You're five weeks away from being stronger & smarter finacially than you've ever been

I N T R O D U C I N G

A STEP-BY-STEP SYSTEM + YEAR LONG SUPPORT TO ACHIEVE THE MONEY GOALS THAT MATTER MOST

(Without unnecessary sacrifice or the insanely frustrating cycle of taking one step forward and two steps back )

ENROLL NOW

Smart Cookie, ambitious, make-it-happener. I see you and I love the big goals and dreams you have for your life, and I know you completely understand that in order to succeed you have to take control of your money. Because making your money goals happen and having a plan you actually stick to is KEY to finally having a bank balance that you’re proud of, the peace of mind that comes with zero debt and the confidence that comes from knowing there isn't anything you can't handle.

Because in a perfect world you would look at your bank account and feel proud and confident. You would have more than enough money to cover your expenses, pay your credit card, fund your dreams and not have to worry about buying a latte or a booking a spontaneous weekend getaway.  

You’d tuck yourself under your duvet at night and feel a wave of contentment sweep over you, knowing you were in full control of your money and you would hop out of bed in the morning excited and confident about the financial goals you're bringing to life. 

But (pops the bubble) —that’s not happening quite yet.  

If anything, the days even when you do feel motivated to face your numbers and your money goals, panic starts to set in. You don't know where to start and you're left wanting to pull your hair out wondering why it always feels like you're not getting ahead as fast as everyone else.  

But it’s not that you’re not careful or smart with your money, you know what you're capable of. If you could just get your hands on a step-by-step plan that doesn't involve sacrificing everything that makes life worth living and have the right support to ensure this was the year you follow through.

It’s easy to feel like we need to figure it all out on our own. That’s what I was stuck doing for years, and it was the loneliest, most frustrating thing I’ve ever done...

Let's be real, you're motivated to make your money goals happen - that's crystal clear. But the path to actually doing it, is anything but .

MAKE MY MONEY GOALS HAPPEN. AWEOME. BUT HOW DO I MAKE THIS TIME DIFFERENT?  

THE TRUTH IS THAT YOU HAVEN'T ACHIEVED THE FINANCIAL SUCCESS YOU KNOW YOU'RE CAPABLE OF BECAUSE...  

IT'S EXAUSTING TAKING ONE STEP FORWARD & TWO STEPS BACK Creating a plan for your money isn't hard or complicated. But there are going to be setbacks that happen along the way - there are just so many potential points where it's too easy to just give up. Unexpected bills. Inconsistent income. It's all going to happen. Thing is, most people approach their money goals with a lot of good intention. But to actually make them happen requires more; you need a step-by-step system and habits to keep you moving forward despite what life throws at you.  

IT'S OVERWHELMING TRYING TO FIGURE OUT WHERE TO START Oh I've been there, stuck and overwhelmed. On the surface things may have looked great, but I was flailing... terrified of failing financially and desperate to finally figure it out . The truth is, that you absolutely cannot succeed alone. You have to find a mentor who will take you behind the scenes, guide you and support you.  

YOU HAVE A PhD IN AVOIDING THE NUMBERS Paging doctor, I would rather do anything else in the world than face the numbers. YOU! I know it's scary, I know it's waaaay to easy to avoid facing the numbers. But know this: you cannot succeed until you accept that you need to know exactly where your money is going. A you know what ? Done right, this process is actually fun and inspiring and something you'll look forward to doing (pinky promise). 

YOU DON'T WANT TO GIVE UP EVERYTHING YOU LOVE It's easy to feel like you have to choose between committing to your money goals, or actually enjoying life. But you don't. In fact, you're more likely NOT to make your money goals happen when you try to stick to a crazy restrictive budget. The real goal is to learn how to create a plan that allows you to spend with intention not deprivation.  

It's Time For A Fresh Start

Can I Let You In On A Secret?

So many people will set a fiancial goal and start with great intentions and set money goals, only to let their progress fizzle out.  

But then there are those who will shock themselves at what they accomplish in only five weeks, and not only make their money goals happen, but change their lives in the process. And I know you can do this!  

