Twenty minutes
Each rep is sized for a single sitting — a coffee, a commute, a quiet half-hour on a Sunday.
the reps subscription
Reps is a weekly personal finance practice delivered to your inbox every Tuesday morning. Each rep is a short, specific exercise — a number to know, a question to ask, a document to find, a conversation to have — designed to build real financial fluency in under twenty minutes a week.
the promise
A weekly subscription practice — one rep in your inbox every Tuesday, a supporting worksheet, a members-only thread, and a growing library you keep for as long as you're a member.
why reps works
Each rep is sized for a single sitting — a coffee, a commute, a quiet half-hour on a Sunday.
Every week focuses on a single, specific muscle. No twelve-step guides. No 47-page workbooks.
Reps stack. The work from week 4 makes week 17 easier. The work from week 17 makes year two inevitable.
No leaderboards, no public streaks, no notifications. Your practice belongs to you.
inside a single week
the 52-week curriculum
| week | the rep | topic | downloadable asset |
|---|---|---|---|
| 01 | Know Your Number | Net worth | Net Worth One-Pager |
| 02 | The Money You Actually Spend | Cashflow audit | 30-Day Spending Map |
| 03 | The Bills Behind the Bills | Recurring subscriptions | Subscription Sweep Checklist |
| 04 | The Emergency Number | Emergency fund sizing | Runway Calculator |
| 05 | Credit, Clearly | Credit reports & scores | Credit Pull Script |
| 06 | The Debt Inventory | All debts in one place | Debt Ledger Template |
| 07 | The Interest You Are Paying | APR vs. APY | True Cost Calculator |
| 08 | The First Investment Account | Brokerage basics | Account-Opening Checklist |
| 09 | Index Funds, Plainly Explained | What you actually own | Three-Fund Primer |
| 10 | Your Retirement Number | Long-horizon math | Retirement Number Worksheet |
| 11 | The Employer Match | 401(k) optimisation | Match Audit Worksheet |
| 12 | The Quarterly Review | Looking back to look forward | Q1 Review Template |
and then — three quarterly arcs
weeks 13 – 26
Joint accounts, shared visibility, the money conversation with a partner, and running the home like a quiet company.
weeks 27 – 39
Salary conversations, raises, contracts, equity, and the financial vocabulary of being taken seriously at work.
weeks 40 – 52
Estate basics, beneficiaries, the family money conversation, and the documents your people should be able to find.
the first fourteen days
choose your rhythm
one rep · every other week
free
the full weekly practice
$24 / month
everything · plus the room
$240 / year
in their own words
Reps replaces the noise of personal-finance media with one specific exercise, one good worksheet, and one honest question — every Tuesday morning, for as long as you want to keep practising.
We don't sell products. We don't push platforms. We teach you to read your own money like a fluent adult — slowly, privately, and on your own schedule.
By week 12, you can name your numbers. By week 26, you can run your household like a company. By week 52, you can sit in any financial conversation without flinching.
four promises
Every rep arrives Tuesday at 7am, in your timezone. Never a push notification, never a buzz.
Each rep is built to be done once and kept — not skimmed and deleted.
No public comments, no streaks, no shaming. Your practice is yours.
One click to pause for a season. One click to cancel. The door is always unlocked.
questions, answered
"the work is weekly. the change is permanent."