A100 Enrollment Closes at 11:59pm ET on August 24th!
Tried Budgeting And Still
Feel Behind?
Let's Fix That In 100 Days.
Join a live, done‑with‑you program that turns your money chaos
into a simple spending plan you can run in about 10 minutes a day.
Enrollment closes August 24 at 11:59 pm ET.
If you make decent money but
catch yourself wondering,
“How do we earn this much and still feel behind?”...
You're in the right place.
If you’ve tried YNAB, EveryDollar, or spreadsheets... watched tutorials… maybe even stuck to your budget for a few weeks at a time...
But next thing you know, you're back to nervously checking your bank app, and crossing your fingers that you haven't forgotten any bills.
This page is for you.
Imagine 100 Days From Now...
You open your budget to decide if you can afford something.
NOT your bank app. Your BUDGET.
You already know the bills for the pay period are covered.
You’re at least a paycheck ahead.
You’ve got a clear plan for:
- What's going toward debt
- What's going into savings
- What's set aside for fun and travel
You and your spouse are having calm money conversations.
You’re not perfect, but you’re finally on the same team.
You know exactly what to do on payday.
You know what to do at the end of the month.
And you’ve got a simple, daily routine you can run in about 10 minutes.
Instead of feeling stressed and overwhelmed by your budget,
you feel confident and in control when you open YNAB.
That's what Ahead in 100 will help you do.
Here's what previous students have to say
"This program has helped me in more ways than I can count, truly."
Creating and sticking to a budget, debt pay down, and I've found most helpful the community Nick has cultivated here and how that supports my transforming relationship with money and my mindset overall! Thank you Nick!
- Lisa F.
"Me and my wife are working TOGETHER in all of this."
The biggest success for us started with mindset.
Shifting from tracking our money to truly planning our money. We started by being able to plan for our youngest daughter and now we have been able to get 2 months ahead and feel comfortable operating there. Truly letting our finances work toward our goals is a game changer.
Another win that has come from this is that me and my wife are working TOGETHER in all of this. At first I was approaching everything all wrong but by going through A100 together and seeing how it was able to change things for us has allowed us to be able to now sit down together and plan out where we want to go as a family, and then put that into action. We are far from perfect but man have we come along way!!
- Jake S.
"I'm just amazed at the level of peace and sense of agency that your program has brought me."
There is such a difference between simply tracking your expenditures versus knowing exactly how much, where and why you are spending that money.
I think I alluded to this before, but I think the synergy of YNAB & A100 & the power it gave me finally elevated me into the realm of “Adulthood”. And I believe Guild is helping to elevate the “adult-me” to discover and nurture the best within myself.
- Dave D.
Over the next 100 days, I want to help you:
- Build a simple spending plan you actually enjoy using
- Be at least one paycheck ahead on your bills
- And be able to proudly point to three concrete money wins
Inside Ahead in 100, we don't do "budgeting for budgeting's sake."
We use what I call a values‑based approach, implemented through a simple framework:
Track. Plan. Spend.
The old way (what you've probably tried)
- Pick a budgeting tool
- Do a big "get your act together" weekend
- Set up categories that may or may not match your real life
- Cut a bunch of things you (or your spouse) actually enjoy
- Try to track every dollar perfectly
- Miss a few days, feel behind, feel guilty
- Stop opening the app
- Swear you'll "start fresh next month"...
- And repeat
There's no clear picture of the life you're aiming at.
There's no built-in check-in rhythm.
And there's no one gently nudging you back on track when life happens.
The new way: Track. Plan. Spend.
1. Track
First, we set up YNAB to simply track what's going on right now.
Think of this as getting your current location in your GPS before a roadtrip.
- We don't change behavior yet.
- We don't cut spending.
- We don't pile on guilt.
- We just track.
2. Plan
Next, we take a step back from the numbers and ask:
- What do you want life to look in 1, 3, and 5+ years?
- What are your real priorities and values?
- What truly matters most to you?
This is more than just, "I want to be less stressed about money."
This is about creating a vision for the next few years that you're genuinely
excited about, so that you want to use your money to support it.
3. Spend
Finally, we brings those two together.
- We look at how you've been spending your money and what you say matters most.
- We help you "put your money where your mouth is" by wiring that vision into your actual budget.
- Yes, we'll make some cuts and behavior changes -- but at this point it doesn't feel restrictive. Because you can see clearly how saying 'no' to some things lets you say 'yes' to better things down the road.
- We solidify simple routines that turn budgeting from a giant, stressful event into a normal part of your week that quietly builds a life you love.
One of my favorite quotes is from Donald Whitney:
"Discipline without direction is drudgery."
Most people fail at budgeting because they go straight to discipline (cutting & tracking) without direction (a clear, values-based plan).
Our Track - Plan - Spend framework gives direction to your discipline,
so it stops feeling like drudgery.