Because you're a Smart Cookie, and as long as you avoid the biggest mistakes that squash most money goals from ever being realized... you're going to be set up for success.  

Making this the time you make your most meaningful money goals happen: earning more, kissing your debt good-bye, spending less and saving more ; without sacrificing everything that makes life worth living.  

But the key is this – you have to have an effective, proven plan that takes the guesswork out, with real, step-by-step guidance and the support to make sure you follow-through. 


Transforming my own financial situation landed me on Oprah's stage. After co-authoring two personal finance books with Random House and being featured on the Today Show, The New York Times, CNN, and more I've spent the past ten years helping thousands of woman achieve life changing financial goals. And now I'm letting you in on the proven system that I've seen work time and time again, creating the most comprehensive, step-by-step implementation program for your money goals that not only gives you the how, but gives you the support to FOLLOW THROUGH no matter what. 


Your Richest Year 2020 is 5 Step System + Year Long Support where you'll get access to the exact process myself and the most financially successful women in our community have used to achieve life changing financial goals.  

Even if you're allergic to the numbers, there's no way you're cutting back on everything that makes life worth living, or if you feel like you’ve been forever stuck in the one step forward, two steps backward craziness.  

If you're ready set your goals, commit. AND MAKE THEM HAPPEN NO MATTER WHAT 

Here's how I'll help you get here:


" Friends, if I can do it, I know for darn sure YOU ALL can do it. This has been so inspirational to me. I am so very thankful that Sandra has made this an awesomely safe place to talk about money, to ask, explore, learn and share. I adore and appreciate all the support and positivity this past year and I hope I have been able to give that back to you all as well. 

Here’s to all of us and our money wins!"

- Robin Silk

"I never in a million years thought I would feel this good about my money. 

It's not that I didn't know what I needed to do, but I needed the support and to nail down the habits to actually make it happen. 

And honestly, it was easier that I thought with Sandra's help.

I'm not stressed about my credit card balance any more because it's at zero each month, my savings account is on fire and I can rest easy at night ( finally).

And the big dreams I have for my business and my family are happening!"

- Alisa Rose


YOUR RICHEST YEAR 2020

is the first program of it's kind to give you

  • A yearly & 90 day financial action plan that you’ll be excited about.  
  • The effective systems to put your success on auto-pilot.  
  • The habits to ensure you crush your money goals this year and years to come 


  • Access to a community of like-minded and inspiring women who are there to support and encourage you everystep of the way  



HERE'S EXACTLY WHAT'S INSIDE

 5 Live Foundation Workshops  


YOU GET INSTANT ACCESS TO ALL 5 CORE WORKSHOPS

CLARITY: UNCOVER & SET YOUR MOST IMPORTANT MONEY GOALS  

Do you have a clear vision and focused goals that allow you to move forward and make progress every day? And when I talk about goals, I'm not just talking about to-do lists and hopes of what could be. I’m talking about a clear and inspired vision and hyper focused goals that feel 100% aligned and intentional.

What does that mean for you?  

  • I'll show you how to get crystal clear on your TRUE priorities and get focused on making the RIGHT goals happen in 2020  
  • Because knowing what matters changes everything.  
  • You'll erase the overwhelming feeling of wondering what the next step is.
  • Gaining the clarity and confidence with an exact method to cut through everything you think you need to do and get crystal clear on the few goals that matter most.  
  • I'll coach you on creating your unique goals and your visioncast for 2020 and beyond.  


Workshop 2

YOUR MONEY BLUEPRINT: CREATING A CUSTOM PLAN YOU'LL FEEL CONFIDENT IN & EXCITED ABOUT  

Do you ever feel frustrated trying to make your money goals happen, wondering why you're not further ahead? Ready to be done with taking one step forward and two steps back.  

Stop beating yourself up. I'll help you get clear on your numbers introducing your to a new and inspiring method to manage your money, making it far easier to take control and guaranteeing you finally make your goals happen. You'll know exactly what you need to do each month to stay on track and plan to conquer potential setbacks with the THREE-STEPS-AHEAD system.  

