“I know a lot of broke millionaires.”

A millionaire isn’t someone who’s made a million; it’s someone who’s kept a million. 

If there’s one thing I’ve learned over the past two decades working with 6-7+ figure
business owners, the answer to having more money is NOT working harder.  

Keeping more money isn’t about making more.

This is exactly why those who’ve built true wealth understand this truth: 

“Wealth is built in the home.” 

Most entrepreneurs and business owners buy into a deadly illusion keeping them stuck on the hamster wheel of never having enough money, nearly forever.

Until they realize the hidden truth about building their net worth.

Most financial coaches are great at advising you about managing money, building businesses, and cashflow, but TERRIBLE at advising you on how to build real wealth.

Most business coaches are great at marketing and strategy, not to mention, showing you how to make more money, but TERRIBLE at helping you understand how to keep more of it.

Just like most health professionals will tell you, building your body starts in the kitchen.

Building true wealth starts at home.

By true wealth, I mean you’ve hit your freedom number. 

This is the amount of money you’ve got in investments that would actually pay for your desired lifestyle without ever having to work again.

And I’m going to reveal how to do this in just a moment, but first, let me ask you something…

Have you ever had a record breaking month, only to start the next month with practically no money in your account?… While wondering what happened?

Or, if you’ve ever closed out your best year in business, only to realize that you’ve not made any real money and everything that came in… Went right out the door?

Before you get annoyed at yourself yet again, I’m here to assure you…

You are not alone. 

Most small business owners I’ve met and mentored struggled with a case of “high-income-broke-hamster-wheel” syndrome for years, sometimes even decades.

In fact, I don’t think I’ve ever met a single small business owner who has 100% certainty that they’re NOT still on this hamster wheel. 

It can make you feel like you’re not enough or have enough.

So, let me ask you...

How much is enough?

This is THE biggest question you have to be able to answer if you don’t already know.

The reason?

If you don’t know what “enough” looks like, you’re going to be forever stuck on the hamster wheel trying to make more money.

It’s exactly why just “making more money” in your business will never work.

Unless you discover how to build wealth in your household, you’ll never get off the hamster wheel.

Which is why I’ve created something to help entrepreneurs just like you…

Before working with the Wise Money Team, although I made good revenue in my business, I had no money in the bank. I was on a treadmill. Now I have over $500,000 liquid, ready to invest. I just bought my house for cash. I calculated my financial ROI from the Wise Money programs and it’s 7,000%. But the lifestyle ROI is much more significant. I’m completely out of a rush. I have time freedom and can rest for months if I want to. My relationship with my husband and kids has improved significantly. I’m present again with the people who love me
Isabelle Tierney
Coach and Licensed Therapist


Wise Money CURBS™

My signature “Wise Money CURBS” System gives small business owners the confidence, competence, and clarity they need to turn their income into true wealth, on the balance sheet. 

The translation for “true wealth” is TIME FREEDOM.

This program — which includes my personal coaching — is transformational. 

It’s a working program designed for those who are serious about changing their financial situation and going from the proverbial hamster wheel to abundance. 

I won’t sugarcoat it for you.

This is like going to night school and your degree is in money.

Look, you’re an expert at what you do, so it seemed logical to turn your expertise into a business. 

But no one shows us the money part of business.

Specifically, how to build true wealth and net worth that will provide for your future self. 

With Wise Money CURBS, you’ll discover…

By the time you complete Wise Money CURBS, you’ll have a complete financial blueprint and money management system that will create the wealth and the time freedom you so badly desire.

Most OTHER Business Coaches And Courses Help Businesses Scale, or Budget, Save, and Just Pay Down a Little Debt… 

This won’t help you in the long run.

Two mantras I want you to write down…

They are: 

"Higher revenues does not mean higher wealth. Yet business owners spend a fortune (time, energy and money) trying to scale…"

"You cannot save your way to wealth. Money that’s put to work works harder, faster and more efficiently than any human or bank account I've ever seen.”

Both are quotes I speak about at great length.

