Get the Guide (Before Wasting Another Year)

Plus, get exclusive bonus material plus a $300 course coupon to fast-track your financial freedom.


Everyone told me I'm crazy to "give" my course away. Maybe I am. But I'm passionate about helping you to start spending smart.
Instant access. Clear steps. Real momentum.
Here's What You'll Learn!

Create a Life of Freedom in Three Easy Steps

Bonus Quick Start Video: Learn the steps for creating time and money freedom for you and your family.

Step 1
Clarify what “freedom” means for your life and set a simple target you can measure.
Step 2
Create a weekly plan that protects your time and focuses on the highest-impact actions.
Step 3
Build momentum with a repeatable process you can keep using for time + money freedom.
No fluff—just practical steps you can apply immediately.
Free Guide + Community Access
Your behavior-first approach to financial wellness

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Find out the 3 easy steps to financial freedom that money experts don't tell you, and chat with other Spending Smart members.

If you are a coach or consultant, join the Coaches & Consultants Community Vault. It is a place to bring together people who want to grow through referrals, partnerships, and shared insights.



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If you have difficulty downloading the Guide, email me at: ted@tedmclyman
For Coaches, Consultants, Entrepreneurs & Growth Leaders

Add the Money Behavior System™ to Your Coaching Edge

Discover how to bring behavior-based financial wellness into your work, deepen client transformation, and stand out with a practical system designed for real-life results.
For Coaches & Consultants

Why MBS Belongs in Your Practice

Clients rarely struggle because they lack information. They struggle because habits, emotions, identity, and decision-making patterns keep them stuck. 
MBS helps you address the real drivers behind financial stress and inconsistent action.
The Money Behavior System™ is the foundation of Behavioral Financial Wellness. 
It provides a framework for integrating money behavior into any holistic coaching or consulting practice. It offers the critical element that many businesses lack.
Why it matters:
It gives you a practical framework to help clients change behavior, reduce stress, and make values-aligned money decisions that actually last.
Why now:
More clients want support that connects mindset, behavior, and financial well-being—not just budgeting tips or traditional planning advice.

How to Start

1
Assess behavior before tactics. Identify spending patterns, emotional triggers, beliefs, and routines that affect financial choices.
2
Connect money to values. Help clients define what financial wellness means in real life so their goals feel personal, motivating, and sustainable.
3
Build repeatable client practices. Turn insight into simple weekly actions your clients can maintain between sessions for measurable progress.
When you adopt Behavioral Financial Wellness, you expand your value, deepen client trust, and create transformation that goes beyond information into real-life change.
Close the Behavioral Wealth Gap for your clients and yourself. Be unique.
Coaches, Consultants & Entrepreneurs: Build a Business That Works for You
Ready to grow with more clarity, confidence, and momentum? Discover how the MBS Coach page can help you take your next step.

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Meet Ted McLyman


I'll Help Your Practice Discover...
  • The "Missing Link" in your clients' traditional financial planning.
  • How to help clients align their spending with their values instantly.
  • The 30-day roadmap to guide your clients toward financial clarity.
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