Money Mindset Mastery · Four chapters · twelve lessons

The rule you are still following.

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A sealed envelope face down on a worn green kitchen table beside a chipped mug
The envelope you haven't opened.Plate I · Where it started
$79once · lifetime access
  • All four chapters and twelve lessons, from the first login
  • Three downloadable worksheets: Money History, Two-Week Exposure Plan, Relapse Plan
  • Anything added later, at no extra cost
  • 30-day refund. One email, no conversation required.

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Written by
Raymond Arce, iCoach Solutions
Reading time
About two hours, spread over as long as you like
Price
$79 once · lifetime access
30-day refund

You did not form your money beliefs by studying economics. You formed them by watching adults handle money while you were too young to argue with what you saw. Whatever money meant in that house — safety, secrecy, conflict, shame, proof of worth — is what it still means to your nervous system, regardless of what you have learned since.

That is why financial information bounces off people who can recite it perfectly. The goal of this course is not catharsis. It is accuracy: you cannot change a belief you have not said out loud. Worksheets you actually fill in. No manifestation, no scripts to chant.

“The rule is rarely irrational. It made sense in the house it came from. It just is not that house anymore.
Lesson 1.3 — The rule you are still following

4chapters, in the order the work actually happens
12short lessons — about two hours of reading in total
3worksheets, made to be written on, not read
1action at the end of every lesson. Never a list.

Four chapters, in the order the work happens

Find the rule. Name the pattern. Shrink the action. Expect the undo. Each chapter ends with one action — never a list — and three of the four come with a worksheet made to be written on.

IWhere it started

The money history you grew up inside

How to read it without turning it into a grievance. Four questions surface most of it: was money scarce, steady or unpredictable; discussed, argued about or never mentioned; who controlled it; and what happened when something went wrong.

  1. 1.1Money was never neutral
  2. 1.2Reading your money history
  3. 1.3The rule you are still following
Worksheet — Money History
A sealed envelope on a worn green kitchen table
Plate I
IIThe six patterns

Avoider, Worrier, Spender, Hoarder, Saboteur, Status Seeker

What each protects, what each costs, and how they overlap. Self-report is unreliable here — chronic over-savers describe themselves as bad with money — so the chapter works from behaviour under stress. Most people are two. Work the primary one first.

  1. 2.1Why six, and what they are
  2. 2.2Finding yours honestly
  3. 2.3Most people are two
Pairs with the free assessment
Six ceramic vessels of different shapes, one terracotta vessel standing apart
Plate II
IIISmall exposures

Why discipline is the wrong tool

Discipline targets the behaviour; the behaviour is a symptom of a belief, and beliefs respond to disconfirming evidence collected slowly. The method: shrink the action until it is survivable, repeat it until it is boring, then widen it. Checking one balance once is the whole intervention.

  1. 3.1Why discipline is the wrong tool
  2. 3.2Designing your first exposure
  3. 3.3Automate around what does not move
Worksheet — Two-Week Exposure Plan
A fingertip about to touch a dark phone screen on linen
Plate III
IVWhen it comes back

Progress triggers the pattern that reverses it

Things improve, discomfort rises — this does not feel like me — and something happens to return you to familiar territory. Expecting the undo is most of surviving it. The chapter ends by pulling the whole course onto one page you can read when it resurfaces.

  1. 4.1The undo
  2. 4.2Raising the thermostat
  3. 4.3Your one-page plan
Worksheet — Relapse Plan
A terracotta dial on a green plaster wall with a worn ring around it
Plate IV

Being straight about what this is

It is a self-paced education course made by an insurance agency — not treatment, not therapy, not individualized financial advice.

It will not fix a shortage of money. If your situation is structural rather than behavioural, it will not be the right purchase, and the free assessment will usually tell you that before you spend anything.

If it does not land, take the refund. Thirty days, one email, no conversation required.

Questions

How long does it take?

About two hours of lessons, spread over as long as you like. The work between lessons matters more than the lessons — each one ends with a single action, and the course assumes you do it before moving on.

Is it a subscription?

No. One payment, lifetime access, including anything added later.

Do I need the assessment first?

No, but it helps — the second chapter assumes you know which pattern is yours. It is free and takes two minutes.

What happens after I pay?

Stripe processes the payment and you get an email with your login to the course portal within a few minutes. If it does not arrive, check spam, then email [email protected] and we will sort it the same day.

Is this financial advice?

No. It is education about behaviour. It does not recommend products, investments, or a plan for your specific situation, and it is not a substitute for a licensed professional if money stress is affecting your health.


Find the rule. Name the pattern. Shrink the action.

Self-paced, educational, made by an insurance agency — not therapy and not individualized advice. If it does not land, take the refund: thirty days, one email, no conversation.

Lifetime access · 30-day refund · educational only

Money Mindset Mastery · Four chapters · twelve lessons · three worksheets · Written by Raymond Arce for Financial Therapy, a money-education project of iCoach Solutions.