Scaling often kills time freedom.
Over-budgeting and over-saving kill wealth.

Both lack abundance, growth, balance, investing, and true wealth. 

If you want both wealth AND time freedom, it’s time to book a call today to apply for your spot inside Wise Money CURBS. 

Next Class Begins February 27th, 2023

I 5x’d my income, decreased my debt by half, and got a 97x ROI on my investment with the WiseMoney team…

18 months ago, I was confused and overwhelmed, and I didn’t realize how I’d spent my life giving away my financial power and sovereignty. In only 18 months, I 5x’d my income, decreased my debt by half, and got a 97x ROI on my investment with the WiseMoney team.

When’s the last time you got an ROI like that? Krisstina exposed me to her step-by-step system, a team, and a new way of thinking. I shifted the direction of my company and tripled sales. We created a plan and process in our personal lives and in our business life that allowed us to pay off $85,000 in debt. My husband was even able to take a 9-month sabbatical.
Maruxa 2
Maruxa Murphy
Business and Community Coach

In case you’re wondering exactly what’s included in Wise Money Curbs, I’m glad you asked!

Here's What's Included:

We've been working with Krisstina and the WiseMoney team for about 20 months. We've learned how to build wealth and take control of our finances rather than burying our heads in the sand.

We learned about financial reports, how money flows in and out of the business and household, how the two are related, and how they should work.

Our 20-year marriage is better than ever because of what Krisstina has taught us. Our net worth has increased over $1.25 million in under two years -- an ROI of 156x.
Andrea Stearns
Marketing Agency Co-Founder
Kevin Stearns
Marketing Agency Co-Founder

If you're Type A like my daughter, you want to know all the details

Here's a breakdown of each module inside the wise money curbs program

the Curriculum

Module 1 is comprised of two parts:

Part 1 is onboarding and getting familiar with the program interface, the others in your group, and office hours.

Part 2 is centered around money philosophy and psychology. You’ll learn what your money philosophies and psychologies are,     where they came from, and how they may need some reorienting in order to achieve financial freedom.

What’s covered:

  • Onboarding, familiarity with the program interface, the others in the group, and office hours.
  • Exercises and lectures that will prompt your discovery of your individual psychology and philosophy around money – starting with childhood.
  • An introduction to some pivotal money philosophies including: Minimalism, essentialism and stoicism
  • An introduction to the basic framework for your money infrastructure. Which you’ll learn is the real secret to building wealth.
  • A Q&A process to help you discover why you may be unfulfilled and/or money depleted.

Time: 2-3 hours


Module 2 is an introduction to the framework and system that you’ll be learning and putting into practice to begin your journey of purposeful, exponential wealth building.


What’s covered in the CURBS™ Introduction:

  • A strong overview of the exponential wealth building framework
  • A comparison and explanation of the old model of wealth accumulation vs. the CURBS model. Explaining why the old model takes most people 40 years and 40+ hour work weeks to “accumulate wealth,” when it doesn’t have to.
  • The distinction between passive and working income and a declaration of what your goal should be in terms of both.
  • Determination of how much your spending habits are costing you quantifiably.
  • A simple technique to implement every time you spend, in which can save you at a minimum a few more dollars, but at a maximum contribute to the reaching of your financial freedom.
  • Understanding the comparison between a business and a household business.



Categorize focuses on a particular piece of the CURBS practice: Categorizing your expenses. You’ll work with this through an exercise encompassing a full personal profit and loss statement and will discover how much of your income you’re spending in 8 different categories.


What’s covered in Categorize:

  • A thorough explanation of the money categorization process, and why it is/will be crucial to your money mastery success.
  • A deep, detailed exercise consisting of completing a full personal profit and loss statement and categorizing every single facet of cash outflow and cash inflow.
  • A discovery of what percentage of your income you’re spending in 8 different master categories
  • A deep dive into your financial statements with a microscopic view of a typical month looks like for you financially.

