As seen in: 10 Most Value-Packed Courses
Expats! Take back control of your personal finances...
Join the 2025 intake for our
Financial Transformation Program
The ultimate personal finance & investing program for expats like you
With Steve Cronin plus special guests & expert coaches
Andrew Hallam
Author - Millionaire Expat
Demos Kyprianou
Psychologist
Alison Soltani
Saving & Budgeting
Tuan Phan
Escaping bad plans
Are you frustrated by your financial situation? Are you tired of not saving enough money – or you have too much lying around? Are you concerned about what you’ve invested in so far (if anything) and what to invest in for your future?
Are you ready to change that? Then this program is for you.
Welcome to the ultimate 6-month expat personal finance program: combining online sessions, self-paced learning, private 1-on-1 coaching, step-by-step guides, tools, community and accountability.
We have provided all these things to thousands of expats just like you, and now we’ve combined them into one program. All the content is available in different formats so you can learn slowly & steadily or skip ahead if you’re in a hurry.
Lots of information out there is fragmented, confusing or not targeted at expats. We will give you the foundational knowledge, practical step-by-step guides and friendly coaching support you need to take control of your planning, saving & investing with confidence. Absolute beginners welcome.
Steve Cronin
Results – what can you expect?
By the end (and probably well before the end) of this program, you will have:
- Understood and improved all aspects of your current finances
- Set clear & realistic long-term financial goals, with metrics for progress-tracking
- Optimised your debt and cash (amount, location, currency, rate)
- Established insurance, tax, inheritance & security protections
- Identified the right stock & bond investments for you and started investing
- Identified the right investment platform and money transfer process for you
- Assessed and strengthened your money mindset to protect from anxiety and biases, and…
- Become much more confident about managing your own money!
The program is structured so you can get quick wins from Day 1, and move as fast or as slow as you need.
Recent feedback from FTP members:
“FTP is life-changing and has helped me and my husband take more control over our financial future – and will support us in many ways for the rest of our lives. We love how Steve coaches the whole of the person / situation and it’s the perfect blend of support, guidance, advice and experience. I am so glad that I signed up and it is worth its weight in gold. Thank you Steve!”
“I like the ability to self pace and I like being accountable.”
“I feel like there is around the clock support.”
“I think the information is excellent and super well/clearly delivered. I also love the coaching sessions and find them super helpful.”
“What has most improved is understanding all the elements I need to consider – I had no idea before and now I understand the things I need to do.”
Every attendee I've spoke to has loved Steve's courses. He's making a difference.
Andrew Hallam, author of Millionaire Expat
Timelines – what we will do and when
From late May 2025
There will be live weekly online knowledge sessions (1-1.5 hours, also recorded) including Q&A and some guest speakers, plus monthly accountability sessions. We will run parallel tracks on Planning & Saving and Investing to accelerate progress.
There will also be ongoing support in the program’s community group and 4 one-on-one private coaching sessions with Steve for each member (one of these sessions is for you to use in the 6-12 months after the program to review your progress and tackle any new challenges).
From early September 2025
We move from knowledge sharing to consolidation as you take further action on what you have learned. There will be regular Q&A and accountability sessions, as well as private coaching sessions.
Track 1: Planning Your Future & Saving Efficiently
- Get clear on your intention for your future self and your money
- Plan out how you will reach Financial Independence
- Remove your bad money habits and explore the biases that stop us from investing effectively
- Build your confidence around taking back control of your finances
- Review all your finances to assess your current situation
- Learn the key numbers to track and how to improve them rapidly
- Plan your ideal retirement location and living expenses
- Determine how much cash you actually need to get through difficult times, and where to put it
- Find out why you need a credit card and how to manage it
- Learn how to manage your debt and when to pay it off... or not
- Find out how much you really can invest now and every month (it's probably more than you think!)
- Calculate your target portfolio size for retirement and how long it will actually take you to reach it (including inflation!)
- Discover the most efficient ways to reach your target for Financial Independence faster than you ever thought possible
- Find out the common mistakes you must avoid, so you don't get derailed along the way
- Understand how to get stable income from your investments even during market crashes, so you never run out of money
- Learn how to maximise your income creatively and minimise your expenses sustainably
- Discover the framework for making financial and life decisions without stress, emotion and arguments
- Understand the different types of insurance, how much you need and what to avoid (whole life, don't do it!)
