Spending With Confidence

​​Organize Your Finances, Align Your Spending with Your Values, and Take Control of Your Cash Flow

What you'll learn

Understand and avoid the pitfalls of common cashflow management techniques

Determine how many bank accounts you should maintain to effectively organize your cash flow

Configure a multi-account cash flow system for yourself that guides your spending decisions without your having to track expenses

Calibrate your schedule of transfers to accommodate a difference between your income and that of your spouse's or partner's.

Requirements

No experience necessary

Description

Managing cash flow is one of the most common financial challenges people face—whether you’re earning a lot, a little, or somewhere in between. In Spending with Confidence, we’ll walk step by step through a proven system that makes it easier to organize your money, reduce financial stress, and align your spending with the things you value most. You don’t need complicated budgets, endless tracking apps, or a finance degree to succeed—just a willingness to try something new.Using the multi-account approach, you’ll learn how to divide your income into clear, intentional categories that act as a financial dashboard. Whether it’s handling monthly bills, saving for big goals, or setting aside guilt-free money for personal spending, this system provides clarity and control at a glance. It’s flexible enough to accommodate couples, individuals, or anyone managing irregular income, and it works for both day-to-day decisions and long-term planning.Throughout the course, you’ll set up simple tools, such as spreadsheets and dedicated accounts, that take the guesswork out of managing cash flow. By the end, you’ll not only have a system that works but also the confidence to use it to build a financial life that feels intentional, aligned, and stress-free. Let’s get started!

Overview

Section 1: Introduction

Lecture 1 Clarity and Control: The Key to Confident Cash Flow Management

Lecture 2 Three Key Criteria for Choosing the Right Cash Flow Management System

Lecture 3 Exploring Cash Flow Management Systems: Finding What Works for You

Lecture 4 The Multi-Account Approach: A Simple System for Cash Flow Clarity and Control

Lecture 5 Building Your Financial Blueprint: Setting Up a Cash Flow Spreadsheet

Lecture 6 Mapping Your Cash Flow: Income and Expenses in the Multi-Account System

Lecture 7 Balancing Responsibilities and Autonomy in Couples' Finances

Lecture 8 Setting Up Your Financial System: The Accounts You Need

Lecture 9 Completing the Income and Expenses Section

Lecture 10 Setting Up the Right Accounts for the Multi-Account System

Lecture 11 Managing Finances as a Couple Using the Multi-Account System

Lecture 12 Automating Your Finances with Transfers

Lecture 13 The Multi-Account System in Action

Lecture 14 Adapting the Multi-Account System for Irregular Income

Lecture 15 Using Credit Cards in the Multi-Account System

Mid-career millennials who seek to save with intention and spend with confidence.