Why Your Budget Hasn't Worked In The Past
Let's be honest:
You're not stupid.
You're not lazy.
And you don't "just suck at money."
You've been trying to build a house with the wrong tools and no blueprint.
Most people who join Ahead in 100 have already tried:
- Setting up YNAB or another app
- Reading money books
- Watching YouTube videos (maybe mine)
- Downloading spreadsheets
And yet money still feels:
- Chaotic
- Restrictive
- Overwhelming
- And honestly... a little shameful
It's really common to turn that inward and think:
- "I'm just bad with money."
- "I can't stick to things."
- "I'm never going to figure this out."
After helping 550 people through this program, here's what I've seen:
If that sounds like you, you don’t have a discipline problem.
You have a system problem.
Our job in Ahead in 100 is to provide you with a personalized system,
specifically catered to your goals.
Here's how A100 is different from every money thing
(and online class) you've tried before:
- It's live and time‑bound, not an endless course you never finish.
We start and finish together in 100 days. - It's built around Values‑Based Budgeting, not just "track every dollar and hope you stick with it."
- It uses YNAB as the tool, but it's not just a YNAB tutorial.
We go way beyond categories and buttons into habits, decisions, and life design. - You're in a community where it's normal to care about money and getting ahead. You're not the '"weird one" anymore.
- You get real coaching and personalized budget reviews, not just a forum and a wish for good luck.
- We've built specific tools to address common failure points:
- YNAB Plug‑And‑Play Templates Pack
- 10‑Minute‑A‑Day Budget Routine Kit
- Fell‑Off‑The‑Wagon Recovery Plan
- Weekly Accountability Post & Check Ins
- Spouse Money Night Toolkit
And if you want more help, there's a Premium Coaching Intensive
option where a dedicated coach walks this with you step-by-step.
A100 Standard Plan
When You Join Ahead In 100 You Get
100‑Day Live Cohort
We run this like a college class. There’s a start date, an end date, and even a graduation at the end. This is not a self‑paced course you buy and never finish. You'll go through this with me (nick), a team of coaches, and other students to push you on the path towards your money goals.
5- Module, Step-By-Step Curriculum
Short, practical lessons that teach you the Values-Based Budgeting system using our Track, Plan, Spend framework. These modules are dripped out on a set schedule, so you always know what to focus on each week.
Weekly Live Q&A Calls With Nick
These take place on Zoom. At the start of each call, I’ll teach for 10 - 20 minutes to supplement wherever we’re at in the curriculum. Then we’ll spend the rest of the time answering your and the other students' questions. You can keep your camera off and be a quiet observer, or you can dive in with video and talk with me directly. It’s totally up to you.
Small‑Group Expert Hours
Small group calls (1–3 students) you can book as needed for extra help with tricky YNAB issues, life decisions, or parts of your vision that feel stuck. These calls are an opportunity for you to get a little extra attention with Nick or another coach.
Think of it like going to your professor's office hours to get a some extra attention when you need it.
Private Community Area
Ask questions between calls, share wins, and get encouragement from people walking the same path. In James Clear's book Atomic Habits he says:
"Nothing sustains motivation better than belonging to the tribe. It transforms a personal quest into a shared one. Growth and change is no longer an individual pursuit. The shared identity begins to reinforce your personal identity. This is why remaining part of a group after achieving a goal is crucial to maintaining your habits."
Coaching Support & Budget Reviews
You'll be prompted throughout the course to submit homework, budget screenshots, and vision statements. I, or one of our coaches, will review them and give you personalized feedback to ensure your budget is helping you hit your goals.
Unlimited Email Support for 100 Days
If something breaks or you get stuck, you can email us. You can even share your budget with us through YNAB Together so we can help with reconciliation or category issues.
Lifetime Access to Curriculum & FAQ Vault
You can revisit the lessons, FAQs, bonus material and call replays anytime, even after the 100 days.
Plus Get The Following Bonuses
We specifically built these bonuses to fix the most common sticking
points people run into.
BONUS #1
YNAB Plug‑And‑Play Templates Pack
Prebuilt category suggestions for different types of households – young families, singles, retirees, small-business owners, high-income earners, expats with multiple currencies, recent college grads, and even suggested setups for your kids.
You’ll tweak them for your situation of course, but you’re not starting from a blank screen.
BONUS #2
10‑Minute‑A‑Day Budget Routine Kit
One of the biggest issues I hear people say is “I’m just too busy to budget.” This bonus will show you how to follow a daily routine that truly takes less than 10 minutes.
It's a simple daily checklist and done‑with‑you video that show you exactly what to do in under 10 minutes, even if you have a ton of transactions.
BONUS #3
Fell‑Off‑The‑Wagon Recovery Plan
This bonus helps in two ways.