Time: 2-3 hours

Module  3 is centered around multiple interactive and thought provoking exercises to surface your reality of what types of spending you’re engaging in. Whether it’s mostly meaningful or meaningless to you, profound and value aligned, and/or used to alleviate a need for immediate satisfaction versus being allotted for and aligned with your future goals.



What’s covered: 

  • An uncovering of not only where your money is going objectively, but that of a deeper understanding of what percentage of your cash outflow is on 1.Meaningless versus Meaningful expenses 2. “Small” expenses that may be detrimental to your financial goals and ultimate freedom 3. Interest.
  • Gained clarity on why money matters to you and what meaning it has.
  • Determination of how your spending habits are aligning with your values and goals
  • Exercising the thought of money reallocation and the objective return by doing so.
  • How and where to find up to $14,000 a year to re-spend (reallocate) in just one exercise.
  • Learning the difference between ROI vs. ROE – how to be a smart day to day “investor” in your household business. 

Time: 2-3 hours 

Module 4 is centered around the learning and practical use of the millionaire formula. You are provided a game-changing resource/tool that algorithmically (based on the millionaire formula) auto populates your current and ideal weekly, monthly and yearly financial actions that are keeping you from and will get you to financial freedom.


What’s covered: 

  • The learning and implementation of the millionaire formula to apply to your individual financial situation and goals
  • A provided detailed tool/resource that, using our algorithm & based on your individual income and tax bracket, will determine ideally what you should be putting aside for investments, taxes, living & luxury expenses, and all three of your savings buckets every month.
  • As well as determine what your current financial position is. Through the automated calculator you’ll be given the exact difference between where you should be financially and where you are in all of the master categories, as well as how to bridge the gap to get from one to the other.
  • The knowledge of how to use this tool  in combination with quickbooks to create a plan – weekly, monthly and yearly to achieve financial freedom.
  • The answer of the exact quantifiable financial changes you need to make starting today.
  • A process to help W-2 and Non W-2 income earners more accurately project income

Time: 3-4 hours

Module 5 is centered around the introduction to and use of your new personal money management tool: Quickbooks Online. You’re given an online, 10 year tenured importable financial management skeleton to use for the rest of your financial journey. This week gives you the first half of the practical steps to begin setting up your new financial management and wealth building system.


What’s covered:

  • Step by step instruction and guidance on how to begin implementing the practices and systems that you’ve learned and that are necessary to your exponential wealth building journey.
  • The introduction and application of Quickbooks Online
  • A guide on how to set up the buckets (accounts) with your bank.
  • A given exact amount that should be swept into each bucket per month based on your individual household income and the variability of such.

Time: 4-5 hours

Module 6 is centered around the completion of the implementation of your new money management and wealth building system. This includes the usage of your Kashflow Calculator, Quickbooks Online and your local bank. It also steps away from the tedious money side of things and takes a deep dive into the other meaningful and important categories of life – which gives money its value and ultimate purpose.


What’s Covered:

  • An individual thought seeking exercise that brings you back to the WHY. This allows you to answer questions that are crucial to your money management and growth practices going forward.
  • A guided exploration and realization of what your beliefs and feelings are toward other conjoined factors of life.
  • Conclusive instruction of how the process works from start to finish – and the final steps and process to walk away with a self ran, automated money management and making machine.

After a thorough review of the entire CURBS™ Framework, the bonus module at the end of the course includes a powerful introduction to alternative investing with Sovereignty Academy’s trusted financial and investment advisors and faculty members. Covering the topics of Whole Life Insurance, Cryptocurrency, Real Estate Investing, and Airbnb. Also included in this bonus module is a dense 30-page PDF resource covering the fundamentals of all investment vehicles (alternative & traditional) as well as an intro to SA Investment Strategy and Portfolio Creation. 

Still Wondering If WISE MONEY CURBS Is For You??

You may be thinking, “I’m busy; what’s the time commitment?”

The way I’ve broken this down, your weekly commitment for the group is one hour on Zoom for Office Hours and usually 2-4 hours a week for homework. 

Let me ask you, are you too busy to build wealth? 

