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As we grow up, we all receive certain Money messages, and let's be honest, mostly negative. Consequently, very few of us actually realize that even a minor money-related event from the past can continue to affect our relationship with money, leading to ongoing struggles. ​ However, our past doesn't have to define our future. It's never too late, nor too early, to create a happier and more prosperous life. ​ The Mindset section will deconstruct your Money messages, Financial roadblocks and traumas, and help you assess the circle of Financial influence. You will create your own Money Genogram, revealing answers that can transform your financial journey. ​ This section is based on neuroscience, anthropology, psychology, and financial therapy.

Why do many people focus on saving rather than increasing their income? The simple answer is discomfort. It makes us face our fears, but it also leads to reaching our full potential. How much we earn influences every other aspect of the MMSSM framework. Being underpaid doesn't just mean earning less, it means saving less, investing less - to health, family, kids, traveling, and all the other things that matter to you. In years to come, it will result in poor life mixed with sadness from unrealized potential. Beautiful cocktail that no one of us wants! ​ While discovering a Maximize part, you will understand what holds you back from growing your income streams - yes, you have multiple already today. And trust me, it’s not just about having a "low-paying job". We’ll delve into the deep unconscious blocks that prevent you from earning what you deserve. ​ Additionally, you will receive practical steps on how to enhance your Career capital and Professional worth. You will finally learn to work smarter and... strategically! This section is based on organizational psychology, career development theories, and years of my personal experience in management.​

You might be surprised to hear a Financial Educator talk about spending. But isn’t that why we work - to live life to the fullest and bring happiness to ourselves and our loved ones? Absolutely! And notice, everyone is talking about how to save money, and almost no one - how to spend it wisely and with pleasure. ​ Spending taps into our hunting instincts. The amygdala, part of our 'old' brain, needs a clear reason to release energy because its primary function is survival. ​ The energy comes from your dreams and goals - the true ones, aligned with your deepest self. This is why in the Spend part you will most importantly focus on understanding your values, because every "Yes" to things you don’t need is a "No" to what truly matters (often the most). Through coaching techniques, you will be able to envision your dream life that is aligned with your true values and build a budget that supports it. You will also discover why your biggest dreams still didn't come true. This section is based on behavioral economics, psychology, and neuromarketing.

Have you heard of Morgan Housel's concept "​Wealth is what you don't see"? I believe this is one of the best descriptions of true Financial literacy. ​ Respecting your money is, first and foremost, respecting your time and your life. It’s not just about having a budget - while aligning your values with your spending is essential, you also need to strengthen a Save muscle. Remember those celebrities who went bankrupt? This skill is what they lacked. No matter how much you can save today, it's the habit that truly matters. Your savings will grow, but the habit is what endures. In this section, you'll review and optimize your budget, explore ways to save more, and lay a strong foundation for multiplying your wealth. You'll receive my practical, easy-to-follow "Values-based Budget" technique that will gamify the process and transform your budget into a tool for planning and achieving your dream life. ​ This section is grounded in financial literacy and budgeting skills, designed to be both practical and fun.

Last but not least, we all aspire to Multiply our wealth. Compound interest, often hailed as the eighth wonder of the world, is a powerful tool for growing your assets. With just 30 minutes a month, coupled with discipline and financial knowledge, you can become a millionaire one day (I'm serious). ​ ​Investing doesn’t just grow your wealth; it also shapes your character. It teaches patience, humility, and the importance of delayed gratification. In connection with previous sections, you will develop a clear vision of your life goals and learn to invest in what truly matters, whether that is your capital, family, or personal growth. You will explore fundamental concepts like inflation, compound interest, and economic cycles, as well as advanced topics such as asset allocation, diversification, and portfolio theory. You will also gain insights into the psychology of investing and understand why passive investing always outperforms active investing. ​ This section will guide you through the practical steps of starting your investment journey, from setting goals and choosing a broker to creating a strategy and avoiding common mistakes. Ultimately, the goal is to be in the market and let your investments grow steadily over time. This section is based on corporate finance, portfolio management, behavioral finance, neuroinvesting, and psychology.