Money Mastery Made Simple

Subscription financial literacy courses with live coaching and budgeting tools.

About Money Mastery

We deliver subscription financial literacy courses with certified coaches and integrated budgeting tools to build skills, change habits, and achieve confident money decisions.

Start Here: How Your Subscription Works

Understand enrollment, billing, and how to get value from day one.

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Zero‑Based Budget Setup

Import last month’s transactions, assign every dollar a purpose, and plan fixed, variable, and sinking categories. Real‑time balances show remaining amounts per category. Adjust allocations with sliders, lock critical bills, and preview trade‑offs before committing. A setup checklist confirms nothing is overlooked, including irregular expenses.

Envelope Categories and Automation

Create digital envelopes for groceries, fuel, childcare, and fun. Set auto‑fills on payday, rollover rules, and alerts when envelopes dip below thresholds. Scheduled transfers move leftovers to savings or debt priorities. Historical trends recommend smarter amounts, reducing overspending spikes without tedious manual recalculation every single week.

Cash Flow Calendar

Visualize paychecks, due dates, subscriptions, and irregular income on a monthly grid. Drag items to adjust timing, and simulate paycheck allocation scenarios. The calendar projects your account balances daily, preventing overdrafts and highlighting gaps early. Sync reminders to your phone and share a view with partners.

Plans and Pricing

Choose a subscription that fits your needs and support level.

Starter Budgeting

Get the full budgeting toolkit, cash flow calendar, goal tracking, and self‑paced lessons. Ideal for beginners who want structure, clarity, and momentum without live coaching commitments.

/month

Coaching Plus

Everything in Starter, plus weekly live group coaching, accountability check‑ins, community forums, and advanced modules on debt payoff and investing fundamentals for steady, supported progress.

/month

Private Coaching Pro

All Coaching Plus features with monthly one‑on‑one sessions, personalized action plans, priority support, and detailed reviews of budgets, credit reports, and progress metrics for accelerated results.

9/month

Weekly Group Sessions

Join live workshops covering budgeting tactics, debt strategies, and investment basics. Coaches demonstrate tools on screen, answer chat questions, and assign small actions. Replays include timestamps and downloadable checklists. Participation badges reward attendance streaks, encouraging consistent learning without pressure or judgment from peers or instructors.

One‑on‑One Office Hours

Book a private slot to review your budget, credit report, or job offer. Share screens securely, receive personalized notes, and leave with a written action plan. Coaches log follow‑ups, track results, and adjust tactics. Sessions respect boundaries and focus strictly on education, not individualized investment advice.

Accountability Check‑Ins

Short midweek check‑ins keep goals visible. You will confirm what you completed, where you struggled, and which habit you will attempt next. Coaches celebrate wins, recalibrate targets, and schedule reminders, ensuring momentum continues between live calls and preventing drift toward old, costly patterns.

Building Strong Money Habits

Replace guesswork with repeatable routines that align daily actions with long‑term goals.

Spending Triggers Audit

Identify emotional, environmental, and social triggers that lead to impulse purchases. Use a guided worksheet to log context, time, and outcomes. Replace triggers with alternatives like wish lists, cooling‑off timers, or accountability messages. Track reduced incidents each week and quantify savings from avoided transactions accurately.

Automated Savings Systems

Create separate vaults for emergency, travel, and annual bills. Schedule percentage‑based transfers after payday, then add round‑up rules on everyday purchases. When envelopes refill, overflow routes to priority goals automatically. A monthly review compares projected versus actual contributions, highlighting adjustments needed to stay confidently on pace.

Habit Tracking and Streaks

Define two measurable weekly habits, such as reconciling transactions and packing lunch. The tracker records completions, streak length, and notes. Missed days trigger supportive prompts, not shame. Coaches review your trendline during sessions, proposing tweaks and celebrating breakthroughs to reinforce durable, self‑directed progress.

Debt Strategy and Payoff Plans

Eliminate debt methodically using clear models, negotiation scripts, and verified payoff timelines.

Snowball vs. Avalanche Calculators

Negotiating Lower Rates

Student Loans and Mortgages

Foundations of Investing

Learn simple, diversified investing that aligns with goals, risk tolerance, and time horizon.

Index Funds and ETFs

Understand expense ratios, tracking differences, and bid‑ask spreads. Compare broad market indexes with factor tilts. Use allocation templates for retirement, education, and taxable accounts. Simulate recurring contributions and rebalancing bands. Disclaimers emphasize education only; coaches cannot provide personalized security recommendations or promise performance, protecting your decision autonomy.

Risk, Allocation, and Rebalancing

Complete a risk questionnaire to set stock‑bond mixes matching volatility comfort. Choose rebalancing thresholds or schedules. The tool flags drift, suggests trades, and shows estimated taxes. Visual projections illustrate ranges of potential outcomes, clarifying why consistent contributions and diversification matter more than frequent, speculative moves or dramatic market timing.

Tax‑Advantaged Accounts

Compare employer plans, IRAs, HSAs, and 529s, including limits, deadlines, and eligibility. Understand employer matches, vesting schedules, and penalties. A wizard calculates expected tax savings from pre‑tax or Roth choices at your marginal rate. Integration sends target contributions to payroll forms and monthly budget categories seamlessly.

Income Growth and Career Finance

Raise your earning power and manage variable income without losing budget stability.

Salary Negotiation Playbook

Use data‑backed ranges, anchor assertively, and practice responses to common objections. Prepare a business case with quantified impacts and trade‑offs. The toolkit includes email templates, role‑play scripts, and timeline trackers. After negotiations, update your budget categories and automate new savings percentages before lifestyle creep erodes gains.

