ONLINE COURSE

break FREE FROM the paycheque-to-paycheque cycle
while living a happier and a wealthier life every day

Discover the proven strategies and tools to create healthy money habits and take your finances into a whole new level - without breaking the bank!

From financial fear to financial confidence: what are the steps by steps to change bad money habits? How to cope with emotional spending? How to stop overspending? How to end living paycheck-to-paycheck? How to become financial independent?

It’s not about how much money you have in your bank account, but how much financial confidence you build.

There’s no secret to building a happier and a wealthier life.

It’s just a matter of:

  1. Getting to the core of your true values

  2. Living life on your terms

  3. Celebrating small wins each day

That’s all it takes.

I personally guarantee that if you follow this secret formula for at least a year, your life will change in ways you can’t imagine.

All of this soundS simple in theory, but it is challenging to put into practice. Why?

The 3-part Formula to a happier and a wealthier life

Why are so few people actually happy and wealthy?

Two words - financial confidence.

Getting rich is hard because, let’s face it, it takes a lot of time, energy and a sprinkle of luck!

With the internet, we've been bombarded with the idea that financial freedom is within everyone's reach. If you work hard and play the money game, you can make tons of money and enjoy it later.

To be rich, you’ve got to balance a bunch of different skills, which can take years to master - either through climbing the corporate ladder or starting a successful business.

And especially if you’re juggling your day-to-day alongside this dream rich life, these can all feel impossible.

There are dozens of ways in which your daily life sucks up your financial confidence

That’s why the more you earn, the less financial confidence you may have.👇

  • FOMO (Fear of Missing Out)

    The fear of missing out on experiences or purchases - this desire to keep up with others or indulge in the latest trends - may cause impulsive spending, undermining your financial confidence.

  • Work Stress

    The demanding nature of your job, with its deadlines, responsibilities, and pressures, can take a significant toll on your well-being. Spending money can provide a fleeting sense of relief or happiness - a temporarily escape and replace negative emotions with the pleasure of acquiring new items or experiences.

  • Toxic Relationships

    Toxic relationships, especially those that involve financial manipulation or dependency, can have a detrimental effect on your financial well-being and overall confidence.

  • fear, shame, guilt

    Overwhelming life situations, whether they're related to personal challenges or external factors, can make it difficult to manage your finances effectively.

  • FAMILY OBLIGATIONS

    Family-related financial responsibilities, such as education costs or caregiving for aging parents, can place a significant strain on your finances.

  • HOLIDAYS

    Seasonal spending during holidays (Xmas, summer…) can strain your budget and add pressure to your finances

  • SEEKING VALIDATION

    The desire to seek validation, gain recognition or approval through generous spending can result in financial insecurity and difficulties.

  • FRIENDS & SOCIALISING

    The need to invest in social events, networking activities, or appearances to maintain connections can lead to financial strain.

  • Keeping Up with the Joneses

    Aspiring to match the material possessions or lifestyle of others can lead to excessive spending (home, cars, clothing, bags, schools…)

  • PARENTAL INFLUENCE

    If your parents were not good financial role models, it can influence your financial behaviors and confidence. Breaking free from negative financial patterns learned from family can be challenging but is crucial for improving financial confidence

  • "things will be alright"

    Overly optimistic beliefs about future financial security can lead to complacency. It’s a denial situation. This can hinder proactive financial planning and leave you unprepared for unexpected challenges and just reality.

  • Inflation creeps

    Gradually increasing your lifestyle to match rising income can strain your finances and impact your financial confidence. Lifestyle inflation can make it challenging to save and invest for future goals.

  • Bad in Maths

    Belief in not being proficient in mathematics at school can result in a false preconceived notion that you’re financially inept.

  • Love-Hate with Money

    A conflicted relationship with money, characterized by oscillating between love and hate for money, can deeply impact your financial confidence

  • Feeling of Not Deserving Wealth

    This self-limiting belief can lead to self-sabotaging behaviours, such as overspending or underestimating your financial potential.

Building financial confidence can completely change your life - it changed mine.

Hi, I’m Sophie, I’m a former Wealth Manager and a Money Coach, but I wasn't always good with money. I used to feel guilty and shameful about that because:

  1. I have Chinese heritage (it's expected to like and be good with money)

  2. I was a Wealth Manager (great paradox huh?).

  3. I had friends who were always better off than me.

Society had always reminded me I wasn't good enough with money because…

  • …when I was working in non-profit, I wasn't earning enough

  • …when I was earning enough, I was overspending it.