1. The first is if you fall behind in the course at any point, this will help you know exactly what to do to get back on track.
2. The second is a simple 3-step process to get your budget back in shape, without doing a fresh start, if it’s been neglected for a bit.
BONUS #4
Weekly Accountability Post & Check‑Ins
If you want to participate, each week you’ll have the opportunity to give us an update on your progress. This includes your weekly focus, recent wins, and what you might be getting stuck on.
If you don’t update the post with your progress, then we’ll reach out to check in or see if you need any help.
BONUS #5
Spouse Money Night Toolkit
If money has been a point of contention in your relationship, this is for you. We give you meeting agendas and conversation prompts so money talks feel calmer and more productive.
We didn’t make these bonuses up in a vacuum. Each bonus exists because we watched real students struggle in those exact spots and asked, “What tool would’ve made this easier?”
Standard Vs Premium
We offer two levels of support inside Ahead in 100.
The standard plan is a great fit for most people. Especially if you're reasonably self‑directed and your situation isn’t too complex.
But if you're thinking:
- "Our finances are a HUGE mess," or
- "I'm juggling both business and personal budgets," or
- "I'm busy and want more hand-holding to speed this up,"
...the Premium Coaching Intensive is for you.
When You Join the Premium Coaching Intensive
You get everything in the standard plan plus 3 core upgrades and 4 premium-only bonuses:
Dedicated Coach for All 100 Days
From day one, you're paired with one coach who gets to know your situation and walks with you the whole way. Their only job is to help you hit your goals over the next 100 days.
3 Concierge Walkthroughs (1:1 Calls)
These are 1:1 calls with you and your coach, sharing screens and walking through the core routines we teach together.
So instead of watching the lessons on your own, you’ll just schedule a live call with your coach at three key points in the curriculum.
- Payday Routine Call
You and your coach walk through what to do when a paycheck hits, using your real accounts. - End-of-Month Call
You close out a month together and setup the next one. - Quarterly Review Call
Near the end of the program, your coach helps you craft a review process you can run forever.
Priority Budget Reviews & Support
When you send a question, you’re at the front of the line. So you can always expect a quick response.
Premium Only - BONUS #1
Complex Case Deep-Dive Audit
You share the full picture - accounts, debt, income, business, season of life, goals.
Your coach maps it out, records a personalized video, and sends you a 1-page plan with clear priorities for the next 100 days.
Premium Only - BONUS #2
Concierge YNAB Setup Session
With this bonus you'll bypass Module 1 and just schedule a 90-minute 1:1 session with Nick.
On this call you'll work together to build a complete YNAB setup customized for your life. You leave with a working budget, you're ready to start using, not another half-finished attempt.
Premium Only - BONUS #3
Vision-To-Reality Blueprint Session
One of the places we notice many students get stuck is in crafting their first life vision document.
Instead of staring at a blank page not knowing where to start, you’ll hop on a 60‑minute 1:1 session where you and your coach zoom out, draft your vision, pick your top money goals, and leave with clarity on how to work your vision into your budget.
Premium Only - BONUS #4
Weekly Personal Check-In & Micro-Coaching
Each week you fill out a short check-in form. Your coach sends back a quick Loom video or a few specific action steps so you always know what to focus on next.
Premium is for the person who says:
“I don’t want to just have access to Q&A. I want a guide to personally
walk me through every step.”
So What's The Price?
If we did all of this together
- Multiple Calls
- Setting up YNAB
- Creating your Life Vision
- Building your Routines
- Coaching you for 100 days
– it would easily cost a few thousand dollars.
My private clients pay around $1,400 for a
handful of calls and don’t get:
- A Structured 100‑day Cohort
- Weekly Q&As
- Small‑Group Expert Hours
- All the templates, toolkits, and spouse resources
- Lifetime access to a Full Curriculum
So if all Ahead in 100 did was:
- Help you get a paycheck ahead
- Stop the constant low‑grade money anxiety
- And get you and your spouse on the same page
…it would be reasonable for it to cost $3,000 or more.
But for this cohort, your investment is 4 payments of $199 for Standard, or 4 payments of $599 for Premium.
Choose Your Plan
(The average student saves $400 in their first month)
A100 Standard Plan
4 Payments of $199
Or pay in full for $795
Core Program
- 100-Day Live Cohort
- 5 - Module, Step-By-Step Curriculum
- Weekly Live Q&A Calls with Nick
- Small Group Expert Hours
- Private Community Area
- Coaching Support & Budget Reviews
- Unlimited Email Support for 100 Days
- Lifetime Access To The Curriculum & FAQs
- Household Pass (Spouse Included)
Bonuses
- Bonus #1: YNAB Plug‑and‑Play Templates Pack
- Bonus #2: 10‑Minute‑A‑Day Budget Routine Kit
- Bonus #3: Fell‑Off‑The‑Wagon Recovery Plan
- Bonus #4: Weekly Accountability Post & Check‑Ins
- Bonus #5: Spouse Money Night Toolkit
30-Day Money-Back Guarantee
100-Day Three Money Wins Guarantee
A100 Coaching Intensive
(Premium Plan)
(4 Slots Remaining)
4 Payments of $599
Or pay in full for $2,395
With the Coaching Intensive, you get everything in the Standard Plan, plus 3 program upgrades and 4 premium bonuses.