Freelance and Side Income Systems

Create separate business accounts, track invoices, and assign taxes automatically. Forecast cash gaps with pipeline stages. The app categorizes expenses, links receipts, and calculates profit per client. Quarterly reminders schedule estimated payments, while goals track reserves for downtime, equipment upgrades, and continuing education to sustain growth.

Taxes for Independent Earners

Estimate deductions using mileage logs, home office rules, and depreciation schedules. Export categorized reports for your preparer or software. Separate sales tax from income to avoid shortfalls. The calendar tracks deadlines and required forms, reducing penalties and interest while improving cash planning throughout demanding filing seasons.

Family and Shared Finances

Coordinate money decisions with partners and children using transparent tools and agreed rules.

Money Talks with Your Partner

Use agendas that separate dreams, realities, and next steps. Share dashboards with permissions, so each person sees relevant categories without micromanagement. Rotate facilitation monthly, document decisions, and set dollar thresholds requiring discussion. Conflict‑resolution prompts keep conversations constructive, protecting relationships while aligning budgets with shared priorities.

Kids, Allowances, and Teen Banking

Create chore lists tied to allowances, split between spend, save, and give buckets. Connect youth cards with limits and merchant controls. Lessons teach earning, compound interest, and safety. Parents approve transfers, review statements together, and celebrate goals, building confidence before college banking or independent employment begins.

Joint Goals and Big Purchases

Plan vacations, home down payments, or cars with shared timelines and contribution rules. Link offers, inspections, and contingency budgets. Scenario tools adjust price, rate, and taxes to show affordability ranges. When targets shift, the system redistributes envelopes transparently, documenting reasons for clarity and future reviews.

Emergency Planning and Insurance

Reduce vulnerability through cash reserves, appropriate coverages, and documented contingencies.

Set tiered targets for starter, core, and extended reserves. Calculate amounts from fixed costs, insurance deductibles, and job volatility. Progress bars show runway months. Automations sweep irregular income into reserves first, then switch to goals. An annual stress test validates that savings match realistic risk scenarios and responsibilities.
Compare health, disability, life, auto, renter, and homeowner policies with coverage limits, exclusions, and deductibles. Identify gaps relative to dependents and assets. Worksheets prepare conversations with agents. Renewal reminders trigger competitive quotes. Decisions feed the budget, accounting for premiums, deductibles, and reserves for potential out‑of‑pocket costs.
Record beneficiaries, transfer‑on‑death designations, and emergency contacts. Store will locations, executor details, and document checklists. Prompts encourage conversations with family. The platform tracks expirations, notarization requirements, and witnesses. Clear records minimize confusion during crises, protecting assets, honoring wishes, and reducing administrative burdens on loved ones.

Security and Privacy

Your information stays protected with strong controls, transparent policies, and respectful practices.

Data Encryption and Permissions

All connections use modern encryption, including TLS in transit and AES‑256 at rest. You can restrict account connections, control sharing, and revoke access instantly. Our systems isolate financial credentials, while audits, bug bounty programs, and role‑based access keep your data protected without compromising usability or speed.

Scam and Fraud Prevention

Learn to spot phishing, fake support calls, and identity theft attempts. We provide step‑by‑step checklists for freezing credit, contacting banks, and filing reports. Simulated phishing exercises build awareness. Alerts flag suspicious activity across accounts, prompting verification before money moves, reducing losses and recovery time substantially.

Credit Monitoring and Disputes

Sync your reports, track score factors, and set alerts for new accounts or inquiries. If errors appear, generate dispute letters, attach evidence, and monitor responses. The dispute tracker records deadlines and outcomes, while budgeting rules adjust spending assumptions until corrections restore accurate credit utilization ratios.

Progress Tracking and Recognition

See measurable improvement through assessments, milestones, and personalized next steps.

Skills Assessments and Quizzes

Short quizzes validate understanding of budgeting, debt, and investment concepts. Explanations show why answers are correct or not. Scores feed your dashboard, unlocking lessons or review modules. Coaches interpret results in sessions and recommend targeted practice, reducing blind spots and reinforcing mastery efficiently across essential money topics.

Badges, Milestones, and Certificates

Earn badges for consistent budgeting, debt payoff milestones, and emergency fund targets. Certificates recognize course completion and coaching participation. Shareable achievements can be added to professional profiles. The system prevents vanity metrics, focusing on behaviors linked to results, ensuring recognition remains meaningful rather than superficial or distracting.

Personalized Recommendations

Your learning plan updates weekly based on progress, spending patterns, and goals. Recommendations include specific lessons, tools, and coaching sessions. Each suggestion lists expected time, benefits, and prerequisites. Accepting a recommendation adjusts your calendar and budget tasks automatically, streamlining momentum without overwhelming you with competing priorities or noise.

Community and Support

Learn alongside others and get help fast whenever questions arise.

Peer Forums and Groups

Join moderated discussion spaces organized by goals, life stage, and location. Share wins, obstacles, and tactics. Community guidelines encourage kindness and privacy. Topic tagging surfaces relevant threads quickly. Coaches summarize popular questions weekly, linking to resources and clarifying misconceptions without replacing individualized analysis from qualified professionals.

Success Stories and Case Studies

Explore real timelines showing debt elimination, income raises, and savings growth. Each case lists starting numbers, decisions made, and key tools used. You will see mistakes avoided and pivots that mattered, providing honest, motivating examples adaptable to your situation without sensational claims or unrealistic shortcuts.

Help Center and Response Times

Search articles covering connections, budgets, privacy, and billing. Contact support via chat or email. We publish typical response times and uptime metrics. Urgent issues trigger priority routing. Detailed incident updates explain cause, impact, and resolution steps, maintaining transparency while we restore normal service quickly and reliably.