You're losing money without knowing it.

Not for people in real trouble with debt, and not for anyone looking for stock tips.

Most people I meet are losing money in four layers. Only the first one is visible.

• Leaks. What quietly leaves every month. You could always have seen this one. You've just never had a reason to look.
• the waterline
• Charges. What your pensions and investments take each year. Small percentages of numbers you never look at.
• Relief. Money HMRC owes you and will never mention.
• Sequence. What order it all goes in. This sits at the bottom because it decides what the other three are worth.

This is finding, not cutting. Nobody is going to ask you to give up your coffee.

What we do about it: twenty minutes a week. There's a route inside called My Path. It gives you one next step at a time and ticks things off as you do them. You don't work it out alone, and you don't need to clear a Saturday. None of it happens at a fixed time, either - the live calls are optional, and the replay is there whenever suits you.

Nobody has ever checked your working.

You've got a good career, you've read the articles, and you could probably explain compound growth over dinner. The principles were never the hard part. The hard part is knowing what it's actually costing you, and what to do first. Here's the order it happens in.

What's inside

• My Path. Your route. One next step at a time, from the day you join, and it doesn't stop at eight weeks.
• A live call every other Thursday, if you want it. Teaching and Ask Me Anything take turns, both at 12:30pm UK. Every call is recorded, so missing one live costs you nothing you need. Come live when you can and you'll go faster, because you get your own question answered in the room.
• The WhatsApp community. Christians on the same road, who'll notice if you go quiet.
• A 1:1 financial coaching call, once your four layers are on paper. You build your plan, out loud, with someone who knows which questions to ask. It unlocks on the route when it's worth having, not before.
• Every tool, now and in future. Including the ones that find your number, your charges and the relief you're owed. They save to your account.
• The Biblical Financial Masterclass. What the Bible actually says about money. It sells on its own for £185. Included.
• The content library - the foundation, not the main event. Budgeting, cashflow, debt, investing, ISAs, pensions, property and more. Filmed, searchable, on any device. We point you at the few videos that matter for you.

Who this isn't for

• The library isn't finished. It's good and it keeps growing, but if you want a complete, polished course to binge over a weekend, this isn't that yet.
• It isn't for you if you want to be told what to buy. We never will. We're an education business, not financial advisers. You'll be taught how to decide, and someone will check your working. The decision stays yours.
• It isn't for you if money is genuinely tight right now. The biggest levers in here are tax relief and structure, and they work hardest for higher-rate taxpayers and households with some margin to move. If that's not you yet, use the free budgeting tool and come back. And if you're in real difficulty with debt, StepChange is free, excellent, and the right call before anything I offer.
• It isn't for you if you won't do the diagnostic and give it twenty minutes a week. Little and often beats a heroic weekend every time.

Who it is for

• You earn over £50,270, or you're on the way there, and nobody has ever checked your working.
• You're aged 25 to 50, have a full-time job, and likely weren't ever taught how to manage what you're now making.
• You earn well, but the months slip by and nothing has changed.
• You want your faith and your money in the same room for once.
• You'd rather do this alongside people than on your own at eleven o'clock at night.

What it costs

Two other ways to pay, below ↓

Same membership, same everything. These cost less overall because more of it is paid up front.

Your monthly price is locked for as long as you stay. It rises for people who join later. No minimum term. Cancel whenever you like and nobody will make it awkward.

Waiting isn't free.

For comparison: the planning software we used in private banking came with a £3,500 to £5,000 fee for a plan and a handshake. What it never included was anyone still being there in March, when the plan meets real life. That's the part this is built around.

There's no countdown timer on this page and there never will be. But every month you wait, the charge keeps running, the leak keeps leaking, and each April the oldest year of relief you could have claimed drops off for good.

You start the day you join. Your sign-in arrives the same day, the route gives you your first step, and a live call comes round every other Thursday for your questions, so you never start lost. I take up to 25 new people a month, because that's how many people I can properly look after as they come in.

The 60-day guarantee

When I refund, your membership ends and nothing further is taken. Monthly payments already made aren't refunded - by then you've had the library, the tools, the community and the calls. On the three-payment plan, your instalments cover your joining fee plus months two and three, so I refund what you've paid less your monthly fee for each month after your first, and cancel the rest of the plan. Email [email protected] to claim. Your 14-day statutory cooling-off right sits alongside this, not instead of it.