traditional economic models don't capture.
Habit Formation Research
Decades of habit research inform the structure of the six-week program. The pacing, exercise design, and emphasis on environment over willpower all reflect findings from this field.
Nudge Theory
Nudge theory — the idea that small design changes can shift behavior without restriction — is central to the practical exercises. It offers a gentler path to change than rules or resolutions.
Applied Psychology
Concepts from applied psychology — particularly around motivation, identity, and relapse — shape how the course handles the messy reality of behavior change in everyday life.
Questions about the course?
Reach out and we'll explain how the material works in more detail.