You earn well. You should be further along than this.

The quiet gap

From the outside you're doing fine. The salary is good, or the business pays. The car is decent, the house is decent, the kids are in a good school. And still there's a number in your head, the place you thought you'd be by this age, and you're not close. Every year the income goes up, the lifestyle goes up with it, and the net worth barely moves. You don't talk about it, because people who earn what you earn aren't supposed to have this problem.

It isn't a discipline problem and it isn't an income problem. You were taught how to earn money. Nobody ever taught you what to do with it, or in what order.

A good income is not a financial system.

From chaos to clarity

Seven principles. One order. That's the system.

Most people know some of these. Almost nobody does them in the right order, and the order is what makes it work.

1. 01
   Face the truthThe full scorecard: what you own, owe, earn and burn. No more guessing.
2. 02
   Create the gapEngineer the space between what you earn and what you spend, then automate it so the gap shows up every month without willpower.
3. 03
   Destroy destructive debtList it, rank it, attack it in order, and put an end date on it.
4. 04
   Build your defencesReserves that make sure one bad month never becomes one bad year.
5. 05
   Buy productive assetsOwn what grows. A simple investment philosophy and a monthly debit order into assets with a long record of beating inflation.
6. 06
   Calculate and pursue freedomYour freedom numbers, the right tax gates used on purpose, and a date.
7. 07
   Protect it for the bloodlineCover, will and the letter, so that what you build outlives you.

Where you are, and where this takes you.

1. Phase 1Financial securityA checklist, not a capital number. You can take a hit and stay standing.
2. Phase 2Basic independenceYour assets cover the basics. Work becomes a choice.
3. Phase 3Lifestyle freedomYour assets fund the life you actually want.
4. Phase 4Legacy freedomIt outlives you.

Done with you. Not done for you, and not on your own.

Done-for-you doesn't work with money, because the day we step away it falls apart. Do-it-yourself is how you got here. Done-with-you means you build the system yourself, with us in the room.

• About ninety percent of the challenge is self-paced: short lessons, your own numbers, your own pace.
• Every module ends with a completion step on your Money Blueprint. Once completed, you move to the next.
• Every Tuesday evening there's a live group session where we make sure everyone is done with their modules for the week.
• You will also get a one-on-one session with a licensed financial adviser, where your own situation is looked at properly, if you'd like.

30 days, seven principles, in order

Day Zero: you set up, meet the Blueprint and gather your statements.

1. Days 1–41. Face the truth
2. Days 5–92. Create the gap
3. Days 10–133. Destroy destructive debt
4. Days 14–174. Build your defences
5. Days 18–225. Buy productive assets
6. Days 23–276. Calculate and pursue freedom
7. Days 28–307. Protect it for the bloodline

What you leave with

One page, filled in by you, line by line. This is the Freedom Blueprint. Every module in the challenge ends by completing a line on it.

• Your full scorecard
• An automated money flow
• A debt plan with an end date
• A defence fund that is filling
• A monthly investment running
• Your freedom numbers and date
• A family protection plan

Also included: the Buy Back Your Freedom audiobook, before its public release.

Who this is for, and who it isn't

Why I built this

For years I earned well and built nothing. The money came in, the lifestyle rose to meet it, and at the end of every year my net worth was more or less where it had started. I told myself I'd sort it out when things calmed down.

Then 2020 arrived. Lockdown closed my shops, and the income I had been counting on to fix everything later was gone. By 2021 I was doing seasonal farm work in Iowa, in debt and a long way from home. That is where I made myself a promise: I would learn what to do with money, and in what order, and one bad year would never again be able to take everything.

I rebuilt from there using seven principles, in this order. None of them is new. The order is the part nobody had ever shown me. Once it had worked, I wrote it down. That became Buy Back Your Freedom, and the book became this challenge.

Today I'm the founder of 4AM Wealth, an authorised financial services provider. I built the Money Reset Challenge for the person I was before all of that: earning well, looking fine, and quietly going nowhere.