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The 6-Week Money Turnaround.

By Joshua Humada

For business owners, freelancers, 1099 contractors, sales professionals, and real estate agents who make good money and still don't know how well they're managing their income or where the money is actually going.

Six weeks. One written plan. Everything organized, a clear picture of your cash flow, a system for managing all of your money (personal and business) so every dollar has an assigned job the moment it shows up, and your estate documents completed by you on Trust & Will, with the cost of your plan covered, so your family stays protected with or without you.

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Book a call. A conversation about where you are and whether the Turnaround is a fit. No charge and no obligation.

01 / Who this is for

Built for the cash flow rollercoaster.

Some months are big, some months are nothing, and your bills don't care. If you're paid by the deal, the job, the client, or the closing, you know the loop. Six weeks builds the system that levels it out.

A business owner standing in their own space, keys in hand

The Owner

A shop, a practice, a crew, or just your own time. Revenue in, bills out, paying yourself with whatever's left, and a tax set-aside you basically made up. What's actually yours is a guess.

A freelancer working on a laptop at a kitchen table

The Independent

Freelancer, consultant, 1099. Every client pays on a different schedule, some pay late, and you couldn't say which months run slow. So every slow month feels like a crisis instead of a pattern.

A real estate agent opening a lockbox on a front door

The Agent

Paid at closing, and closings don't follow a calendar. The broker is slow to cut the check, and the car, the dues, and the marketing get paid whether or not anything closed this month.

A sales professional on the phone, mid-conversation

The Closer

Base plus commission, or commission only. Big months, quiet months, and a draw that can turn into money you owe back. You've earned plenty. You just can't say what's actually yours.

A contractor at a truck tailgate on a job site, early morning

The Builder

Contractors, trades, owner-operators. Paid by the job, buying materials before the deposit clears, carrying a crew between projects. You gross big, net small, and "waiting on the check" is a way of life.

An open road winding through golden hills at sunrise

The Freedom Seeker

You don't have to fit a box. If you're tired of the rollercoaster and want a complete reset, everything organized, a system that runs itself, a direction you chose, you're in the right place.

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A person moving from financial chaos and falling bills to calm clarity and a clean digital system

Not a course. A six-week transformation.

Six private calls with Joshua Humada, one a week, plus a direct line in between. One person who knows your whole picture, building it with you until it's done.

A money operating system that runs itself.

Your entire financial life in one view, business and personal apart, and every dollar given a job the moment it lands. You stop re-deciding every payday.

A system that catches what slips

We find the leaks, the forgotten subscriptions, the fees, the bills that crept up, and fix what's dragging your cash flow.

02 / The six weeks

One call a week. Each one finishes something.

Week 1

Your Money Roots

We start with who you are and what you actually want: your money story and where you're going. Before any numbers, what your experiences with money have taught you, what you want, and what you're really building toward. Most financial plans fail because nobody asked this first. We name what matters to you, why you want it, paint the vision, then we go get it.

Your Money Roots: a fine mint and gold line illustration

Week 2

The Snapshot

We put your entire financial life in one place. Every account, every debt, every asset, income and expenses, business or personal, in one visible picture that organizes itself so you can see it. Then I teach you the fundamentals of knowing where you stand and staying organized for the rest of your life, no matter how much you make. We start simple, give you a real scoreboard, and build yours. Most people have never seen this number.

The Snapshot: a fine mint and gold line illustration

Week 3

Your Money Vitals

This is where you look at everything. We build a set of scores you can use to understand, from here on out, how to make better financial decisions. You see where you stand right now and what these vitals mean for your overall financial health. You walk out knowing your numbers the way a doctor knows your health from your vitals.

Your Money Vitals: a fine mint and gold line illustration

Week 4

The Money Sweep

This is where we go looking for money. With everything connected and your vitals in hand, we sweep every recurring charge, subscription, fee, and bill that crept up, and decide what stays. Then we look at what's dragging your cash flow and fix it: the categories quietly eating your month, the bills worth a second look, and the owner pay that needs a real number. You leave with more room in the month and a sweep queue you keep running.

The Money Sweep: a fine mint and gold line illustration

Week 5

Implementing Your Cash Flow Plan

This is where we build the automated money bucket system. We decide what goes where the moment income arrives, so you stop rethinking it every time you get paid. A written plan for exactly how money moves: what comes in, which accounts it lands in, what percentage goes where, and how you'll manage your money from here forward. We set it up to run on its own instead of relying on your willpower.

Implementing Your Cash Flow Plan: a fine mint and gold line illustration

Week 6

Integration

This is where we capture everything we did and give you guidance on how to maintain a good money management system moving forward. We cover what to do if things fall apart, how to maintain a rhythm of holding yourself accountable, and options for continued support if you need it. We also check in on your estate plan, the bonus you complete through our estate planning provider on your own schedule. You leave with a written action plan: everything we built, everything you decided, and your next moves, in one document you keep.

Integration: a fine mint and gold line illustration
03 / What's included

What's included

  • Six private 60-minute calls with Josh

    One a week, one on one, on video. Not a group call, not a recording, not a chatbot.

  • The One-Picture Setup

    Done with you in week two: every account, debt, asset, dollar in and dollar out, business and personal kept apart, all readable in one place. Includes the plain English walkthrough of read only bank access and exactly what it does and does not expose.

