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Most financial capability or wellbeing programs provide the stock standard 'know where you are at',  'create a budget', 'try 'n' save' model of financial literacy, most of which is devoid of any psychological or behavioural strategies and insights. This is why, we believe in Australia, although #4 in the world for saving rates, is #27 in financial assets behind Estonia and Greece. Ranked unfortunately at #6 in the world for household debt and #24 in disposable income behind Mexico and Poland.*

Let alone, only a third of Australia households having more than $1000 emergency cash on hand.


MOST DO Financial Education - providing knowledge and educational resources to take more control over our economic lives. WE DO THAT & Economic Empowerment - improving the attitudes, behaviours, beliefs, triggers, build resilience and psychological wellbeing in order to take more control over our economic lives.

Talk to us about Economic Empowerment • Financial Capability & Efficacy • Money & Budget Management • Compassionate Financial Hardship Training (for Credit Departments) • Financial Resilience & Tenacity • Money, psychology, behaviors & Us


When one feels Economically Empowered … they feel they have the capability and capacity to improve their financial wellbeing. They are better able to have control over their day-to-day, month-to-month finances and are are less vulnerable to economic abuse. Being economically empowered, they have more psychological capacity to absorb financial shock, and have the resilience to recover from financial trauma. From here their belief in their ability to achieve financial self-efficacy increases and being better able to model and teach their children about Economic Empowerment.

This is the tenement our work with Commmunity organisations in the field of Financial Wellbeing. Please read some of our Case Studies for insights on our approach.


Covered in our Schools programs are six core modules

• Money Management: including saving, budgets, delayed gratification, needs vs wants and goal setting

• Borrowing: including debt, the cost of credit, repayments, credit score and risks

• Earning: including career remuneration, ethics, pay, taxes, lifestyle and career transitioning

• Investing: including savings at work, investment types and investment strategies

• Insurance: including managing risk, selecting insurance, consumer right

• Money mode: including behaviours, values, habits and attitudes


Financial Therapy equips people to reach their financial goals by thoughtfully addressing financial challenges through psychological, behavioral and personal relationship hurdles. Our relationship with money can sometimes be a tricky business. Largely in most part because we are usually unaware of the hidden psychological drives and motivations that direct our decisions with money both positively and negatively. Couple Financial Therapy is also available, as money and finances is the largest source of arguments in personal relationships. Sessions in consultation rooms in Sydney or via ZOOM.