Behavior-First Money Coaching

Close Your Money Behavior Gap

It's not you. It's the system. Most financial advice is BS because it assumes you're a rational robot. You're not—you're a human with an ancient brain in a digital mall.
I'll show you how to spend smart, save automatically, and stop the guilt spiral—using a framework built for how humans actually operate.
No spam. No spreadsheets required. Just behavior that works.

If Math Worked, You'd Already Be Rich

Everyone with a calculator would be a millionaire. Willpower is a finite resource, and you can't out-math an ancient brain experiencing a dopamine spike. Here's what's really sabotaging your money:
🧠

Your Biology

Dopamine and instant gratification hijack every checkout button. Your ancient brain wants the reward NOW.

💞

Your Beliefs

The oxytocin trap and peer pressure. You buy to belong, to soothe, and to signal—not to optimize.

📱

The Tech

Frictionless spending and algorithmic targeting. FinTech was engineered to bypass your judgment.

The Solution

The Money Behavior System

A behavior-first, 5-step framework designed for how humans actually operate. Stop fighting 200,000 years of biology. Start building guardrails aligned with your natural Money Temperament.
STEP 1

Discover

Identify the Money Values that fuel your real goals.

STEP 2

Uncover

Map your Money Temperament—your financial DNA.

STEP 3

Apply

Diagnose your learning style so knowledge sticks.

STEP 4

Architect

Build your Money Strategy with a Personal Financial Audit.

STEP 5

Execute

Deploy a One-Size-Fits-YOU tactical Money Plan.

What You'll Actually Get

Real behavioral tools, not another shame-based budget you'll abandon in 3 weeks.
🎯

Know Your Temperament

Stop apologizing for your wiring. Learn how you're actually built to handle money.

🛡️

Behavioral Guardrails

Simple rules and automations that don't rely on willpower to keep working.

📋

Personal Financial Audit

A clear-eyed look at your life so your plan matches reality—not a spreadsheet fantasy.

💬

No Jargon Zone

Common-sense behavioral language. No dense finance-speak. No spreadsheet anxiety.

🧭

One-Size-Fits-YOU Plan

A tactical roadmap tailored to your temperament, values, and real life—not a template.

🕊️

Peace of Mind

Confidence in your choices. Less guilt. More alignment between money and meaning.

Choose Your Path

Start where you are. Move at your pace. Every tier is behavior-first.
Entry Course

Introduction to the Money Behavior System

$47
One-time. Lifetime access.
  • Discover your Money Temperament
  • The 3 Trinity spending saboteurs
  • Behavioral quick-start checklist
  • Foundational MBS framework
Enroll for $47
MOST POPULAR
Flagship Course

Spending Smart: Master the MBS

$397
Full 5-step MBS framework.
  • All 5 MBS steps (Discover → Execute)
  • Personal Financial Audit workbook
  • Your One-Size-Fits-YOU roadmap
  • Learning-style-matched delivery
  • Everything in the $47 course
Master MBS for $397
Premium Coaching

Small Group Coaching

$597
4 weekly sessions + community.
  • 4 live weekly Zoom sessions with Ted
  • Private community Zoom access
  • Hands-on MBS implementation
  • Peer accountability & feedback
  • Everything in Spending Smart
Join Coaching for $597

Straight Answers

No fluff. Real questions. Direct answers.
"I've tried budgets before. Why would this work?"
Budgets assume you're a rational robot. You're not. 95% of your spending is emotional and automatic. MBS is built for how humans actually operate—we install behavioral guardrails so you don't have to rely on willpower.
"Do I need to be good with numbers?"
No. Behavior comes first, products second. If you can notice a feeling and follow a simple rule, you can master this. Spreadsheets are optional—and honestly, discouraged early on.
"What's the difference between the $47 and $397 course?"
The $47 Intro covers your Money Temperament and the foundations of MBS. The $397 Flagship walks you through all 5 steps—Discover, Uncover, Apply, Architect, Execute—with your Personal Financial Audit and a full One-Size-Fits-YOU roadmap.
"Is coaching worth $597?"
If you thrive with accountability and real-time coaching, yes. Four weekly sessions plus a peer community accelerate implementation dramatically. If you're a self-starter, start with the $397 course.
"Who is this NOT for?"
If you want product picks, hot stock tips, or a magic spreadsheet, look elsewhere. This is behavior-first coaching for humans who are ready to look in the mirror before opening the brokerage app.

Stop Fighting Your Ancient Brain

The formula is simple: (Time × Money × Rate of Return) ÷ BEHAVIOR = Financial Security. Fix the behavior, and everything else compounds. Pick a course or a coaching package and let's build a system that fits YOU.
Questions? Email ted@tedmclyman.com