Your money doesn't need to be more complicated. It needs to make more sense.

EXTRA TIME® is a 28-day Money Transformation designed to help you understand where you are, understand your options and build your own Financial Formation.

No hype.
No hot tips.
No complicated jargon.

Just a simple framework, practical tools, expert education and 28 days of focused action.

The result?

You know where you stand.

You understand your options.

You know what to do next.

EXTRA TIME® starts in October

The first group is limited to just 20 people.

[ YES, I WANT EXTRA TIME® ]

Is this you?

You earn a decent income.

You have savings, pensions, investments, property or a mortgage.

But somehow...

❌ You don't have a clear picture of everything you own.

❌ Your finances feel more complicated than they should.

❌ You don't know whether your money is working as efficiently as it could.

❌ You have pensions or investments but don't really understand them.

❌ You keep meaning to sort out your finances properly.

❌ You know you should do something, but you're not sure what.

You're not alone.

The problem isn't necessarily that you need more money.

You may simply need a better understanding of the money you already have.

From money confusion to financial clarity

Over 28 days, we'll work through the five areas that make up Money Tipps®:

T • TAX

Understand the tax rules that can affect your money.

I • INVESTING

Understand risk, return, diversification, asset allocation and investment costs.

P • PROPERTY

Understand mortgages, property and the role it can play in your overall finances.

P • PENSIONS

Understand pensions, contributions, tax advantages and retirement planning.

S • SAVINGS

Understand cash, emergency funds, interest and building financial resilience.

And we'll bring it all together using my Football Formation Asset Allocation® framework.

Instead of looking at your money as a collection of random accounts and products, you'll learn to see it as a team working towards a common goal.

Your 28-Day Money Transformation

WEEK 1

KNOW WHERE YOU STAND

Get everything out of your head and onto paper.

Understand your current financial position, your assets, liabilities, income, spending and financial priorities.

You'll stop guessing and start seeing the picture.

WEEK 2

UNDERSTAND YOUR OPTIONS

Savings.

Investments.

ISAs.

Pensions.

Property.

Tax.

Fees.

Risk.

We'll break down the concepts that can make personal finance feel complicated and turn them into something you can understand.

No jargon. No unnecessary complexity.

WEEK 3

BUILD YOUR FINANCIAL FORMATION

Use Football Formation Asset Allocation® to understand the different roles your money can play.

Where is your defence?

Where is your midfield?

Where is your attack?

What needs strengthening?

What are you missing?

You'll start to see your finances as a system, not a collection of products.

WEEK 4

DECIDE YOUR NEXT MOVE

Bring everything together.

Identify your priorities.

Calculate the numbers that matter.

Create your own financial game plan.

And finish with something incredibly valuable:

One clear next move.

Not 25 things you should do.

One thing you can actually do.

What you get

EXTRA TIME® isn't simply four Zoom calls.

It's a 28-day transformation system.

✓ 4 × LIVE 60-MINUTE ZOOM SESSIONS

Four focused sessions to learn, ask questions, review your progress and keep moving.

✓ THE MONEY TIPPS® FRAMEWORK

The 5 TIPPS give you a simple structure for understanding your financial life.

✓ FINANCIAL FORMATION

Build your own visual picture of how your money is organised.

✓ FOOTBALL FORMATION ASSET ALLOCATION®

My trademarked framework for making asset allocation and diversification easier to understand.

✓ PRACTICAL CALCULATORS & TOOLS

Use numbers rather than guesswork to understand your position and explore your options.

✓ WEEKLY ACTIONS

Short, practical exercises between sessions so that learning turns into action.

✓ PRIVATE COMMUNITY

Stay connected with the group, ask questions and keep yourself accountable throughout the 28 days.

✓ RECORDINGS & RESOURCES

Access the programme materials and recordings so you can revisit what you've learned.

✓ YOUR FINANCIAL GAME PLAN

Bring everything together into a clear picture of where you are, where you want to go and what comes next.

And there are bonuses

Because the value isn't just in the four sessions.

BONUS 1

MONEY TIPPS® RESOURCES

Additional calculators, worksheets, checklists and educational resources to help you put the ideas into practice.