  • The Moment-It-Hits Money System

    What happens to a dollar the second it lands: owner pay, set aside, saving, spending, as percentages that flex with income that changes. A fixed budget breaks in month two. This does not.

  • The Clean Split

    Business money and personal money, cleanly separated: which account, which card, which space, and a setup that keeps them that way. Your records stay organized all year, not just when someone asks for them. Preparation and tax advice stay with your CPA.

  • The Learning Menu

    General financial education, in order: what to learn, when, and the exact questions to ask your CPA, your attorney, or an advisor. Nothing is recommended and nothing is sold.

  • The Weekly Money Checkup Practice

    Week six ends with a full closing summary and action plan you keep, and you leave running the fifteen minute checkup on your own.

  • The Money Leaks Sweep

    A first cleanup pass on your transactions in week two, then the full sweep in week four: recurring bills found, subscriptions audited, and the weekly sweep queue you keep using.

  • The Money Vitals Check

    Your Freedom Score and Flow Scores read together, so you can see the health of the whole picture and make decisions from it. 

04 / Bonuses

And then there's these.

  • The With-or-Without-Me Plan

    Estate documents completed by you through Trust & Will, an independent estate document platform, with your plan paid for by me: last will and testament, HIPAA authorization, advance healthcare directive (also called a living will), and power of attorney.

  • The Open Line

    Ongoing access to me between sessions by telephone and email as reasonably needed, for all six weeks. The decision that comes up on a Tuesday does not wait until the next call.

  • The Second Seat

    Your spouse or business partner joins any call and gets their own seat in the app, at no extra cost. Money stops being the thing one of you handles alone.

  • The Short List

    My vetted partners for account setup, bookkeeping, tax work, and the tools actually worth paying for.

  • A Full Year of MoneyYogi, Free

    The software the six weeks are built in, included for a year, so the picture you organized stays organized. $20/month or $199/year after that, at a rate that does not go up while you stay.

  • The 90-Day Check-In

    One more private call ninety days after week six, to see what held, fix what drifted, and get you pointed at the next thing.

05 / What this is not

What this is not

This is not investment advice.

We will not discuss what to buy, sell, or hold, how to allocate a portfolio, or which accounts to invest through. Not because it isn't important, but because it's a different service, delivered by a different company, under different rules.

This is not legal advice.

I don't draft your documents, interpret them, or tell you which estate planning strategy to choose. I pay for your plan on the platform, I explain why a will, a HIPAA authorization, a healthcare directive, and a power of attorney matter, and I hold you accountable to finishing. You enter your own information and make your own decisions. Legal questions go to an attorney; the estate planning provider offers access to theirs.

This is not tax preparation or tax planning.

We look at your effective tax rate as one of your vitals. We do not plan your taxes, and I don't prepare returns. If your situation calls for it, I'll tell you to talk to a CPA.

No investment accounts.

We guide you in setting up basic bank accounts where needed, not investment accounts. I never take your login credentials and I never move your money. You have to be ready to do the work.

06 / The price

$1,800

Book a call. A conversation about where you are and whether the Turnaround is a fit. No charge and no obligation.

Book a call
07 / Who you work with

Every call is with Joshua Humada.

Joshua Humada, founder of MoneyYogi
Joshua HumadaFounder, MoneyYogiOwner, Money Holistics

Joshua Humada is the founder of MoneyYogi and the owner of Money Holistics, the advisory practice. He has spent his career working with small business owners, 1099 workers, sales professionals, and people who own their own time.

There is no team of associates behind this page: you get him, for six weeks, one-on-one. Read his full story.

Six weeks from now, you will thank yourself.

Book a callOr just start with the app

The 6-Week Money Turnaround is a financial planning engagement offered by Boundless Wealth LLC d/b/a Money Holistics. Satisfaction Guarantee. If the Client notifies the Advisor in writing within thirty (30) days of the start date that the Client is not satisfied, the Advisor will refund all fees the Client has paid under this Agreement. The refund will be paid within thirty (30) days of that notice. The guarantee covers the Advisor’s own fees. It is not a guarantee of investment performance, savings, or any other result, and it does not cover fees charged by the Custodian or any third party. This guarantee is in addition to the Client’s right to terminate within five (5) business days of signing at no cost. The program is offered under the product name 'The 6-Week Money Turnaround'. Software used during the program is provided by MoneyYogi LLC, which is not an investment advisor and does not provide investment advice, recommend securities, or advise on the selection of investments, investment accounts, or investment managers. Boundless Wealth LLC and MoneyYogi LLC are under common ownership. This is a conflict of interest, because Boundless Wealth has a financial incentive to recommend software from an affiliated company. Neither company provides legal or tax advice or practices law. Estate planning documents are prepared by you through Trust & Will, an independent third-party estate document platform; neither company drafts, reviews, or interprets legal documents. Completing this program does not require you to become an ongoing advisory client, and becoming an ongoing advisory client does not require you to complete this program. No portion of the program fee is compensation for ongoing investment advisory services. Program fees are collected by Boundless Wealth LLC under a separate advisory agreement, and are never billed or processed through the MoneyYogi application.