You just made a smart move. No spreadsheets required — just a willingness to understand how your brain really handles money.
Three simple steps to get started:
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Behavior-first money coaching delivered straight to your inbox. No shame. No spreadsheets.
Understand why you spend the way you do — and simple shifts that actually stick.
Lessons from Ted's book, coaching practice, and 30+ years in financial services.
A community where you can ask questions, share wins, and get honest answers.
"I spent decades in financial services before I realized the industry had it backwards. We kept telling people to be more rational with money — but humans aren't rational. We're emotional, impulsive, and wired for survival.
The Spending Smart community is built on one idea: manage your behavior first, and the money follows. I'm glad you're here."
— Ted McLyman
Your welcome email is waiting. Open it, read the 3-Step Guide, and take the first step toward a money system that actually fits your life.
Questions? Reply to any email or reach out at ted@tedmclyman.com