Track 2: Investing Practicalities - What & How
- Discover what sensible assets can be in your retirement portfolio and how to invest in 'fun stuff' if you really have to
- Understand the essentials of sensible long-term, low-cost stock index investing and ways to reduce the risks so it isn't 'gambling'
- Understand stocks and stock indexes, and why they are so useful for long-term investing
- Learn about mutual funds and exchange-traded funds (ETFs)
- Discover why passive index investing beats active investing and is cheaper too!
- Find out how sustainable investing works and which funds to buy if you want that
- Learn how bonds and bond funds work, and why they are so important
- Determine what you should do with your fund dividends at different stages of your life
- Assess which currency to invest in for your stock funds and bond funds, based on your current and future circumstances
- Encounter the big risks of investing in the wrong ETF and how to completely avoid them
- Practice screening the many thousands of ETFs out there to find exactly the one you need
- Build your two-fund (yes just two!) portfolio, which is really all you will ever need
- Discover how to allocate your money between stocks and bonds, and how that changes over time
- Learn how and how often to rebalance your portfolio, now and in retirement
- Review the two types of funds for your children, what to invest in and where to put the money (not in a savings plan!)
- Find out what to do with a lump sum investment so it isn't so scary to throw it in the market
- Understand the kinds of taxes expats are and are not exposed to
- Review what you must consider when moving country and how to avoid any unnecessary taxes
- Discover the process for investing as an expat and how to set it up end-to-end to minimise fees and maximise safe efficiency
- Find out the role of the brokerage, which ones accept expats and decide which one is best for you
- Learn how to fill in the broker's application so you get accepted with the right kind of account
- Find you way around the broker platform and step-by-step how to make your first trades
- Learn how overseas transfers actually work and where you can end up losing money
- Discover how to transfer your money to your brokerage quickly and cheaply, in a way your broker will accept
- Decide whether to invest monthly or less often and why
- Find out in what ways you are protected (or not) if one of the providers in your investing process collapses
Financial Transformation Program
This is what you will get:
- Access to 15+ knowledge sessions (lifetime access to recordings)
- Access to 6 group accountability sessions and support to ensure you make progress
- 4 private coaching sessions with Steve (1 hour each, one for use after the program)
- Access to all existing & new DeadSimpleSaving online courses for duration of program
- Access to dedicated online community for duration of program
- Get any question answered within 24 hours
- Other meet-ups and benefits as they arise
If you would like to discuss the program before you sign up, you can book a quick chat with me here.
$1,997 single payment (save 11%)
or
$375 monthly instalments for 6 months ($2,250 total)
If you have combined earnings below $8000/month, you can apply for one of a limited number of bursaries here.
How this program could make you an extra $500k!
Let’s say you invest $2000 per month for 25 years. In a long-term savings plan or bank savings account, let’s assume 3% growth (which is sadly unlikely): you will have turned your $600k into $894k. After the workshop, you aim to invest at 7% growth and keep fees down to 1%: you’ll have $1.4 million – that’s an extra 500k for a great retirement! And that’s a 250x return on your program cost 🙂
Hear from real expats making real progress using Steve's courses
Frequently Asked Questions
Does FTP work?
Yes, if you’re ready to learn (we try to make that interesting!) and then take action to sort out your finances and invest. The learning sessions, private sessions, accountability and community, rapid responsiveness, tools and resources combine to give you massive support, whichever way you prefer to learn. We have run this program 4 times now (and hundreds of workshops before that), so we know what works and what doesn’t.
Is FTP suitable for beginners?
Yes absolutely, no prior knowledge is required, just a desire to learn and make changes to your financial life. We start from the basics and focus really hard on explaining everything clearly. None of the concepts are particularly difficult, just unfamiliar. We have multiple levels of support if you get stuck and we love ‘stupid’ questions!
I already invest – is FTP suitable for me?
Yes, there are so many aspects of expat personal finance and financial independence that you will still learn plenty. Also… you may not be investing in the right way! Revisiting the basics will help strengthen your foundational understanding and I’m sure you’ll benefit from lots of new ideas and practical tips too.
