Program Tracks

Three Events. Three Paths Forward.

Each program track is built around a specific financial disruption. The challenges of job loss are different from those of illness, which are different again from divorce. The content reflects those differences.

Track One

Job Loss

Losing your job changes your financial situation immediately and completely. Income stops. Outgoings do not. The period between losing work and finding what comes next is one of the most financially stressful experiences possible, partly because it combines practical urgency with significant emotional weight.

The job loss track addresses the specific sequence of decisions that actually matter during this period. Not general advice about budgeting, but the specific order in which financial decisions should be considered when income has just disappeared.

What This Track Covers

  • Immediate cash position assessment. What you have, what you owe, and when payments are due.
  • Understanding your obligations. Which are flexible, which are fixed, which have consequences for delay.
  • Accessing unemployment support and understanding what you are entitled to.
  • Reducing outgoings without damaging your ability to re-enter the job market.
  • Managing the psychological dimension of financial anxiety during job search.
  • Transitioning back to employment income and rebuilding financial buffer.

Track Format

Self-paced modules
Flexible timing
Revisit any lesson
One action per module
Start This Track

Track Two

Illness & Recovery

A serious health event changes your financial picture in ways that are often invisible until the crisis is already underway. Income may reduce or stop. Healthcare costs arrive unexpectedly. The timeline for returning to normal becomes genuinely unclear.

The illness and recovery track is built for people navigating this specific combination of reduced capacity and increased financial pressure. It is designed to be usable even when mental and physical energy are limited.

What This Track Covers

  • Understanding sick pay, disability benefits, and what applies to your situation.
  • Managing healthcare costs alongside ordinary living expenses.
  • Communicating with creditors and employers during a health period.
  • Short-term financial decisions when return-to-work timing is uncertain.
  • Planning for partial capacity. What your finances look like at different levels of recovery.
  • Rebuilding financial structure as health stabilizes.

Track Format

Short, focused modules
Low-energy design
No progress lost on pause
One action per module
Start This Track

Track Three

Divorce & Separation

Divorce involves the simultaneous unraveling of emotional, practical, and financial life. The financial dimension is often the most opaque. Shared accounts, joint obligations, assets that are difficult to divide, and a future that suddenly has a completely different shape.

This track does not address the legal process of divorce, which requires professional legal advice. It addresses the financial understanding and decision-making that surrounds that process and continues long after it concludes.

What This Track Covers

  • Mapping shared and individual finances clearly for the first time.
  • Understanding which financial obligations continue after separation begins.
  • Building a personal financial picture from what was previously shared.
  • Managing costs during the transition period when expenses often increase.
  • Establishing independent financial accounts, credit, and records.
  • Medium-term financial planning as a single financial unit.

Track Format

Structured modules
Private, self-directed
Return at any time
One action per module
Start This Track

How Programs Work

Designed Around Real Constraints

Self-Paced Modules

Each module is a self-contained lesson. Complete it in one sitting or return to it across several sessions. There is no timer, no deadline, and no penalty for pausing. The program works around your life, not the other way around.

Guided Tracks

Within each major track, lessons follow a deliberate sequence. Early modules build the foundation for later ones. Skipping ahead is possible but the design assumes you will move through in order, at whatever pace suits you.

Revisit Freely

Financial situations change. A module that felt abstract in week one may become urgently relevant in week six. All completed modules remain fully accessible. You are always welcome to return.

Practical Outputs

Each module ends with a single concrete action. Not a list of ten things. One thing, clearly described, that you can do in your actual situation. The accumulation of these actions is what produces real change.

Not Sure Which Track Fits Your Situation?

The Where to Start page walks you through a simple set of questions to help you find the right starting point.

Find Your Track