Wise Money CURBS™ Program


You’re officially starting your journey to financial sovereignty.

let me ask you...

How much is enough?

This is THE biggest question you have to be able to answer if you don’t already know.

The reason?

If you don’t know what “enough” looks like, you’re going to be forever stuck on the hamster wheel trying to make more money.

It’s exactly why just “making more money” in your business will never work.

Unless you discover how to build wealth in your household, you’ll never get off the hamster wheel.

Which is why I’ve created something to help entrepreneurs just like you…

Every Great Outcome Starts With A Plan

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Start building your financial framework today

True freedom is found in the most unassuming place… the fundamentals. The fundamentals of money are not sexy, but they are the unifying and consistent factor among all of the most financially secure people.

Within the Wise Money School, you’re gaining access to a SYSTEM. One that is proven to work, whether feast or famine, prosperity or pandemic. 

In Wise Money CURBS™ I hand over the wealth ratio and philosophy to ensure the growth of your personal wealth as an entrepreneur. 

Next Class Begins March 4th, 2023

We've been working with Krisstina and the WiseMoney team for about 20 months. We've learned how to build wealth and take control of our finances rather than burying our heads in the sand.

We learned about financial reports, how money flows in and out of the business and household, how the two are related, and how they should work.

Our 20-year marriage is better than ever because of what Krisstina has taught us. Our net worth has increased over $1.25 million in under two years -- an ROI of 156x.
Andrea Stearns
Marketing Agency Co-Founder
Kevin Stearns
Marketing Agency Co-Founder

See you soon!

I’m thrilled that you are joining Wise Money. I believe it’s exactly what you are looking for! 

I look forward to being on this journey with you. And, I can’t wait to see your results. 

I have no doubt they will be transformational because of who you are and your eagerness to learn and grow 🙂 

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You’ll have the answers and the system. The one that built my millions. The one that’s proven to do the same for you. It’s time to turn your 6-figure income into a 7+-figure net worth.


Wise Money CURBS™

My signature “Wise Money CURBS” System gives small business owners the confidence, competence, and clarity they need to turn their income into true wealth, on the balance sheet. 

The translation for “true wealth” is TIME FREEDOM.

This program — which includes my personal coaching — is transformational. 

It’s a working program designed for those who are serious about changing their financial situation and going from the proverbial hamster wheel to abundance. 

I won’t sugarcoat it for you.

This is like going to night school and your degree is in money.

Look, you’re an expert at what you do, so it seemed logical to turn your expertise into a business. 

But no one shows us the money part of business.

Specifically, how to build true wealth and net worth that will provide for your future self. 

With Wise Money CURBS, you’ll discover…

Here's What's Included:


April 4th, 2023
Next Class


CURBS has set me free. CURBS has changed my life. I finally trust myself to make financial decisions I know will make me wealthy. I’m charging more, making more, but more importantly I feel free.
Pearl W
Pearl Wilkinson
Holistic Health & Lifestyle Consultant

the Curriculum

Module 1 is comprised of two parts: 

   Part 1 is onboarding and getting familiar with the program interface, the others in your group, and office hours.

   Part 2 is centered around money philosophy and psychology. You’ll learn what your money philosophies and psychologies are,     where they came from, and how they may need some reorienting in order to achieve financial freedom.


What’s covered:

  • Onboarding, familiarity with the program interface, the others in the group, and office hours.
  • Exercises and lectures that will prompt your discovery of your individual psychology and philosophy around money – starting with childhood.
  • An introduction to some pivotal money philosophies including: Minimalism, essentialism and stoicism
  • An introduction to the basic framework for your money infrastructure. Which you’ll learn is the real secret to building wealth.
  • A Q&A process to help you discover why you may be unfulfilled and/or money depleted.

Time: 2-3 hours


Module 2 is an introduction to the framework and system that you’ll be learning and putting into practice to begin your journey of purposeful, exponential wealth building.


What’s covered in the CURBS™ Introduction:

  • A strong overview of the exponential wealth building framework
  • A comparison and explanation of the old model of wealth accumulation vs. the CURBS model. Explaining why the old model takes most people 40 years and 40+ hour work weeks to “accumulate wealth,” when it doesn’t have to.
  • The distinction between passive and working income and a declaration of what your goal should be in terms of both.
  • Determination of how much your spending habits are costing you quantifiably.
  • A simple technique to implement every time you spend, in which can save you at a minimum a few more dollars, but at a maximum contribute to the reaching of your financial freedom.
  • Understanding the comparison between a business and a household business.



Categorize focuses on a particular piece of the CURBS practice: Categorizing your expenses. You’ll work with this through an exercise encompassing a full personal profit and loss statement and will discover how much of your income you’re spending in 8 different categories.


