As seen in: 10 Most Value-Packed Courses
Expats! Take back control of your personal finances...
Join the October 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, not targeted at expats, or confusing. 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.
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
October 2024 to Late January 2025
There will be weekly knowledge sessions (1-1.5 hours, 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. We’ll take a break in the run up to Christmas and New Year because we know people get busy then (though we’ll be there for you if you need us!).
There will also be ongoing support in the program’s community group and 4 one-on-one private coaching sessions for each member (one session for you to use in the 6-12 months after the program to check in on your progress and tackle any new challenges).
Early February to Late March 2025
We move from knowledge sharing to consolidation as you take further action on what you have learned previously. 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.
$333 monthly instalments for 6 months ($1998 total)
or
$1,750 $1,998 single payment (get 12.5% off)
If you have combined earnings below $8000/month and/or significant financial challenges, 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 previous courses
2024 - now is the time to get on top of your finances!
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