3 to 6 months, from intake to evaluation.

From a behavioral science perspective, transition moments are smart moments to learn new behavior: a new job, a jump in income, or another big change. Another good moment: you are ready to finally set up your finances in a way that really works for you, and you're ready to invest in that.

I'm convinced that everyone is capable of healthy financial behavior. Read my Money Hacks for a good start: seven concrete tips to redesign your money system based on behavioral science.

See for yourself: with my fee calculator (in Dutch) you can calculate what a few percent difference in management fees adds up to over the lifetime of your portfolio. It quickly adds up to tens of thousands of euros, purely by making a single different choice at one moment.

The same mechanism applies to saving, investing and most financial habits: small, structural behavior changes have a compounding effect over the years. This is bigger than most people intuitively assume. That difference doesn't come from working harder or earning more, but from what happens automatically once your system is set up well.

Listen to the podcast where I was a guest on Je Geld en/of Je Leven (in Dutch). Here I explain several of the building blocks in more depth and apply behavioral science knowledge in practice.

Take a look at my Money theme page (in Dutch) for a comprehensive overview with articles, media appearances, talks and credentials.

Yes. At the start you choose to pay in 1, 3 or 6 installments.

Did you know that most people instinctively choose a payment method that is psychologically least favorable? Paying afterwards or in installments means the bill arrives just as the enjoyment of the experience fades. You feel the pain while the pleasure has already faded. Paying in one installment in the beginning is therefore psychologically smart. That being said, simply choose the payment option that feels best to you.

I don't promise spectacular returns on your invested assets; that is beyond my control. What I do promise: return on your behavior.

Example calculation: the benchmark for structural saving/investing is 10–30% of your income, depending on your situation. With an income of €200,000 and 20% set aside, that is €40,000 per year. Set aside automatically, without having to think about it. This is how the track often pays for itself within the first year.

Sounds unrealistic? Understandable. That is why this track is about systematic and consistent behavior change, at a pace that suits you. Achievable and ambitious.

A recent participant built enough savings during the track to cover 6 months of fixed costs, and for the first time structurally set money aside for investing.

Illustrative calculation based on common benchmarks, not personal financial advice.

That is why we start with an intake: to see whether your question fits this track. If it matches, this is how I work: my approach is evidence-based and proven effective, provided you actually apply the principles. If after 5 sessions there is still no working system, we continue at no extra cost until there is. Condition: you attend the sessions and apply what we agree on.

My expertise is helping you change in a way that suits you and that works; that is what I offer. I wouldn't be a good behavioral scientist if nothing changed.

Yes. Most examples on this page are about couples, but the approach works just as well if you are single.

Especially then. Disagreement about money is rarely about the amounts themselves, but about what each of you finds important. That is exactly what this track helps with.

Please get in touch if you'd like to work together. I don't compete with asset management or financial advice, but fill the gap before it: the behavior that determines whether there is money left over to manage.

Yes, that's possible