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Confessions Of A Reformed Financial Advisor
Stop Fighting Your Biology. Start Building Wealth.
Every budgeting app has failed you. Every spreadsheet has shamed you. Not because you're broken — but because traditional financial advice is. You're not a rational robot. You're an ancient brain wandering a digital mall, and no amount of willpower will out-math your wiring.
It's time for a smarter, kinder, biology-first approach to money.
Ted McLyman
The Philosophy
The 95% Rule: Why Your Budget Never Stood A Chance
Here's the truth no financial guru wants to admit: 95% of your spending is emotional, automatic, and driven by biology — not logic. Your ancient brain evolved to survive the savanna, not swipe a credit card at Target on a Tuesday night. When you know how you're wired, money gets easier.
95%
Spending Is Emotional
Only 5% of financial decisions are rational. The rest are habit, hormones, and hardwired instinct. Fighting that is a losing game.
Your
Money Temperament
You have a unique money DNA. Discover it, and spending stops feeling like a moral failing — and starts feeling like a superpower.
Biological Guardrails
Forget willpower. Build simple, behavior-based guardrails that work with your ancient brain, not against it.
“You have an ancient brain living in a digital mall. No spreadsheet on Earth can fix that. But biology can.”
The Book
Confessions of a Reformed Financial Advisor (Yep, It's Mostly BS.)
After decades in the industry, Ted McLyman is blowing the whistle on the financial advice industrial complex — and handing you a smarter playbook rooted in behavioral science, not shame.
Inside, you'll learn how to:
  • Escape the spreadsheet guilt trap once and for all
  • Align your spending with what you actually value
  • Understand your unique Money Temperament
  • Build guardrails that don't rely on willpower
  • Stop trying to out-math your biology — and start winning
Work With Ted
Two Ways To Rewire Your Money Life
Whether you're a self-starter or crave community accountability, there's a path built for how your brain actually works.
Self-Paced
MBS E-Course
The Money Behavior Science E-Course walks you through Ted's complete framework on your schedule. Bite-sized lessons, guided exercises, and lifetime access. Perfect if you like to learn in your pajamas at 11pm.
  • Discover your Money Temperament
  • Build custom biological guardrails
  • On-demand video modules
  • Lifetime access & updates
8-Week Live Cohort
Small Group Coaching
Roll up your sleeves with Ted and a small cohort of like-minded humans. Eight weeks of live coaching, peer accountability, and real-time feedback. This is where transformation gets loud.
  • Weekly live sessions with Ted
  • Intimate cohort (limited seats)
  • Personalized action plans
  • Private community access
Speaking & Media
Book The Contrarian Your Audience Won't Forget
Event planners & podcast hosts: if you want another talking head reciting compound interest formulas, keep scrolling. If you want a high-energy, provocative, and refreshingly honest voice who leaves audiences buzzing — Ted's your guy.
Signature Talks Include:
  • The Myth of the Rational Spender — why your audience isn't broken, they're biological
  • The End of the Spreadsheet — a post-Excel financial revolution
  • The Ancient Brain in a Digital Mall — behavioral economics with teeth
Ready To Spend Smart — Without The Shame?
Grab Ted's free 3-Step Guide to Spending Smart and start working with your biology today.
© Ted McLyman — Financial Choice Architect
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