Premium Upgrades
- Dedicated Coach For All 100 Days
- Three Concierge Walkthroughs (1:1 Calls) To Cover:
- The Payday Routine
- End of Month Routine
- Quarterly Routine - Priority Budget Reviews & Support
Premium Only Bonuses
- Bonus #1: Complex Case Deep-Dive Audit
- Bonus #2: Concierge YNAB Setup Session With Nick
- Bonus #2: Vision‑To‑Reality Blueprint Session
- Bonus #4: Weekly Personal Check-In & Micro-Coaching
30-Day Money-Back Guarantee
100-Day Three Money Wins Guarantee
Two Layers of Guarantee
I want this to feel like a no-brainer. So here's how we handle the risk.
Join Ahead in 100.
Come to calls. Use the tools. Ask questions.
If anytime in the first 30 days, you just feel like, "This isn't a fit for me," email us and we'll refund your tuition.
No homework audit. No hoops. No guilt trip.
Do the program.
If you how up, do the work, and you don't feel more in control with three real money wins
you can point to by the end of the 100 days - things like:
- Debt you've paid down
- Financial habits you've started to change
- Increased cash in an emergency fund
- Better control over impulse shopping
- Clearer direction for you life vision
- Or truly sticking with your spending plan
...we'll refund your tuition.
My goal is not to collect money from people who are still stuck.
My goal is to help change how you handle money for the rest of your life.
A100 Curriculum
The class is divided into 5 modules with short, easy-to-digest videos to keep you moving. Implementation weeks are scheduled between module releases to prevent overwhelm and allow time to solidify the concepts you've learned. See FAQ section for detailed release schedule.
In each module, you'll focus on a new set of tactics and tools to help you get ahead with your money.
Here's the breakdown of how you're going to get ahead with your money:
Orientation Week
Outcome: Familiarize yourself with the program, community area, and schedule. Create a plan for how to get the most out of the next 100 days.
- Navigating the course area
- Getting the most out of the program
- Schedule and dates for each module & HW
- Money Story Roadmap + 5 stages to financial freedom
- Setting yourself up for success with YNAB
- 3 necessary mindset shifts for YNAB success
- The "Why" Framework that will help you stay disciplined
Module 1: Setting Up YNAB
Outcome: Determine your starting point, create an initial budget in YNAB, and learn the 5-minute daily routine to jumpstart your success.
- Adding accounts in YNAB
- Handling multiple checking and savings accounts
- Managing credit cards
- Creating category groups
- Organizing categories
- 3 different category structures and how to choose the best for you
- Running your daily routine
Module 2: Pay Day & Monthly YNAB Routines
Outcome: Dial in your Pay Day and Monthly YNAB routines that form the foundation for your future success.
- Reconciling accounts
- Credit card deep dive
- Using YNAB to break the paycheck-to-paycheck cycle
- How to get one month (or more) ahead
- Pay Day routine
- Monthly routine
- Advanced YNAB tips
Module 3: Creating Your Vision
Outcome: Refine your vision for the future and establish priorities based on your unique dreams. Then create a plan for turning your dreams into reality.
- Why vision is the key ingredient to getting ahead with your money
- Dreaming about your life in 1, 3, 5, and 10 years
- Choosing your personal priorities + values
- 5 vision roadblocks & how to overcome them
- Choosing your #1 money focus
- Reverse engineering your dreams into actionable steps
Module 4: Aligning Your Vision & Budget
Outcome: Take the vision we created in Module 3 and integrate it fully into your budget. This is how we supercharge your budget so that your life dreams and financial goals become inevitable if you simply follow the plan.
- Auditing & refining your vision from Module 3
- Integrating your #1 Money Focus into YNAB
- Integrating your vision into YNAB
- Using YNAB reports to align your spending with your vision
- Navigating difficult choices that comes with improving your finances
- Managing your mindset to make tough financial choices easy
- Aligning your income with YNAB to ensure your budget works for you
Module 5: Sticking With It
Outcome: Finalize your system to ensure success with your budget. You've worked hard to track your money and create a plan to build a life you love - now it's time to spend your money accordingly and make that dream a reality.