Is FTP suitable for my nationality?
FTP is relevant for all nationalities and we have helped people from all over the world. However, we do not provide support on the global taxation system for US citizens in our content. We can bring in experts on this if you need support in that area.
Is FTP suitable for my country of residence?
A lot of planning, saving and investing is relevant wherever you live. We have helped many people in the UAE and the rest of the GCC, but also in Asia, Latin America, the UK, Europe, Australia etc. If you are resident in a high-tax country, we can’t help with the detailed tax regulations of your country (unless it’s the UK), but we can teach you general tax-management principles and the right questions to ask.
Who is eligible for a bursary?
Bursary applications are open to anyone earning less than 8000 USD per month. You can apply here. Bursaries are awarded at our discretion.
Will you try to sell me investment products?
Steve and the other experts have no affiliation with any financial companies. We do not receive any commission for recommending products or platforms. Where we do make recommendations, it is only because we think they are the best out there. This is very important to us, because so many ‘professionals’ and influencers are promoting things just for the commission.
I can’t wait 6 months to start investing
FTP is incredibly flexible. Even though we have weekly live sessions, you get access to similar content immediately on joining. So if you are in a hurry, you could get through everything in a few days. There are actionable steps from every live session, so you are not just passively learning. Most people will start investing within 2 or 3 months, some faster, some slower. The program offers 6 months of support, not 6 months before you can do anything.
For how long will I have access to the content?
You will have access to the recordings of the live sessions with no time limit after the end of the program. During the 6-month program you get access to all of my online courses as well.
What financial topics does FTP not cover?
We do not cover the specific income tax and capital gains tax regulations for each country (except the UK in a separate course you have access to). Tax regulations are always changing and you need to talk to a tax expert for that specific country. However, we will help you understand general tax concepts that will be extremely useful and help you avoid nasty tax traps that affect expats.
We do not show you how to invest in crypto, individual stocks, options etc or how to select an investment property. However, all these topics will come up in relation to sensible stock fund investing, so we will discuss them. We will cover mortgages and how to make typical decisions about real estate.
What qualifications does Steve have?
Steve has a Masters degree in Psychology from the University of Cambridge. He also has an Investment Advice Diploma from the Chartered Institute of Securities and Investment in the UK. In fact, they asked him to sit on one of their exam boards! Steve spent over a decade advising banks and sovereign wealth funds at a top strategy consulting firm before focusing on helping individuals (much more enjoyable). Steve has been helping expats since 2016, has worked all over the world and has been an expat for 12 years (also know as the University of Life).
What information will I have to reveal to others?
FTP is a safe space – you do not have to reveal anything about your finances or your life to other members. We encourage you to share your experiences, but we will never ask you to share numbers. Steve will go through your financials privately with you (don’t worry, like a doctor, he’s seen it all before!) and anything you share with him will be completely confidential.
What support will I get in FTP?
FTP is so much more than an online course. We will track your confidence levels as you progress through the program. You can ask questions during the live sessions, in the dedicated Facebook group or by email, and we do our best to reply quickly. The accountability sessions help you to keep making progress with the inevitable personal finance admin, while the private sessions with Steve go deep into the specifics of your own situation. You get the support of our other members as well as Steve and our community manager. We are here to help you and we want you to succeed.
Are sessions in person or online?
All FTP sessions are streamed online live and recorded. Sometimes we have a live meet-up in Dubai, but you can still join these online if you are in another country. If people want to arrange meet-ups in their country, they are most welcome!
Are sessions recorded?
Yes all sessions are recorded except accountability sessions and private coaching sessions, as we want people to be able to speak freely in those sessions.
I’m busy, is FTP for me?
Yes, FTP is designed for busy people. The average time commitment is 60-90 minutes per week. If you miss a session, you can always catch up via the recording. 6 months gives you plenty of time and flexibility to get everything done.
I don’t like numbers, is FTP for me?
There are always going to be some numbers in a personal finance discussion, but we are careful not to overwhelm you if numbers don’t come naturally to you. We strip out any unnecessary complexities and there are multiple levels of support to help you achieve your goals. We have plenty of experience in helping people who don’t like numbers!
2025 - now is the time to get on top of your finances!
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