Look, we've all been there. You want to save more, but every time you search online, you get a thousand different opinions. Some people swear by high-interest accounts. Others tell you to invest immediately. And here you are, just trying to figure out what actually works.
Explore Learning OptionsDifferent situations call for different approaches. Instead of throwing generic advice at you, we help you figure out what might actually work for your circumstances.
Maybe you've never had a savings plan. That's completely fine. You're probably wondering where to even begin without feeling overwhelmed by financial jargon or complicated strategies that seem designed for people who already have money.
You've managed to put aside a few thousand dollars. Now you're stuck wondering if it's actually working for you. Should it be somewhere else? Are you missing opportunities? The questions multiply faster than the savings grow.
You understand the basics but sense there's more you could be doing. Maybe you've read about offset accounts, term deposits, or diversification but aren't sure how these pieces fit together for your specific goals.
These are the real issues people bring to us. Not theoretical problems from textbooks.
Everyone says you need three to six months of expenses saved. But what does that actually mean when your expenses change every month? And where should this money sit? Your regular account? A separate one?
Our approach:We work through calculating your actual baseline expenses and show you how to structure accounts so you're not constantly transferring money around or losing access when you need it.
Banks advertise high rates, but they come with conditions. Deposit a certain amount each month. Don't make withdrawals. Link this card. Use that feature. Before you know it, you're failing conditions you forgot existed.
Our approach:We break down how these accounts actually work in practice and help you decide if the effort matches the benefit. Sometimes a simpler option serves you better, even at a slightly lower rate.
You want to save for a house deposit, build an emergency fund, and maybe put something aside for a holiday. How do you split limited funds between competing priorities without feeling like you're making zero progress on any of them?
Our approach:We help you create a staging system that acknowledges you can't do everything at once. Priorities shift based on your timeline and circumstances, and that's completely normal.
We're starting our next cohort in September 2025. Here's what the structure looks like, though we adjust based on what participants actually need as we go.
We spend the first few sessions figuring out where you're starting from. Not in a judgmental way, just getting clear on your current situation so we're not suggesting strategies that don't fit.
This is where we work on creating a savings structure that matches how you actually live. Some people need automation. Others prefer manual control. There's no universal right answer.
You try the approach for a few months while we check in regularly. Things rarely work perfectly the first time, and that's expected. We refine until it feels sustainable for your life.
These are from people who went through our autumn 2024 program. Results vary because everyone's situation is different.
I came in thinking I needed complex investment strategies. Turned out I just needed better account structure and clearer priorities. Three months in, I'm actually sticking to a plan for the first time in years.
The best part was learning that my approach wasn't wrong, it just needed tweaking. I wasn't behind or failing. I just needed someone to help me see what was actually happening with my money versus what I thought was happening.