- Automating action steps to guarantee progress toward your goals
- Creating a system for adjustments as your dreams evolve and change
- Practical steps for creating an attitude of patience and contentment as you work toward your financial goals
- Establishing a quarterly routine you'll use for the rest of your life so your money will always work for you
- 4 keys for dealing with regret & disappointment around your past financial mistakes
- What the future holds and how to use what you've learned in A100 as a foundation to build wealth for your dream life
Special Price for Founding Members
The Guild program is brand new for Money Mastery and Ahead in 100 students only.
September 2023 will be our first month, and this is your opportunity to lock in a founding member price forever.
Not only will you get in on the ground floor and help shape the direction of the program and content trainings, you'll also get a price that will never be offered again. We'll continually increase the price of Guild with each enrollment as the content library grows.
If you join now as a founding member, our way of saying "thanks for trusting us" is to lock in your rate forever. We will never increase your price for Guild as long as you remain a member in good-standing.
After enrollment closes on Monday, September 11th, 2023, the founding member enrollment price will never be offered again.
What Students are saying
"[Nick's] service paid for itself!"
The YNAB interface wasn't intuitive and I was having trouble understanding how the budgeting rules worked. Through my coaching call with Nick, I figured out how to budget incoming money and allocate it appropriately. Because of Nick's coaching, we finally know what we're spending each month! Without his help, we would still have no idea what our monthly spending looks like. Also, we caught a $240 UberEats fraudulent charge on our card because of a correctly setup YNAB, so his service paid for itself!
Travis H.
"It has felt reassuring to know that I can reach out to him at any point for support."
Because of Nick's support, I have been able to consistently spend only what I have. I have shifted how I make decisions regarding what I spend, as I no longer want to use my credit card to make purchases. It has felt reassuring to know that I can reach out to him at any point for support. I know that because of his coaching, and my personal decisions, I will continue to succeed with YNAB and my finances in general. I highly recommend Nick as a coach!
Jennifer M.
Hear From More A100 Students
Thank you, Nick, for truly changing my life.
This course came at the right time, when I was ready to take a hard look at my finances and make changes. You presented the information in such a way that was not judgmental in any way, and I appreciate that.
The mindset and values piece that was such a big part of this program really sets this apart from any other program out there.
Thank you!
Amanda M.
Hi Nick,
The end of the three months is approaching. I just wanted to say again how much I have appreciated this great course, how much extra serenity and understanding it has given me, and what great, competent, caring people you and Hanna are.
I really got the feeling that, although this is your business and the money we pay is important to you, you really care about us completing the course properly, and about us as people. I am grateful for that, so rare nowadays.
Keep safe and well, I hope to have further contact in the future.
Caroline V.
Hey Nick!
Just a note to say it's been about 4 years since I took your course and have been using YNAB. A lot's happened since then!
I now have 4 AirBnbs; $50,000 in the bank; am about to buy my first commercial property where we're going to build a multi-million dollar glamping site; and because of YNAB, I have clear insight into how my real estate portfolio is performing. I'm able to cash flow every month and have enough set aside for all of the costs.
A lot of this is because of what I learned in your course and my faithful use of YNAB.
Keep doing what you're doing. You're making a positive difference in peoples' lives!
Laura J.
I joined the program at the beginning of my divorce a little over 2 years ago. At 63 years old I was facing the fact that, after a 35 year marriage where I had allowed my ex-husband to handle all the finances, I knew very little about what had been going on. Needless to say, I was in complete overwhelm. So my interest initially was simply to figure out what my budget was going to be, how to allocate it and manage it from month to month in order to stay solvent.
It took about 6 months to really begin to intuitively understand and use YNAB to track my money which helped ground me in a sense of agency and gave me the mental space to begin to build my new life and to begin to examine my money mindset. You can sort your budget out, but if you don’t address what makes you tick - all the hidden beliefs and patterns that run in the background - you can easily find yourself falling into bad habits.
Looking back it’s been a huge task but I’m delighted to say that, two years on, not only am I rocking my budget, but I’m becoming ever knowledgeable and clearer about all aspects of my financial life - budgeting, taxes, investments. It’s an ongoing process but it’s completely worth the peace of mind that I now have and I couldn’t recommend it more.
Shirley H.
Joining Ahead in 100 was quite a leap of faith! While I was familiar with YNAB and Nick True from recommendations and YouTube, this type of group was out of my comfort zone and my husband was not interested. Fast forward 3 years and here I am loving the group, the experience, and my husband is on board!
I came into the group with a basic understanding and active working budgets in YNAB, after spending several years independently trying to figure it out. Always wondering why this seemed so difficult.
As an Ahead in 100 newbie I soon learned the mechanics of YNAB were not the most important aspect of this budgeting activity. I did not need to be an expert. With Nick and the group to guide me through the technical stuff this is where the budget started to become interesting and purposeful, and that's when the magic happens!.