What does that mean for you?  

  • Introducing the Freedom Formula: A new and inspiring method to manage your money and your spending. Making it far easier to take control of your money and guaranteeing you finally make your money goals happen. 
  • Based on the freedom formula, I'll show you how to create a simple monthly spending plan you'll feel confident in
  • Learn and implement the Debt Accelerator Plan: The month by month action plan that will help you pay off your debt faster and save thousands in interest.
  •  Use the THREE-STEPS-AHEAD strategy, the key to plan for inconsistencies in income and unexpected expenses. Without this strategy, this is where most goals get left in the dust. 


Workshop 3  

SYSTEM ENVY : THE SYSTEMS TO MAKE 2020 THE YEAR YOU FOLLOW THROUGH  

Does the thought of looking at your bank account want to make you break out in hives? Would you rather do a million other things than face your numbers each month? Have you ever spent hours digging through clutter for a bill, invoice or receipt? Are you finally ready to feel like your financial life is beautifully organized and set up to help you with your goals automatically?  

Let's simplify, systemize and strategize each aspect of your money so you can sleep better and spend more time and energy on the things you really love.  

What Does That Mean For You?  

  • Setting up your bank accounts in a way that will automatically fund your goals. I'll show you how to do this step-by-step.  
  • Swipe the exact monthly action plan to use to pay down your debt faster, paying thousands less in interest.  
  • Find sweet organizational bliss, with a monthly money review system that you'll actually be excited to do each and every month.


Workshop 4  

THE EDIT : SIMPLIFY YOUR MONEY & YOUR LIFE  

Want to know the #1 predictor of what makes or breaks following through on a money goal. It's the habit of living intentionally.  

Do you feel overwhelmed with clutter in your space and in your mind? Are you surrounded by “stuff” but nothing that feels truly special? Do most days fly by and you wonder what you have to show for it?  

It's time to make a change, Let’s uncover what’s weighing you down, change it, and get you living your own peaceful, abundant space and frame of mind  

Because every little choice we make in an ordinary day, matters more for your money than you may realize.  

 What does that mean for you?  

  • Get your hands on the exact process I use to simplify my expenses, my spending and my life. You'll clear the clutter, reduce your stress, and have more money for your goals. 
  • A simple yet crazy effective exercise to spend your money with intention, helping you find hundreds of dollars each month to put towards your goals. 
  • Learn how to de-clutter the excess "stuff" in your life by more than 75% and feel amazing about every purchase you make.


Workshop 5  

MAKE MINE A MILLION: THE HABITS & MINDSETS OF WEALTHY AND WILDLY HAPPY WOMEN  

Do you ever meet or see a wildly successful woman, who has not only built wealth but oozes happiness and joy... and wonder, "how did she do it?"  

I've been so lucky to meet and work with some of the most successful and incredible women. In this module I'm sharing the most impactful habits and mindsets I've learned from them that have changed my life.  

I'm breaking down exactly what's standing between you and your biggest dreams and showing you how to beat any obstacle, excuse or limiting belief - guaranteed!  

What does that mean for you?  

  • Understand in detail how to grow your income while keeping expenses lean, without feeling like you're sacrificing.
  • Steal my fail-proof system to make the right financial decisions especially in high pressure situations.
  • A simple exercise to identify the blocks that are holding you back, and how to overcome them for good. 
  • Becoming an investment insider, learning how the most successful female investors spot and optimize opportunities to build long term wealth. 
  • Having the scripts and specific examples to negotiate like a boss - you'll never be left wondering if you've left money on the table again.  

Guides & Templates

Your downloadable, printable guides to plan, implement and track your progress.  

Live Quarterly Review & Planning 

 In addition to the five live core program workshops, we’ll also have quarterly workshops to celebrate, reflect and set fresh goals and action plans for the next 90 days.  

Exclusive Members Area

24/7 access to call recordings, trainings, and resources.

Private Facebook Community

Private community of like-minded amazing women supporting one another.