I hope not!

Because at the same time, this will help free yourself from the inconsistent month to month money you’re making right now and give you some level of consistency. 

It will also help you build better systems and processes to make consistent revenue. Then you’ll know exactly what to do with the money so you’re not living the feast or famine rollercoaster. 

You’ll get access to the money systems I’ve implemented in my own personal finances, as well as get coaching specific to your situation. 

You also get my chart of accounts to help with your accounting and bookkeeping. 

If you’re still reading this, you might be wondering, “Is this really going to help me have more money in the long run?” 

Look, if you’re not getting the results you want in your business, then something needs to change.

If you’re tired of feast and famine months and making more money, but still never having more money, then it’s time to finally change that. 

I want to be clear, though. This program is specifically focused on your PERSONAL finances. I’m not going to be teaching you business strategies and how to scale and make more money. 

Will what you learn impact your business and your money-making capabilities? Very likley. But what we’ll cover in our 12-weeks together will focus on how to run your household finances like a profitable business. 

This way, once you have this nailed and are making more money in your business, you’ll actually know how to allocate it to grow it even further.

Hands-down, coaching has been the one thing that has transformed my life and my business and I’m sharing everything I learned (the hard way) with you.

And the good news is, not only will you learn it in a fraction of the time (I spent 10+ years!), you’ll also get it for a fraction of the investment I made. 

You can join today for just 4 easy monthly installments of $2,000 or invest in full for $6,000.

Now, I know many people struggle with fear when making financial investments, and you might be wondering if there’s a money-back guarantee.

Once you’re inside Wise Money CURBS, I know you’ll love it. 

By putting in the work, I know you’ll see results

When you jump into Wise Money CURBS, you make a commitment for 12 weeks to yourself, to me as your coach, and to your business. 

I’m not here for get-rich-quick schemes and there’s no such thing as an overnight success. 

You owe it to yourself and your family to build a legacy. 

If that’s not what you’re here to do; if you’re not willing to commit to 12 weeks, then I’d recommend finding a different program.

If you fully complete the 12 week program and still don’t see the benefit, we’ll give you your money back! 

I cannot speak highly enough of the CURBS program and of Krisstina and Macy. What they have created is literally life changing. When I first entered the program, I had a lot of credit card debt. Now, I am debt free. This is a whole new generational change of thinking for me. My parents and my family have never thought like this and now I'm the first one in my family to have this control of and love of money. Each time I take it I get more and more confident in what I am learning and confident in my financial legacy that I am creating. I can't speak highly enough. I absolutely love Krisstina and Macy, their transparency. Their humility, their vulnerability, they open the kimono. Macy and Krisstina, I am forever grateful for the program that you ladies have created
Angel Cellucci
Health Insurance Fraud Investigator

The first step down a new road can be the scariest one to take — but don’t let fear steal your dreams.

After you take the first step, it’s as easy as putting one foot in front of the other and taking one step at a time. 

It won’t be long until you’re living the “dream” you fantasize about.

I promise you, just “making more money” and “scaling” isn’t the answer you’re looking for.

To build the kind of wealth you desire, to get off the hamster wheel of making more money, you must discover how to build wealth in your home. 

Your destiny is shaped by moments of decision.

Right now is one of those moments

What will you decide?

Will you continue to struggle running on the hamster wheel, hustling and grinding, and still feeling frustrated, overwhelmed, and wondering where all your money is? 

Choose your trajectory. 

Financially FREE or Financially F*CKED. 

Come with me…

To get started, click the button and apply now.

You’ll fill out a short application form, then choose a date and time that works for you to meet with me or my daughter and business partner, Macy.

Then we’ll hop on a call to make sure you’re a good fit for the program. 

No matter what you do next, the choice is entirely yours.


CURBS has set me free. CURBS has changed my life. I finally trust myself to make financial decisions I know will make me wealthy. I’m charging more, making more, but more importantly I feel free.
Pearl W
Pearl Wilkinson
Holistic Health & Lifestyle Consultant