Wise Money CURBS™ Program

Want to turn your 6-figure income into a 7+ figure net worth?

It’s time to FINALLY have something to “show” for all the hard work you’ve done and money you’ve made in your business. 

I’m NOT talking revenue OR income.

I’m talking real Wealth. 
Net Worth. 

Most entrepreneurs and business owners buy into a deadly illusion that keeps them stuck on the hamster wheel of never having enough, nearly forever.

That is, until they realize the hidden truth about building their net worth.

Most financial coaches are great at advising you about managing money, building businesses, and cashflow, but TERRIBLE at advising you on how to build real wealth.

Just like most health professionals will tell you, building your body starts in the kitchen.

Building true wealth starts at home.

And I’m going to reveal how in just a moment, but first…

Before working with the Wise Money Team, although I made good revenue in my business, I had no money in the bank. I was on a treadmill. Now I have over $500,000 liquid, ready to invest. I just bought my house for cash. I calculated my financial ROI from the Wise Money programs and it’s 7,000%. But the lifestyle ROI is much more significant. I’m completely out of a rush. I have time freedom and can rest for months if I want to. My relationship with my husband and kids has improved significantly. I’m present again with the people who love me
Isabelle Tierney
Coach and Licensed Therapist

Let me ask you some really simple questions

Which of these apply to you? 

If one or more of those had you silently annoyed at yourself, then I’m here to assure you…

You are not alone. 

Most small business owners I’ve met and mentored struggled with a case of “the high-income-broke-hamster-wheel” syndrome for years, sometimes even decades.

In fact, I don’t think I’ve ever met a single small business owner who has 100% certainty that they’re NOT still on said hamster wheel. 

This can make you feel like you’re not enough or don’t have enough.

So, 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 that hamster wheel.

I 5x’d my income, decreased my debt by half, and got a 97x ROI on my investment with the WiseMoney team…

18 months ago, I was confused and overwhelmed, and I didn’t realize how I’d spent my life giving away my financial power and sovereignty. In only 18 months, I 5x’d my income, decreased my debt by half, and got a 97x ROI on my investment with the WiseMoney team.

When’s the last time you got an ROI like that? Krisstina exposed me to her step-by-step system, a team, and a new way of thinking. I shifted the direction of my company and tripled sales. We created a plan and process in our personal lives and in our business life that allowed us to pay off $85,000 in debt. My husband was even able to take a 9-month sabbatical.
Maruxa 2
Maruxa Murphy
Business and Community Coach

THE most common misconception I see: Business owners think wealth is built in their business.

It’s not. 

Wealth is built in the household. 

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

Unless you discover how to build wealth in your household, you’ll forever be stuck on the hamster wheel.

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


Wise Money CURBS™

My signature “Wise Money CURBS” System and Framework 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 and is designed for those who are serious about changing their financial situation taking them off of the hamster wheel to abundance. 

I won’t sugarcoat it for you.

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

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

But no one teaches us the money part of business.
Specifically how to build a true net worth.

With Wise Money CURBS, you’ll discover…

By the time you finish Wise Money CURBS, you’ll have a complete financial blueprint and money management system that will create the wealth and the time freedom you so badly crave.

Most OTHER Business Coaches And Courses Help Businesses Scale, or budget, save, and just pay down a little debt… 

Two mantras I want you to write down…

"Higher revenues does not mean higher wealth. Yet business owners spend a fortune (time, energy and money) trying to scale…"

"You cannot save your way to wealth. Money that’s put to work works harder, faster and more efficiently than any human or bank account I've ever seen.”

Both are quotes I speak about at great length


Scaling kills time freedom
Budgeting and saving kills wealth


Both lack abundance, growth, balance, investing, and true wealth

Wise Money CURBS helps business owners turn their income into wealth through proven cash flow management, mindset and investing models.

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

Wise Money CURBS GIVES you the Confidence, Competence and Clarity to build wealth AND Financial Sovereignty

CURBS kills penny pinching, cutting, and frugality – all to save for some time “out there.”


Following a powerful 7-Step Approach

Colorful Minimalist Build Brand Brainstorm 3840 × 2080 px 1

Wise Money Success is the perfect balance of Impact, Time Freedom and Wealth, not some proverbial revenue goal. 

We diligently complete each step through the Wise Money CURBS Program: 

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 Sovereignty Academy’s 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 SA Investment Strategy and Portfolio Creation. 

