Spending Smart: Confessions of a Reformed Financial Advisor Course

Spending Smart: Confessions of a Reformed Financial Advisor

Stop the Financial BS: Discover, Uncover, and Unleash Your Unique Money Temperament to Achieve Behavioral Financial Wellness.

For too long, traditional finance has operated on the flawed theory of the “rational man,” assuming you always make wise, non-emotional choices. This program exposes why conventional money management wisdom is flawed and ignores the crucial role of human behavior. The ultimate goal is to disrupt the current situation by proving that success with money has more to do with managing your behavior than with money or technical knowledge itself.

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This transformative course, based on the book Confessions of a Reformed Financial Advisor, provides an alternative to “business as usual” in the financial world. The author, a retired Marine Corps Officer and former top financial advisor, shares his journey of realizing that his technically sound education “didn’t reflect reality”.

You will learn that 95-99% of all spending is emotional, automatic, and nonconscious, driven by an ancient emotional brain hardwired for survival and instant gratification, not smart financial decisions.

The course centers on mastering the proprietary, value-driven Money Behavior System—a five-step roadmap designed to create a “one-size-fits-you” action plan. This system guides you through essential behavioral steps often lacking in traditional planning models:

1. Discover Your Money Values: Identifying what truly matters to you, as these values influence spending choices and motivate actions.
2. Uncover Your Money Temperament: Determining your unique money “personality,” which encompasses your natural money behavior and biases (like risk tolerance or impulse control).
3. Uncover Your Money Knowledge: Understanding your preferred learning style (Visual, Auditory, or Kinesthetic) to process crucial financial information effectively.
4. Unleash Your Money Strategy: Creating a high-level vision for your financial life by adopting the mindset of a “business owner” (“You, Inc.”).
5. Unleash Your Money Plan: Building a tactical, personalized financial plan that aligns with your values and temperament, not against them.

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Benefits of Completing the Course

By completing this course and adopting the Money Behavior System, you will gain the ability to make better choices and manage your spending effectively:

1. Achieve Financial Security and Peace of Mind: Learn the New Formula for success: (Time x Money x Rate of Return) $\div$ Behavior = Financial Security and Peace of Mind.
2. Stop Making Emotional Decisions: Acknowledge that your emotional brain is in charge and learn rational strategies to regain control over your financial issues.
3. Bypass “Cookie-Cutter” Advice: Develop a personalized, behaviorally sustainable financial strategy that leverages your strengths and mitigates your weaknesses, moving past the generic, standardized advice prevalent in the industry.
4. Identify Sabotage Factors: Understand how external forces—such as FinTech, mirror neurons, family, peers, and culture—exploit your emotions and ancient brain wiring to pressure you into spending.
5. Improve Relationships: Reduce financial tension by learning to navigate differences in money temperament with family, friends, and financial professionals.
6. Become Intentional: Your spending and choosing will become intentional and easier as you learn to live your life by your defined core values.

The course includes: a PDF copy of the book, twenty educational videos, a study guide, and free access to the course community discussion group.