Two programmes. Same syllabus, different amount of attention.
Choose the group if you learn well alongside other people and want the lower price. Choose one-to-one if your situation is unusual, your time is scarce, or you want somebody looking at your actual numbers every week.
Group programme
$130 one payment · 8 weeks · 12 placesA fixed eight-week run with a cohort that starts and finishes together. Live sessions each week, assignments with written feedback, and a group channel where most of the useful conversation actually happens.
- 8 live group sessions, 90 minutes each
- Session recordings, available for 6 months
- Complete workbook set: 11 worksheets and 5 calculators
- 8 assignments, each returned with written comments
- Private cohort chat for the full 8 weeks
- 2 open question hours during the run
- Income-route selection exercise, reviewed by the instructor
- A 30-day check-in after the final session
- Certificate of completion on request
One-to-one programme
$250 one payment · 6 weeks · privateThe same material, compressed and rebuilt around your situation. Sessions are scheduled to suit you, your figures are reviewed before every call, and the income route is not just chosen but set up while you watch.
- 6 private sessions, 60 minutes each, times of your choosing
- Recording of each session, available for 12 months
- The full workbook set, pre-filled with your figures where possible
- Line-by-line review of your budget, debts and cash flow
- A written personal money plan, delivered as a document
- One income route selected and launched with you on the call
- Message support between sessions, answered within one working day
- Portfolio, profile and pricing reviewed before you publish them
- Follow-up calls at 30 and 90 days
Side by side
The full comparison
| Group — $130 | One-to-one — $250 | |
|---|---|---|
| Length | 8 weeks | 6 weeks, extendable by agreement |
| Live time with the instructor | 12 hours shared with up to 11 others | 6 hours entirely yours, plus 2 follow-up calls |
| Session length | 90 minutes | 60 minutes |
| Scheduling | Fixed weekly slot, set before the cohort starts | Booked around your calendar, rescheduling allowed |
| Your figures reviewed | Through assignments, in writing | Line by line before every session, in writing and on the call |
| Written personal plan | You build it from templates | Built with you and delivered as a finished document |
| Income route | You choose it using the framework and get feedback | Chosen together, then set up during the sessions |
| Between-session support | Cohort chat, plus 2 open question hours | Direct messages, answered within one working day |
| Recordings | 6 months | 12 months |
| Peer learning | Yes — often the most valuable part | No cohort, but examples from past students are used |
| Pace | Fixed for everyone | Adjusted to what you already know |
| Best for | Beginners, employees, anyone wanting accountability and a lower price | Irregular income, freelancers, business owners, unusual situations, tight schedules |
| Follow-up | One check-in at 30 days | Calls at 30 and 90 days |
| Price | $130 once | $250 once |
If you start with the group programme and switch to one-to-one within the first three weeks, the $130 is credited and you pay the $120 difference.
Choosing
A short decision guide
Take the group programme if
- You have a regular salary or reasonably stable income
- You are starting from scratch and want the standard path
- Hearing other people's questions helps you learn
- You can commit to one fixed evening a week for eight weeks
- Price matters and you are willing to do more of the work yourself
- You want a cohort to keep you honest about assignments
Take the one-to-one programme if
- Your income is irregular, seasonal or from several sources
- You already freelance and need pricing and tax structure, not basics
- You would not show your real figures in front of a group
- Your schedule cannot hold a fixed weekly slot
- You want a specific route launched, not a menu explained
- You want the whole thing finished in six weeks rather than eight
Included in both
The materials
Eleven worksheets
Spending map, category framework, fixed-cost audit, irregular-cost calendar, net-worth sheet, debt inventory, buffer sizing, income-route scorecard, service offer builder, pricing sheet, and the twelve-month review calendar.
Five calculators
Debt payoff comparison, buffer target, hourly-rate floor, project quote builder, and a simple compounding model. Spreadsheet format, works offline, yours to keep.
Reference material
A written guide for each of the fourteen income routes, a fraud pattern list, a glossary of every term used, and a short reading list of books and free public sources worth your time.
Templates you will actually send
Client outreach messages, a rate-increase note, an invoice layout, a scope-change reply, and a polite refusal for work priced below your floor.
Practicalities
Before you enrol
What you need
- A computer or tablet with a stable connection
- Access to your own bank statements for the last three months
- Three to five hours a week, including the session
- A spreadsheet program — a free one is fine
- Willingness to write things down honestly
Payment
One payment, in advance, in US dollars. Accepted methods are listed at checkout. Invoices available on request. See the terms for taxes and currency conversion.
Dates
Group cohorts start on [[COHORT START DATES]]. The weekly session is held on [[DAY]] at [[TIME + TIMEZONE]]. One-to-one places are booked directly with the instructor.
If it is not right for you
Refunds are covered by the refund policy: a full refund is available before the second session of either programme. Read it before paying, not after.
Pick the format that matches how you learn
Group cohorts run every month and cap at twelve people. One-to-one places open a few at a time, because each one takes a fixed block of the week.
Not sure yet? Send a short note about your situation — how many hours a week you have, what you have already tried, and what you want money to do for you. You will get a straight answer about which format fits, or whether neither does.