The Psychology of Spending
Why we spend the way we do, and how to step off the hedonic treadmill without feeling deprived.
Grow
Grow the pie. Then choose how you work.
Clipping coupons only gets you so far. Raising your income and protecting your options usually moves the needle more than squeezing out another 10% of savings.
Golden handcuffs
Good pay, tired brain. Grinding is a season, not a life. Milestones should change the mission.
Active income
Your earning power is your biggest asset early on. Invest in it, and invest the raises.
Side projects
Small bets you can afford to lose, built on skills you already have.
Freedom is optionality
Money buys sovereignty over your choices: leaving a bad job, taking a bet, time with the people you love.
Work with me
Money coaching, not financial advice
One-on-one time to get your budget, debt, goals and freedom number clear, so you leave with a plan you'll actually follow.
You work with me directly.About Mike
Booking now
Money Clarity Session
$150intro price, first 5 sessions
- 60 minutes, one-on-one, on video
- Your budget, debt and savings, mapped
- Find your freedom number together
- A short written action plan afterward
Opens April 2027
Saver × Spender
$450couples package
- Two sessions for the two of you
- A shared system that ends the money fights
- Savers bring the plan. Spenders bring the energy.
Coaching covers budgeting, debt payoff, saving, cash flow, goals and general investing education. I don't recommend specific securities or tell you how to allocate your portfolio. I'm not a licensed financial advisor, and this isn't investment, tax or legal advice.
Request a session
Leave your email and I'll reply personally with next steps.