Confessions Of A Reformed Financial Advisor

Stop Fighting Your Biology. Start Building Wealth.

Every budgeting app has failed you. Every spreadsheet has shamed you. Not because you're broken — but because traditional financial advice is. You're not a rational robot. You're an ancient brain wandering a digital mall, and no amount of willpower will out-math your wiring.

It's time for a smarter, kinder, biology-first approach to money.

The Philosophy

The 95% Rule: Why Your Budget Never Stood A Chance

Here's the truth no financial guru wants to admit: 95% of your spending is emotional, automatic, and driven by biology — not logic. Your ancient brain evolved to survive the savanna, not swipe a credit card at Target on a Tuesday night. When you know how you're wired, money gets easier.

95%

Spending Is Emotional

Only 5% of financial decisions are rational. The rest are habit, hormones, and hardwired instinct. Fighting that is a losing game.

Your

Money Temperament

You have a unique money DNA. Discover it, and spending stops feeling like a moral failing — and starts feeling like a superpower.

Biological Guardrails

Forget willpower. Build simple, behavior-based guardrails that work with your ancient brain, not against it.

“You have an ancient brain living in a digital mall. No spreadsheet on Earth can fix that. But biology can.”

The Book
Confessions of a Reformed Financial Advisor (Yep, It's Mostly BS.)

After decades in the industry, Ted McLyman is blowing the whistle on the financial advice industrial complex — and handing you a smarter playbook rooted in behavioral science, not shame.

Inside, you'll learn how to:

  • Escape the spreadsheet guilt trap once and for all

  • Align your spending with what you actually value

  • Understand your unique Money Temperament

  • Build guardrails that don't rely on willpower

  • Stop trying to out-math your biology — and start winning

WORK WITH TED

Two Ways To Rewire Your Money Life

Whether you're a self-starter or crave community accountability, there's a path built for how your brain actually works.

Self-Paced

MBS E-Course

The Money Behavior Science E-Course walks you through Ted's complete framework on your schedule. Bite-sized lessons, guided exercises, and lifetime access. Perfect if you like to learn in your pajamas at 11pm.

  • Discover your Money Temperament

  • Build custom biological guardrails

  • On-demand video modules

  • Lifetime access & updates

8-Week Live Cohort

Small Group Coaching

Roll up your sleeves with Ted and a small cohort of like-minded humans. Eight weeks of live coaching, peer accountability, and real-time feedback. This is where transformation gets loud.

  • Weekly live sessions with Ted

  • Intimate cohort (limited seats)

  • Personalized action plans

  • Private community access

Speaking & Media

Book The Contrarian Your Audience Won't Forget

Event planners & podcast hosts: if you want another talking head reciting compound interest formulas, keep scrolling. If you want a high-energy, provocative, and refreshingly honest voice who leaves audiences buzzing — Ted's your guy.

Signature Talks Include:

  • The Myth of the Rational Spender — why your audience isn't broken, they're biological

  • The End of the Spreadsheet — a post-Excel financial revolution

  • The Ancient Brain in a Digital Mall — behavioral economics with teeth

Ready To Spend Smart — Without The Shame?

Grab Ted's free 3-Step Guide to Spending Smart and start working with your biology today.

© Ted McLyman — Financial Choice Architect