Money mindset coaching. The operating system behind FIRE.
The Simple System is a 90-day coaching program that finds the leaks in your spending, redirects the money into a system that compounds, and locks a weekly ritual you'll actually keep.
Every year without a system is a year added to your retirement.
Free. 25 minutes. No sales pitch, just a yes or no on fit.
Free tools
Put your real numbers into the FIRE Planner and the Tracker. Take them home. Use them forever. No paywall, no upsell, no expiring trial.
See the number that funds your retirement. See how many years you're actually away. See when you cross each milestone.
Yours forever. Works offline.
The weekly ritual that runs the system. Seven tabs. One file. Runs in your browser, saves locally, never leaves your device.
Yours forever. Works offline.
Tools alone don't move the number. The ritual does. That's what the coaching builds.
The maths
Two households, both with £80,000 take-home per year. One follows the 60/20/20 method and invests. The other saves 5% into a cash account. Here's what compounds over 30 years.
£1.32 million. That's the gap the system builds.
Same take-home. Same 30 years. Different weekly ritual.
If you're here, one of these is probably true
The money "disappears" every month. You know roughly what comes in. You have no idea where it actually went. You mean to review it. You never do. And another quarter passes with nothing to show.
The savings sit still. Money hitting a low-interest account. A pension you haven't looked at in two years. Cash that could be compounding is doing nothing. You know this. You haven't fixed it.
The system slips. You've built a budget before. Maybe twice. It ran for 3 weeks and then a busy month happened and you never came back to it. Willpower isn't the problem. The system was.
Every year this continues is a year added to your retirement.
The mechanism
Not budgeting harder. Not tracking obsessively. Three moves, done in order, that change what compounds.
You can't redirect money you can't see.
Line-by-line spend review in session two. Every subscription named. Every category audited. Every "where did that go" question answered. In one call, you'll see the shape of your spending clearer than you have in years.
Money that was leaking now compounds instead.
The leaks feed the 60/20/20 split, applied to your actual take-home. Debt paydown, savings, investment top-ups, FIRE number modelled. What was invisible drift becomes tracked contribution.
The system runs on 10 minutes a Sunday.
The weekly ritual is built and practised together on the calls. By week 12, you're running it solo. When you slip, and everyone slips, you have a slip protocol you built with me. That's the difference between a system that lasts and a budget that dies.
Find. Redirect. Lock. Three moves. Ninety days. One weekly ritual you actually keep.
The program
Everything you need to run the three moves. Session structure. Tools. Support. Guarantee. Nothing held back for an upsell.
Session 1 is always the kickoff (90 min): intake reviewed, tracker set up with your real numbers. Session 6 is always the lockdown (50 min): weekly ritual practised, slip protocol written, before-and-after review. In between, four 50-min sessions bi-weekly work through finding the leaks, redirecting the money, deploying capital, and working the psychology. Adapts to what your intake shows. If you don't have debt, we spend that time on capital deployment. If you're a couple, we spend more on alignment.
Total value: £1,385. Your price today:
One payment. Everything above. No packages. No upsells. Ever. Or currency equivalent, paid via Wise or Stripe.
Book your 25-min plan callThis is the launch price. When I have three named case studies with before-and-after screenshots, the program moves to £795. When I have six, it moves to £1,195. You're reading this at the floor.
Zero risk
Do the work. If the ritual isn't running on its own by day 90, I refund every penny.
You attend all 6 sessions. You do the homework I set. You keep the tracker up to date. If, by day 90, you can't run the weekly ritual on your own, I refund the full £495.
No paperwork tricks. No hoops. No 47-page terms document. If you did the work and it didn't stick, that's on my process, not your wallet.
The only thing I ask: complete the program. If you skip sessions or ignore the homework, the guarantee doesn't apply. Fair to both of us.
This is why the price rises with proof. Right now, the risk is on me.
Right now
The 90-Day Money Foundation is running with two founding-cohort clients. Their before-and-after goes live here when they finish.
When these are done, the price goes up. That's the trigger, not a marketing gimmick.
Fit check
Objections
Six sessions across 90 days is one session every two weeks. That's 5.3 hours of my time in three months. The ritual is 10 minutes a Sunday. If you can't find 10 minutes on a Sunday for the thing that determines when you stop working, this isn't the right program yet.
The average leak the program finds in the first two sessions is £200 to £500 a month. That means the program pays for itself before session three, and the compounding starts on top. If it doesn't, refund on day 90.
Both. Couples do the sessions together and split the tracker into Partner 1, Partner 2, and Joint columns. Solo runs the same way with one column. Price is the same either way.
Long enough for the leaks to show up over a real seasonal window. Short enough that the guarantee is meaningful. Weekly rituals lock in around week 8, so week 9 to week 12 is you running the system while I watch.
Take the tools. Run the tracker for a month. If you want to talk about coaching later, book a plan call and we'll see. The program works better with income you can redirect, but the tools work at any income.
No. I'm not a licensed financial advisor. I don't recommend investment products, tax strategies, or insurance policies. I coach you on the practice that makes the products you already have work harder. If you need regulated advice, I'll say so and refer you out.
You attend all 6 sessions. You do the homework I set. You keep the tracker up to date. If, by day 90, you can't run the weekly ritual on your own, I refund every penny. If you skip sessions or ignore the homework, the guarantee doesn't apply. Fair to both of us.
You keep the tools, the plan, the ritual. If you want a touch point, pick one of the three ongoing tiers below. If you don't, I disappear until you book a Tune-up. No lock-in.
Yes. Sessions are on Zoom, so we can meet from anywhere. I book across a range of time zones. Pricing is in GBP; you can pay via Wise or Stripe in your local currency at the current exchange rate. If you're outside the UK, mention your time zone when you book the plan call so I can offer you slots that work.
I walk through your answers to four short pre-questions and tell you honestly whether the 90-day program is a fit. If it isn't, I say so and point you at what would be. No pressure. No trickery.
After the 90 days
Most clients don't need weekly forever. They do need a touch point. Three ways to keep it.
4 x 50-min per year
The default after a 90-day. Every three months, we look at the numbers together, name what slipped, and reset.
1 x 90-min per year
One deep review per year. Tracker refresh. FIRE Planner refresh. Forward-year plan.
Single 50-min, book any time
For the one-off question. Bought a house, changed jobs, market wobble, family conversation. Book, talk, move on.
No contracts. Monthly rolling on Quarterly Accountability. Cancel anytime.
Every year without a system is a year added to your retirement.
25 minutes. Free. We look at your numbers together and figure out honestly whether the 90-day program is the right call. If it isn't, I say so.
Book your 25-min plan callOr grab the tools first. Both free. Both yours. Get the tools