Ahead in 100 has taken me, and my husband, from being basic budgeters to being life planners! The missing piece in budgeting was the Vision and Purpose in the world of spending.
While likely the most challenging part of the course, Vision and Values, these are invaluable and the keys to success. This is what changed my husband's point of view. Reflecting changes in how we speak about money and how we spend our money. Seeing this basic, mundane, activity called budgeting, come to life as a Spending Plan that now reflects our desired lifestyle! Amazing!
Because of the way this course has been developed, and the support of Nick and the group, we now have a Spending Plan that is reflective of a lifestyle that we love! We are now confident that as life happens this Spending Plan can and will evolve because we have the foundation needed for the long haul!
Lori W.
A100 has without a doubt changed the course of my life, only in a positive way! Financially - on the personal side I now have healthcare, have started putting a little money into my retirement and giving, and for the first time in my life can stick to my budget over the long term.
On the business side, I now pay myself an income and the entire foundation for my business is more solid. Nick also gave me an exercise that helped me avoid what would have been a gigantic financial mistake that didn't align with my needs. Mentally / emotionally - one of the biggest is I now believe in myself to handle my money well! I had a number of limiting beliefs around shame, worthiness, and receiving money - all of those areas have majorly shifted through doing the mindset work and being in community with others who prioritize their finances.
This has been one of the most challenging but fulfilling years of my life. I can't believe how much stress I was carrying around for almost two decades with my finances in disarray. It's still a work in progress, but it feels amazing to have so much more mental peace around money.
A100 is the best community of support and I know this is the reason I've finally been able to stay consistently on top of my finances. It's so nice not to be alone anymore!
Amber S.
Eric - I feel like I have a much better handle on our finances in general. For a long time I sort of had a "general idea" of how much money we had, until one day when I realized how much more we were spending than we realized. Ahead in 100 and Guild has provided the impetus and accountability to track and budget and as a result I feel so much more in control.
Sandy - I'm much more at ease with our finances and feel like we're on a better footing to face the next phase of our life financially based on our values and goals.
Eric & Sandy F.
Working with Nick True at Mapped Out Money is 100% the best money we have ever spent.”
Zenon & Tysan D.
Hi Nick, It has been a while! I took your money workshop starting March 2019, and just wanted to let you know how much help it has been to my family. My debt at the time was $27,000 (actually went up to 28,000 by end of year..not sure what happened). Two years later, my debt is down to $6,228, and I plan to pay that off by early spring. Your course and YNAB has been such a big part of that. Thank you so much for all that you do.
Thanks again. Wishing you and Hanna all the best!
Ramona P.
Hi Nick,
I just wanted to share an update on my finances, all thanks to committing to prioritize my finances and receiving your help.
I reached my goal of paying off my personal credit card by my birthday! It’s at $0.00. Everything associated with my move across the country, apartment, car, and personal travels is cleaned off my plate. I feel free and clear. Now I can focus on doing less but better as I pay off business investments on my biz credit card and student loans.
In April, I had 3 different unexpected car situations plus routine maintenance. All of this totaled $1K. I had more than enough in emergency savings for the unexpected situations and money in my budget for the routine maintenance. Emergencies? No sweat. No stress. Boom. Covered. Peace.
Thanks for your help! Stay rad.
Mary A.
I had struggled with budgeting in the past because it wasn't something I was ever taught. I invested in the program You Need A Budget (YNAB) and unsuccessfully tried to master it. Several times! I ran across Nick True's YouTube videos and saw quickly that he had a handle on what I wanted to learn. When I saw that he was offering the Money Mastery class I initially declined. Once again I beat my head against the budget wall. When I decided that the class might just be worth it I signed up.
I am sincere when I say that he answered all my questions and taught me a way of looking at YNAB and the budgeting process that made sense to me. Nick's understanding of people and budgeting methods makes him a great teacher. He has passion and enthusiasm for his work and his students.
I have saved several times the tuition cost in less than 45 days using what was taught in those sessions.
With his help budgeting for me is now very liberating and comforting. It is not the constrictive task master I always mistakenly thought it to be. 5 stars and huge thank you to Nick and his Money Mastery Class.
Tracy F.
In the 100 days of the program I got an exciting vision for my life mapped out, a budget I can trust, got 1 month ahead and started building my emergency fund !
In the last 3 years, my life was a roller coaster of major changes (e.g. went to 6 months ahead, to 0-savings again, solid vision to "what do I want with life", constant income to 40% cut and weird paying cycles,etc).
In handling these changes, this program was a key for my mental sanity. I am really grateful for Nick and the community for helping me see my North Star and handle a lot of tough decisions and adjustments; most importantly - being there while I was building and living a life according to my vision, with a solid financial plan that supports both the present lifestyle and the future dreams and plans + a lot less money-stress.
Ana M.