What’s covered in Categorize:

  • A thorough explanation of the money categorization process, and why it is/will be crucial to your money mastery success.
  • A deep, detailed exercise consisting of completing a full personal profit and loss statement and categorizing every single facet of cash outflow and cash inflow.
  • A discovery of what percentage of your income you’re spending in 8 different master categories
  • A deep dive into your financial statements with a microscopic view of a typical month looks like for you financially.

Time: 2-3 hours

Module  3 is centered around multiple interactive and thought provoking exercises to surface your reality of what types of spending you’re engaging in. Whether it’s mostly meaningful or meaningless to you, profound and value aligned, and/or used to alleviate a need for immediate satisfaction versus being allotted for and aligned with your future goals.



What’s covered: 

  • An uncovering of not only where your money is going objectively, but that of a deeper understanding of what percentage of your cash outflow is on 1.Meaningless versus Meaningful expenses 2. “Small” expenses that may be detrimental to your financial goals and ultimate freedom 3. Interest.
  • Gained clarity on why money matters to you and what meaning it has.
  • Determination of how your spending habits are aligning with your values and goals
  • Exercising the thought of money reallocation and the objective return by doing so.
  • How and where to find up to $14,000 a year to re-spend (reallocate) in just one exercise.
  • Learning the difference between ROI vs. ROE – how to be a smart day to day “investor” in your household business. 

Time: 2-3 hours 

Module 4 is centered around the learning and practical use of the millionaire formula. You are provided a game-changing resource/tool that algorithmically (based on the millionaire formula) auto populates your current and ideal weekly, monthly and yearly financial actions that are keeping you from and will get you to financial freedom.


What’s covered: 

  • The learning and implementation of the millionaire formula to apply to your individual financial situation and goals
  • A provided detailed tool/resource that, using our algorithm & based on your individual income and tax bracket, will determine ideally what you should be putting aside for investments, taxes, living & luxury expenses, and all three of your savings buckets every month.
  • As well as determine what your current financial position is. Through the automated calculator you’ll be given the exact difference between where you should be financially and where you are in all of the master categories, as well as how to bridge the gap to get from one to the other.
  • The knowledge of how to use this tool  in combination with quickbooks to create a plan – weekly, monthly and yearly to achieve financial freedom.
  • The answer of the exact quantifiable financial changes you need to make starting today.
  • A process to help W-2 and Non W-2 income earners more accurately project income

Time: 3-4 hours

Module 5 is centered around the introduction to and use of your new personal money management tool: Quickbooks Online. You’re given an online, 10 year tenured importable financial management skeleton to use for the rest of your financial journey. This week gives you the first half of the practical steps to begin setting up your new financial management and wealth building system.


What’s covered:

  • Step by step instruction and guidance on how to begin implementing the practices and systems that you’ve learned and that are necessary to your exponential wealth building journey.
  • The introduction and application of Quickbooks Online
  • A guide on how to set up the buckets (accounts) with your bank.
  • A given exact amount that should be swept into each bucket per month based on your individual household income and the variability of such.

Time: 4-5 hours

Module 6 is centered around the completion of the implementation of your new money management and wealth building system. This includes the usage of your Kashflow Calculator, Quickbooks Online and your local bank. It also steps away from the tedious money side of things and takes a deep dive into the other meaningful and important categories of life – which gives money its value and ultimate purpose.


What’s Covered:

  • An individual thought seeking exercise that brings you back to the WHY. This allows you to answer questions that are crucial to your money management and growth practices going forward.
  • A guided exploration and realization of what your beliefs and feelings are toward other conjoined factors of life.
  • Conclusive instruction of how the process works from start to finish – and the final steps and process to walk away with a self ran, automated money management and making machine.

After a thorough review of the entire CURBS™ Framework, the bonus module at the end of the course includes a powerful introduction to alternative investing with Wise Money School trusted financial and investment advisors and faculty members. Covering the topics of Whole Life Insurance, Cryptocurrency, Real Estate Investing, and Airbnb. Also included in this bonus module is a dense 30-page PDF resource covering the fundamentals of all investment vehicles (alternative & traditional) as well as an intro to Wise Money Investment Strategy and Portfolio Creation. 

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Your Coach

Krisstina Wise

Krisstina Wise is a real estate mogul, Millionaire Coach and creator of several multi-million dollar businesses including Goodlife Luxury, The Paperless Agent, WealthyWellthy and Wise Money. She is an international speaker and author of the Amazon Bestseller Falling for Money, A Romance Novel For Your Bank Account. Named one of the 100 Most Influential Real Estate Leaders in the country, she has been featured in USA TODAY, as well as by Apple, Contactually and Evernote for her creative leadership with emerging technologies.