BONUS 2

MILLENNIAL MONEY MINDSET®

My five-step framework for the inner game of money:

Ownership → Survival → Dream Big Dreams → Diversify → Rebalance

BONUS 3

FOOTBALL FINANCE®

My book Football Finance: Manage Your Money in 90 Minutes, giving you a practical introduction to the outer game of money, investing and asset allocation.

BONUS 4

THE MONEY TIPPS® COMMUNITY

You're not doing this alone.

Learn alongside other people who want to understand their money and take control of their financial future.

What makes EXTRA TIME® different?

We're not selling you a product.

There are financial advisers.

There are investment platforms.

There are financial influencers.

There are newspapers competing for your attention.

And there are endless people telling you what you should do with your money.

Money Tipps® takes a different approach.

We're here to teach you.

Not sell you a financial product.

Not manage your money.

Not tell you which investment to buy.

Not make you dependent on us.

The goal is to make you more independent.

The missing middle

Think of the financial world as having two extremes.

THE SUITS

Professional financial advisers can provide valuable regulated personal advice.

But advice isn't the only thing people need.

Sometimes you first need to understand the basics.

What do I own?

What does my pension actually do?

What are my options?

What are the fees?

How does an ISA work?

What is diversification?

What questions should I ask an adviser?

THE HOODIES

Then there are financial influencers.

Hot tips.

Market predictions.

Buy this.

Sell that.

Get rich quick.

That's not what we do either.

MONEY TIPPS®

We're the missing middle.

Independent financial education for people who want to understand their money before deciding what to do with it.

Be harder to sell to

This is one of the most important things I want you to take away.

You shouldn't need to blindly trust me.

You shouldn't blindly trust an adviser.

You shouldn't blindly trust an influencer.

You shouldn't blindly trust a newspaper headline.

You should understand.

READ.

QUESTION.

UNDERSTAND.

CHECK.

CALCULATE.

DECIDE.

That's the Money Tipps® approach.

Because the question isn't always:

"Who should I trust?"

It's:

"How do I know?"

This is financial education. Not financial advice.

EXTRA TIME® provides general financial education, not personalised financial advice or personal recommendations.

I'll teach you the principles.

I'll give you the frameworks.

I'll show you how to look at the numbers.

I'll help you understand the questions you should be asking.

You make your own decisions.

If you need personalised investment, tax, pension or financial advice, you should speak to an appropriately authorised and regulated professional.

Investments can fall as well as rise and you may get back less than you invest. Past performance is not a reliable indicator of future results.

Money Tipps® does not manage your money or recommend that a particular investment, product or platform is suitable for you.

Who is EXTRA TIME® for?

EXTRA TIME® is for you if:

✓ You want to understand your money rather than outsource all the thinking.

✓ You have savings, investments, pensions or property but want a clearer picture.

✓ You want to become more confident with financial decisions.

✓ You want practical education rather than financial jargon.

✓ You want a framework you can continue using after the 28 days.

✓ You're willing to do the work.

It isn't for you if...

✕ You want someone to tell you exactly what to buy.

✕ You're looking for guaranteed investment returns.

✕ You want a get-rich-quick scheme.

✕ You don't want to take responsibility for your own decisions.

EXTRA TIME® is about giving you the knowledge and tools to make your own decisions.

28 days could change how you see your money

Imagine opening your banking app, pension statement or investment account and actually understanding what you're looking at.

Imagine knowing:

Where you stand.

What you own.

What you're paying.

What your options are.

What questions to ask.

And what your next move is.

That's the transformation.

Not becoming a financial expert overnight.

Becoming more financially capable.

EXTRA TIME®

28 days.

5 TIPPS.

1 Financial Formation.

1 clear next move.

The first cohort is limited to 20 people.

October 2026

£297

[ JOIN EXTRA TIME® ]

No complicated commitment. No financial product to buy. Just 28 days of focused financial education, practical action and accountability.

Your money. Your decisions. Your game.

Understand the game. Play your way.

Money Tipps®

Independent Financial Education