Our Consultation Methodology

This phase involves collecting financial data spanning recent months to identify actual spending behaviors rather than intended or assumed patterns. We look for discrepancies between stated priorities and resource allocation, automatic expenses that continue without active choice, and categories where money disappears without clear value return.

These sessions move beyond surface-level goals to uncover genuine motivations and authentic values that may differ from social expectations or family assumptions. We examine areas where your current spending conflicts with stated values and explore the reasons behind these disconnections without creating shame or defensiveness.

This phase translates abstract values into concrete allocation decisions. We establish categories that reflect your priorities, determine appropriate funding levels for each area, and create decision rules for common expense situations. The framework includes flexibility mechanisms for unexpected circumstances while maintaining overall discipline and value alignment.

Initial implementation typically reveals gaps between theoretical structure and practical reality. We help you distinguish between framework weaknesses requiring adjustment and normal adjustment discomfort that resolves with continued practice. This phase focuses on building confidence with the methodology rather than achieving perfection immediately.

This evaluation examines both technical aspects like category granularity and psychological factors like decision fatigue or friction points. We identify areas where the framework supports good decisions versus where it creates unnecessary complexity. Refinements aim to increase sustainability rather than theoretical optimization that proves impractical over time.