HERE'S EXACTLY WHAT YOU GET WHEN YOU ENROLL  

  • ACCESS TO THE 5 LIVE RICHEST YEAR FOUNDATION WORKSHOPS - $697
  • FULL SUITE OF TEMPLATES & GUIDES - $97
  • QUARTERLY GOAL REFRESH WORKSHOPS - $497
  • PRIVATE MEMBERS ONLY COMMUNITY - $97 

TOTAL VALUE $1300 +

You'll Get Full & Instant Access To Everything For:

Still have some questions? I got ya covered! 

Q: What makes the Richest Year different from other programs?  

A: Well my friend, I created the Richest Year for you because I've been where you are; frustrated because I knew I was smart, I was beyond motivated and yet I was exhausted trying to figure out how to have the financial success I knew I really deserved. So, I made some BIG changes on how I set and achieved my money goals and now I'm handing over the exact system on how I did it, because I know you can too.  

Q: I'm really busy right now, do I have to follow week by week, or can I go at my own pace?  

A: No worries! You get full and instant access so that you can go at your own pace! Watch and re-watch on your own schedule.  

Q: Ok, I think I'm in! But what if I jump in and it's not the right fit?  

A: No need to worry about buyers remorse, I've got ya covered! I poured my heart into this program and I know that it will be a life-changing asset for your life like it has been for mine and the 1000+ amazing women I've had the privilege to lead in my online workshops. But, I want you to know I have your back: I have a pretty tight 30-day refund policy (only because I want to attract dedicated, go-getters to the course!) but if you put in the work, show me all your completed worksheets and notes, and your financial situation has not improved we’ll give you a complete refund. I don’t want you to second-guess your purchase for a second!  

Q: I don't know if this is the right time for me. 

A: Here’s what I think: a year from now, you’re going to wish you had started today. Sure, it’s going to take time, but time will pass anyway. And the money, if you're going to spend it, might as well be put towards something that's going to help you bring your dreams to life. This program will teach you how to change the way you look at your money. Whether you've been working on your money goals for 10 years or you're just getting started, this will lay a foundation for life long success. Trust me, your future self will thank you for taking a leap today!

Q: Will this work from me if I live in Canada?

A: Yes, I'll be covering specific details for both Canada and the US.

Have more questions? Email me at sandra@smartcookies.com

YOUR RICHEST YEAR 2020 IS FOR YOU IF...

  • You're tired of spinning your wheels. You're done setting money goals then taking one step forward and two steps back. 
  • You're exhausted trying to figure out the "how" and are ready for someone who has been-there-done-that to show you how to follow through on your money goals once and for all. 
  • You're willing to do what it takes to make your most meaningful money goals happen, but don't want it to feel like a struggle and don't want to give up everything that makes life worth living. 
  • You're ready to feel inspired about your money and do things differently. Understand in detail how to grow your income while keeping expenses lean, without feeling like you're sacrificing.
  • You kinda, sorta have a plan for your money, but want to feel more confident every single month that your money is helping you reach your goals. 
  • You're ready to understand what's been standing between you and your biggest financial goals and know 2020 is your time to conquer your obstacles, excuses and limiting beliefs.


If you said “yes” to at least 3 of the above, I can’t wait to work with you inside YOUR RICHEST YEAR 2020

"I almost don't recogise the person I was before working with Sandra. I was overwhelmed, unfocused and convinced someone else was going to rescue me from my financial mess. It wasn't pretty. What I've learned has changed my life. I'm in control of my numbers every single month, my debt is dissapearing faster than I ever imagined and just this New Years moved into my newly renovated condo on the Sunshine Coast! 

This is just the begninning, I'm so excited for what's ahead!"

- Andrea Hill

"I wish I had never racked up all that debt. I can see my mindset then. It is completely different now; however, I needed to go through that experience to get where I am now. By this time next year, I’ll be almost done! I can hardly wait. I love paying off debt now, rather than incurring it. It’s been a total change for me. Those old compulsions are gone, for the most part and I can see them coming now ahead of time. This is all very empowering!!"

- Camille Gifford