It's worth the effort! I've tried putting myself on a salary for years and have never been able to figure it out with my investment properties and inconsistent 1099 income - but Nick's suggestions and help with setting up 3 different budgets to manage my business, personal and household expenses all work like a charm!
I could not have told you what it cost me each month to run any of those 3 categories of money, now I know exactly what it takes to make it all happen.
I feel more confident about my money in general and having the group to bounce ideas off of and a tribe of others who have similar money goals is priceless!
Leah G.
I I entered the program very stressed about money and unsure of where my money was going. After I receive my next paycheck in about 10 days I will be officially off the credit card float and no longer carrying any credit card debt!
I had started and stopped YNAB several times and could never stay consistent. I had run into issues that I could not figure out how to fix and then would just give up.
With your help I have been able to fix issues instead of just giving up. I have now been consistently using it for 2.5 months and am at the point, as Nick has described, where I feel "icky" if I have not categorized my YNAB transactions
for the day.
I really appreciate all of your help and have enjoyed listening to the Q&A calls so much. I joined Guild, so I look forward to continuing with this process.
Aly B.
I feel much more comfortable and confident using YNAB. For the first time ever, I'm excited about personal finance and feeling in control of my money.
Because of A100, I achieved what I originally set out to do (get 3 months ahead in my budget), and much more. I aligned my spending with what matters to me, which lead to cutting away mindless spending on clothes, stationery and board games, in order to save for an amazing trip to Ireland, start saving for retirement and hopefully buying our first condo this year.
Nuria W.
Frequently Asked Questions
Ahead in 100 if for individuals and couples (usually, but not only, 35-55 yo) who:
- make decent money but still feel behind
- have tried budgeting apps like YNAB or EveryDollar
- want a simple, values-aligned spending plan they can actually stick to
Many are white-collar professionals or service-based business owners.
Yes. We use YNAB as our main tool because it's incredibly powerful once it's set up right.
But this isn't "just a YNAB class." We teach you how to use YNAB as part of a Values-Based Budgeting system (Track, Plan, Spend) so your money actually serves your life.
That's exactly what the program - and especially the Premium Coaching Intensive - is built for.
We have templates for different situations, a Complex Case Audit for Coaching Intensive students, and coaches who've seen just about every messy money situation you can imagine.
The first couple of weeks will be the most time-intensive.
We typically recommend about 5 - 7 hours/week to complete the videos, homework, and attend a few live Q&As. (The Coaching Intensive option will cutdown on the time required for setup.)
After the first 4 weeks, I recommend setting aside 3 - 5 hours/week for the remainder of the program.
Yes.
We have specific training and tools for couples, plus the Spouse Money Night Toolkit.
Many couples come in not talking about money at all, and leave finally feeling like they’re on the same team.
- 08/17 - Open Enrollment
- 08/24 - Close Enrollment
- Week 1 (08/24) - Official Starting Date - Orientation Week
- Week 2 (08/31): Module 1 Releases early on August 28th
- Week 3 (09/07): Implementation Week [No Monday Call On Labor Day]
- Week 4 (09/14): Module 2 Release
- Week 5 (09/21): Implementation Week
- Week 6 (09/28): Module 3 Release
- Week 7 (10/05): Implementation Week
- Week 8 (10/12): Implementation Week
- Week 9 (10/19): Module 4 Release
- Week 10 (10/26): Implementation Week
- Week 11 (11/02): Implementation Week
- Week 12 (11/09): Module 5 Release
- Week 13 (11/16): Implementation Week
- Week 14 (11/23): Implementation Week [No Thursday Call on Thanksgiving]
- Week 15 (11/30): Final Week
- Graduation Ceremony (12/07)
Of course! You'll have lifetime access to all course materials, workbooks, checklists, and F.A.Q. Videos. You'll be able to go back and review anytime you need a refresher.
Totally normal.
That's why we built the Fell-Off-The-Wagon Recovery Plan and have weekly accountability check-ins.
You can reset and rejoin the flow at any time. You also have email support and coaches to help you get back on track.
The Standard Plan gives you the full 100-day cohort: curriculum, weekly calls, expert hours, community, templates, toolkits, standard bonuses, and personal budget reviews.
The Premium Coaching Intensive give you all of that, plus:
- your own dedicated coach for the entire 100 days
- priority support
- done-with-you YNAB setup (1:1 call with Nick)
- 1:1 routine walkthroughs (3 Calls)
- weekly micro-coaching
- and a personalized vision and money blueprint (1:1 call)
Think of it like this:
Standard = "Show me the path and I'll walk it with support."
Premium = "Walk the path with me step-by-step."
You keep lifetime access to the curriculum, call replays, and FAQ vault.
Toward the end of the program, we'll also invite you into our alumni program, Guild, if you want ongoing support and help with more advanced topics - like investing, insurance, retirement, and more.
