Understand what you own, make sense of your options and build a financial game plan for the life you want to live.

EXTRA TIME Gold™ by Money Tipps®

Independent financial education. Practical tools. Expert teaching. Four live online sessions. A Gold Money Experience in Oxford

Three cohorts. Limited places. One life-changing opportunity to understand your money better.

You work hard for your money. But do you really understand what it's doing?

What you own. What you owe. What you're paying. How your savings, pensions, investments and property fit together.

And whether everything is working towards the life you actually want.

EXTRA TIME GOLD™ is a 28-day financial education experience designed to help you see the whole picture, understand your options and decide your next move.

No financial products to sell. No hot tips. No get-rich-quick promises. No unnecessary jargon.

Just independent financial education, practical tools, expert teaching and a clear framework for understanding your money.

28 DAYS. 5 TIPPS. 4 LIVE ONLINE SESSIONS. 1 GOLD MONEY EXPERIENCE IN OXFORD.

[ SECURE YOUR PLACE ]

THE PROBLEM ISN'T ALWAYS HOW MUCH YOU EARN. IT'S HOW MUCH YOU UNDERSTAND.

You might earn a good salary.

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

You might even have accumulated hundreds of thousands of pounds over the years.

But can you answer these questions?

• What is my actual financial position?

• What do I own and what do I owe?

• How much am I paying in fees and charges?

• Do I understand the risks I'm taking?

• How do my pensions, savings and investments fit together?

• Am I making the most of the tax allowances available to me?

• How much financial independence am I building?

• What should I prioritise next?

You don't need to become a financial expert.

But you should understand the money you've worked so hard to accumulate.

Because making better-informed decisions starts with understanding where you stand.

FROM CONFUSION TO CLARITY

Over 28 days, we'll take you through five essential areas of personal finance.

T — TAX

Understand how tax affects your money, including income tax, pensions, ISAs and the importance of tax efficiency.

I — INVESTING

Understand risk, return, diversification, asset allocation, investment costs and how businesses create wealth.

P — PROPERTY

Understand mortgages, property ownership, equity, borrowing and the role property plays in your financial picture.

P — PENSIONS

Understand pension contributions, tax relief, workplace pensions, retirement planning and the importance of time.

S — SAVINGS

Understand cash, interest, emergency funds, financial resilience and the foundations of financial security.

Five areas. One joined-up picture.

YOUR 28-DAY TRANSFORMATION

WEEK 1 — SEE THE WHOLE PICTURE

Understand your starting position.

Bring together your income, spending, savings, pensions, investments, property, debts and financial commitments.

Stop guessing. Start seeing.

WEEK 2 — UNDERSTAND YOUR OPTIONS

Learn how the financial world works.

Understand the principles behind investing, tax, pensions, property, savings, risk and fees.

Become harder to confuse and harder to sell to.

WEEK 3 — BUILD YOUR FINANCIAL FORMATION

See your finances as a team rather than a collection of disconnected accounts.

Learn Football Formation Asset Allocation® and understand the different roles your money can play.

Identify strengths, weaknesses, gaps and opportunities.

WEEK 4 — KNOW YOUR NEXT MOVE

Bring everything together.

Identify your priorities, understand the numbers that matter and build your own financial game plan.

Not 25 things you should do.

One clear next move.

MORE THAN A COURSE. A COMPLETE MONEY EXPERIENCE.

Your EXTRA TIME™ experience includes:

• Four live 60-minute online teaching and discussion sessions.

• The complete 5 TIPPS financial education framework.

• Your personal Financial Formation.

• Football Formation Asset Allocation®.

• Practical calculators, worksheets and educational tools.

• Weekly exercises and action steps.

• A private group for connection and accountability.

• Session recordings and learning resources.

• Millennial Money Mindset®.

• My book, Football Finance: Manage Your Money in 90 Minutes.

• A Gold Money Experience in Oxford, bringing everything together in person.

You'll leave with more than information.

You'll have a framework, a clearer understanding of your finances and a game plan you can continue using long after the 28 days have finished.

WHY MONEY TIPPS?

There are financial advisers who provide regulated personal advice.

There are investment platforms selling financial products.

There are influencers offering hot tips and market predictions.

And there are millions of people trying to make sense of it all.

I believe there is something missing.

The missing middle.

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

We don't sell financial products. We don't manage your money. We don't tell you which investments to buy.

We teach you how to understand the rules, question the information, examine the numbers and make your own informed decisions.

Our philosophy is simple:

Don't tell people what to think. Teach them how to see.

MEET YOUR HOST — NEIL DOIG

I'm the founder of Money Tipps® and the author of Millennial Money Mindset® and Football Finance®.

My background includes financial services, commodity trading, education and teaching.

I've spent years exploring how money works, how wealth is built and why so many people find personal finance unnecessarily complicated.

I created Money Tipps because I believe financial education should be accessible to everyone.

Not just people who can afford expensive advice.

Not just people who already understand investing.

Everyone deserves the opportunity to understand their money.

My aim isn't to make you dependent on me.

It's to help you become more independent.

IS EXTRA TIME FOR YOU?

It's for you if:

• You earn money but want a clearer picture of your finances.

• You have savings, pensions, investments or property.

• You want to understand investing rather than follow hot tips.

• You want to become more financially confident.

• You value education, practical tools and taking responsibility.

• You're prepared to spend 28 days making your financial future a priority.

It's not for you if you want someone to tell you exactly what to buy, promise investment returns or manage your money for you.

THREE COHORTS. ONE OPPORTUNITY TO CHANGE HOW YOU SEE MONEY.

EXTRA TIME™ GOLD — 2027

A focused 28-day experience combining independent financial education, practical action, live teaching and an in-person Oxford experience.

Three cohorts will run during 2027.

Each cohort has limited places to keep the experience personal, interactive and valuable.

[INSERT CONFIRMED COHORT DATES]

Your investment: £[INSERT PRICE]

Includes all four live sessions, learning materials, resources, community access, bonuses and the Oxford experience.

[ SECURE YOUR PLACE ]

Your money. Your decisions. Your game.

FREQUENTLY ASKED QUESTIONS

Is this financial advice?

No. EXTRA TIME provides general financial education, not personalised financial advice or investment recommendations. You make your own decisions.

Do I need to be good with numbers?

Absolutely not. Everything is designed to make financial concepts easier to understand. You don't need a financial background.

Do I need to have lots of money?

No. Understanding your financial position is valuable whatever your starting point.

What if I can't attend a live online session?

Recordings and learning resources will be available, subject to the programme's access arrangements.

Why is there an in-person Oxford experience?

Because learning is more powerful when people connect. It's an opportunity to bring the programme together, share ideas, ask questions and finish with a clearer perspective.

Will you recommend investments or financial products?

No. The purpose is to educate, not sell financial products or make personal recommendations.

YOUR NEXT MOVE STARTS HERE.

You can't control everything that happens in life.

But you can improve your understanding of money.

And understanding gives you more control over the decisions ahead.

28 days. A clearer picture. A better-informed next move.

EXTRA TIME™ by Money Tipps®.

[ JOIN THE 2027 COHORT ]

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.

Buy one, get one free offer. Bring your partner, friend, son, daughter, Dad, Mum, work mate.

Some experiences are meant to be shared

Your money. Your decisions. Your game.

Understand the game. Play your way.

Money Tipps®

Independent Financial Education