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Money Overhaul

One short assessment, then a week-by-week plan in the order that matters most for you. About an hour a week, one area at a time, until every gap is closed. Progress saves on this device without an account.

8 weeksAbout an hour a weekFree

Two ways to start

Quick overhaul

The 3 actions that move your money most, picked for your situation. One sitting, about 40 minutes, no assessment first.

Show my 3 actions

The full programme

All 8 weeks, about an hour each, ordered around your gaps. Everything the quick version covers, and the rest of each area.

Build my plan

Start quick and carry on later if you want to. Anything you tick counts in both.

How it works

  1. 1
    Get your baseline
    The Financial Wellness check takes about 8 minutes and sets your starting point. Any other assessment you have taken feeds in too. The quick version asks nothing and works it out from what you tell it in 30 seconds.
  2. 2
    Get a plan built for you
    Your weakest areas come first. Anything you have already handled is marked on track and made optional.
  3. 3
    One hour a week
    Each week is one checkable hour of learning, doing, and locking it in, using the tools already on this site.

The 8 weeks

One hour each. Your plan reorders these to put your gaps first.

  1. 1
    Know Your Numbers
    Get an honest baseline: what you own, what you owe, and where your money goes each month.
    Net worth & cash flow, about 60 min
  2. 2
    Build Your Safety Net
    Put a cash buffer between you and life's surprises so a flat tire never becomes new debt.
    Emergency fund, about 60 min
  3. 3
    Crush High-Interest Debt
    Stop the interest bleed with a structured payoff plan that frees up cash every month.
    Debt payoff, about 60 min
  4. 4
    Strengthen Your Credit
    A higher score quietly saves you thousands on every future loan — and the fixes are faster than you think.
    Credit health, about 60 min
  5. 5
    Stop Overpaying Taxes
    Find the pre-tax headroom and deductions most people leave on the table every single year.
    Tax health, about 60 min
  6. 6
    Put Retirement on Track
    Capture free employer money and set a contribution rate that quietly compounds for decades.
    Retirement, about 60 min
  7. 7
    Protect What You Have
    Close the gaps that could wipe out years of progress in a single bad day.
    Insurance, about 60 min
  8. 8
    Set Up Your Estate Basics
    A will, beneficiaries, and a power of attorney protect your family — and most can be set up this week.
    Estate planning, about 60 min

Start your overhaul

Your order is built from your scores. You can start Week 1 in the next five minutes.

Educational disclaimer. Everything on WealthSerene.com is educational and is not investment advice. Projections and calculations are illustrative; actual results depend on market conditions, your situation and factors outside this tool’s scope. For a decision specific to your situation, consult a qualified financial professional. View full disclosures