  • …when I invested, I took unnecessary risk.

    All this time, I thought I lacked financial education, so I've always tried to do the "right" thing: learn more about Keynes' theories, copy Ray Dalio's investment strategy, follow Chamath Palihapitiya's crypto advice…

But I was looking at the wrong solutions.

True financial success isn't just about the digits in your bank account; it's about your relationship with money. I didn't lack financial education, what I lacked was financial confidence.

Unless you grow your financial confidence, any additional financial knowledge has a limited impact on your wealth. I've learned the hard way; I want you to avoid the same pitfalls.

Now, I'm on a mission to help others build their financial confidence so they can live a happier and wealthier life every day, rather than waiting until retirement at age 75.

Okay, I get it, but what’s actually in the course?
What do I get when I enrol?

Of course, you want to know what you’re getting into.

Here is a glimpse of what’s covered:

  • Explaining the CONFIDENT Framework in 9 modules with concrete examples and practical exercises to take action!

    Oh and everything is a lifetime access with regular updates

  • Templates and exercises for creating your system for change, to build your Financial Confidence Map, to create your Life Inventory, to write your Money Stories, to identify your challenging Money Beliefs….

  • Special episode where I dissect 5 of the most common money beliefs to reflect yours!

  • Share your progress and ask any questions in a judgment-free space “Moneysophy Club”

  • If you're not satisfied with the content within 30 days, I'll refund 100% of your money, no questions asked, so it’s a risk-free investment!

  • Why you don’t do what you preach? What thoughts have been been holding yourself back? Is the money/financial behaviour system I built working for you? What if you fall back to your old habits?

    I will personally coach you to identify blind spots, assess your system for change, and/or help you align yourself with what inspires you most.

    *In the VIP offer only

the confident framework

the confident framework

What is the cost of this course for building financial confidence to live a happier and wealthier life?

If you believe that your personal finances will magically resolve themselves or if you view money solely as an end goal, then this course might not be for you.

However, if you regard money as a means to achieve your goals and aspirations, then investing in this course is a no-brainer and will save you both time and money.

You could pay for my 1:1 Coaching program at $2,500, where I personally guide you and coach you during 120 days OR you can enrol in this course for 1/10th of the price at $280, and work at your own pace.

Anyway, enough spiel - here are the pricing details for the course 👇

$280 (one-time fee)

  • Lifetime access to the course

  • 80-page digital Workbook

  • Bonus episode

  • The private Moneysophy Club

$490 (one-time fee)

  • Lifetime access to the course

  • 80-page digital Workbook

  • Bonus episode

  • The private Moneysophy Club

  • 60-minute 1-1 Coaching session with Sophie Hau

*If you love the idea of the course, but instead, you want a full 1:1 Coaching program,
visit here or email me at hello@moneysophy.com

A RISK-FREE guarantee

I want the investment in this course to be an absolute no-brainer for you, therefore I offer a money-back guarantee, if you're not 100% satisfied.

No strings attached.

Just drop me an email (within 30 days of purchasing the course) and I’ll happily refund your entire payment.

"This course provided a revolutionary perspective on my financial approach. I was astonished to discover many of my money beliefs were formed in early childhood and they were not always correct or helpful. Not only did the course help me identify these ingrained beliefs, but it also gave me the tools to challenge and change them. I feel more confident and empowered in my financial decisions. I highly recommend it to anyone looking to transform their relationship with money."

Sarah Pastol, Founder of Republik

Is Building Your Financial Confidence For You?

THE ONLINE COURSE is for you if you want to:

At least one of these should be true.

To feel at peace with your financial planning

You want to feel at ease with your financial goals and strategy

To know the winning rules

You want to focus on things you can control (e.g. your strategy, what you can) versus on things you cannot control in finances (e.g. the others, the bank interest rates)

To adopt a healthy money mindset

You want to do it for the right reasons (intrinsic versus extrinsic motivations)

To be fulfilled in life

You want to focus on what you have, and live in the present

To reach financial health

You want to have a sense of security by having a sound financial well-being

To build the your wealthy life on your own terms

You want to be empowered and live your life (instead of living the life of your parents, your friends or the society)

THE ONLINE COURSE is NOT for you if you want to:

Get rich quick!

You want to “win” the money game

Get investment advice

You want easy steps to become “rich” without effort

An easy experience

You’re not willing to put in the work required to build your financial confidence