I cannot speak highly enough of the CURBS program and of Krisstina and Macy. What they have created is literally life changing. When I first entered the program, I had a lot of credit card debt. Now, I am debt free. This is a whole new generational change of thinking for me. My parents and my family have never thought like this and now I'm the first one in my family to have this control of and love of money. Each time I take it I get more and more confident in what I am learning and confident in my financial legacy that I am creating. I can't speak highly enough. I absolutely love Krisstina and Macy, their transparency. Their humility, their vulnerability, they open the kimono. Macy and Krisstina, I am forever grateful for the program that you ladies have created
Angel Cellucci
Health Insurance Fraud Investigator

What's Included:

Still Wondering If WISE MONEY CURBS Is For You??

“I’m busy; what’s the time commitment?”

Your weekly commitment for the group is one hour on Zoom for Office Hours and usually 2-4 hours a week for homework. 

Are you too busy to build wealth? (I hope not!)

“I’m not making consistent income month to month; will this work?”


That’s exactly why Wise Money CURBS is the right place for you! 

We’ll help you get the systems and processes in place to make consistent income, and know what to do with it so you’re not living the feast or famine rollercoaster.

“I need to build better systems to handle more capacity; can you help?”

You’ll get access to the money systems I’ve personally, as well as get coaching specific to your financial situation. 

You also get my chart of accounts to help with your accounting and bookkeeping.

“Is this what my business needs?”

Look, if you’re not getting the results you want in your business, then something needs to change.

If you’re tired of feast and famine months and making more money, but still never having more money, then it’s time to finally change that. Hands-down coaching has been the one thing that has transformed my life, my business and my wealth and I’m sharing everything I learned (the hard way) with you.

“Is there a payment plan?”


You can join today for just 4 easy monthly installments of $1250, or invest in full for $5,000.

“Is there a money-back guarantee?”

Once you’re inside Wise Money CURBS, I know you’ll love it. 

By putting in the work, I know you’ll see results

When you jump into Wise Money CURBS, you make a commitment for 12 weeks to yourself, to me as your coach, and to your business. 

I’m not here for get-rich-quick schemes and there’s no such thing as an overnight success. 

You owe it to yourself and your family to build a legacy. 

If that’s not what you’re here to do; if you’re not willing to commit to 12 weeks, then I’d recommend finding a different program.

However, if you commit to the 12-weeks and complete the program and still don’t see the benefit we will of course give you your money back! 

Next Class Begins: October 3rd, 2022


The first step down a new road can be the scariest one to take — but don’t let fear steal your dreams.

After you take the first step, it’s as easy as putting one foot in front of the other and taking one step at a time. 

It won’t be long until you’re living the “dream” you fantasize about.

Just “making more money” and “scaling” isn’t the answer you’re looking for.

You’re ready to go deeper.

Results come from taking the information – and implementing it to create transformation.

This is something you get to do alongside a coach and mentor who is there to support and guide you.

You don’t have to figure this all out alone – I certainly didn’t figure it all out on my own!

I spent 15+ years and well over 7-figures to learn this stuff – and I don’t want you to go through the same thing.

I’m inviting you to take the next step with me and let’s do this together.

Your destiny is shaped by moments of decision.

Right now is one of those moments

What will you decide?

Will you continue to struggle running on the hamster wheel, hustling and grinding, and still feeling frustrated, overwhelmed, and wondering where all your money is? 

Choose your trajectory. 

Financially FREE or Financially F*CKED. 

Decide now to design and systematize your 7+ figure net worth to provide for you and your loved ones.

Come with me…

To get started, click the button and choose a time to chat. 

Complete your investment and you’ll immediately get an email with your member portal login instructions.

Once you’ve done so, dive right in and watch the first training before we begin the program on October 3rd.

I hope you decide to transform you life and business by joining Wise Money CURBS

KW Cut Out2

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 and WealthyWellthy. 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

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.
Kevin Stearns
Marketing Agency Co-Founder
Andrea Stearns
Marketing Agency Co-Founder

Your Coach

Macy Anderson

Macy Anderson is the method behind the madness. Partner & COO for Wealthy Wellthy, Co-Founder of Sovereignty Academy and Wise Money Bookkeeping & Consulting, and Founder of Macy Lanae Inc. She is a powerhouse born to lead, grow, and make impact. Only in her mid-twenties, she is the Master Coach for our flagship program, CURBS™, Chief of Operations & Strategy, and the bones behind the business.  By using this system, she has already built her own wealth and thriving portfolio. She is passionate about helping other young entrepreneurs do the same.