Then you shouldn't pay for it.
That's why we have:
- the 30-Day No-Questions-Asked Guarantee, and
- the 100-Day "3 Money Wins" Guarantee
If you show up, do the work, and still don't feel more in control with concrete wins you can point to... email us and we'll refund your tuition.
We hold two large group calls per week, with the hopes that you'll be able to make it to one of them. The reason we have multiple calls is to accommodate as many schedules and timezones as possible. However, you're always welcome to come to as many as you like!
Large Group Calls:
- Mondays from 8 pm - 9:15 pm ET
- Thursdays from 1 pm - 2:15 pm ET
And of course, we record all the calls. So if you have questions, but can't make it live - we'll show you where to post in the community so that you're question will still be answered on the call.
In addition to the large group calls, we have small group expert hours calls. There are where you can book a time with a coach and 1-3 other students to get you specific questions answered. These calls are an opportunity for you to get a little extra attention with Nick or another coach.
There is no limit to how many of these you can book, just signup for them as needed, whenever you get stuck.
Yes Absolutely!
The program cost is on a per-household basis. If you manage money with someone else, we'd love for them to join you as you work through the material and attend the live Q&A sessions.
Simply email us after joining and let us know what their email is and we'll make sure they are also able to get enrolled and are added to all the emails and notifications.
Depending on which version of Ahead In 100 you choose, it will be an investment of $795 or $2,395. You can also break these up into four interest-free monthly installments.
I say investment because the average student who completes the course saves $400 during the FIRST month after the course. That's right, many students make back their investment before their 100 days are even finished.
Hear From More Students
Hear From Previous Money Mastery Class Students
MMC Student: KC
"It literally changed our lives, we've been married for 20 years and we never talked about money. When we have talked about money in the past, it gets really stressful. And now for the first time, we are finally talking about money without stressing out about it."
MMC Student: Trary
"It was so awesome. I got stuck and there were a couple of roadblocks and Nick went into my budget and helped my understand what was going on and how to fix it... the class is worth every single penny and I've saved tons of money because of this class."
MMC Student: Kojo
"What was most valuable for me was the idea of really taking a closer look at myself and figuring out what I want to do and getting specific about it. The YNAB stuff was great, but I got a lot from the introspective lessons."
MMC Student: Laura
"I've had so much peace of mind over the last three months because I know where my money is... I'm not checking my bank account to know whether to spend or not, I'm checking my budget."
MMC Student: Robyn
"The course has made a huge difference to my life. If you want greater control and certainty over where you're spending money, this is the course to do."
MMC Student: Aquila
"I really appreciated the way that he came to the class with the perspective of priorities and putting every line item in the budget through the lens of the priorities which really helped me focus and streamline my budget. I was already a user of YNAB, but I really liked that I could step back and look at it through fresh eyes to make sure that my budget was working best for me."
MMC Student: Kim
"We started using YNAB about six months ago, but really needed help to learn the ins and outs and how to make it work best for our family and situation. Nick has a heart to really see people get a handle on their budgeting."
MMC Student: Taylor
"It was amazing. Life-changing and I'm not just saying that. You get to do this face-to-face so you're really in it with everyone else in the class. I would recommend this class to anybody who's looking to better their finances."
Still Not Sure?
If you've made it this far and still aren't sure,
email me at nick@mappedoutmoney.com.
I'll help you anyway I can.
I'm dedicated to making sure this is the best investment you've ever made.
But I truly only want you to sign up if it's the right fit for you in the right season.
Thanks for considering Ahead in 100.
I hope to see you in class!
- Nick
Enrollment Is Closing
Monday, August 24, 2026 11:59 ET
Ready to stop feeling behind and finally get ahead with your money?
Click the button below, choose Standard or Premium, and reserve your spot
in the August 24th cohort.
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Watch the end of this video to get Dan's funnel installed directly into your ClickFunnels account.
At the end of 100 days, you'll have:
A Complete Financial Picture
You'll know exactly where your money comes from, where it goes, and how to make it grow.
Peace of Mind
Break the paycheck-to-paycheck cycle so you can stop stressing about everyday expenses and focus on what actually matters to you.
A Plan For Hitting Your Big Financial Goals
Use a repeatable process to set and achieve your goals. Learn to use money as a tool to craft your money story - whether that’s spending more time with family, traveling the world, or donating more of your time and money to the causes you care about most.
Like-minded Community of Budgeters
As James Clear says in Atomic Habits, "It's friendship and community that embed a new identity and help behaviors last over the long run."
You don't have to tackle your finances alone. The A100 community is here to help.
Budgeting Habits You Can Stick With
Establish a personalized, realistic system for managing your finances.
A Budget You Enjoy
Spend and save money in a way that reflects your priorities. Dial back your spending on the things that matter less, so that you can spend MORE on the things that matter most.
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