Stop wondering where your money went.
You've been invited to the Founding Alpha of Find Your Margin, a guided spending reset built by Next Chapter Financial Coaching. Full access, full program, all 10 lessons. In exchange, all we ask is your honest feedback at the end.
Claim My Free Alpha SeatNo credit card. No catch. Full program. Real feedback only.
In 7 days, you'll have:
- a clear picture of where your money goes
- a list of leaks worth fixing first
- a bill-to-paycheck map
- a starter budget that works in real life
- a 90-day plan tied to one real goal
You make money. But it still feels like it disappears.
Maybe you've tried:
- budgeting apps
- random spreadsheets
- telling yourself you just need to spend less
- starting over every few weeks
And maybe none of it has really stuck.
You're not alone if:
- you feel like your paycheck disappears too fast
- you know you're wasting money somewhere, but you're not sure where
- you want to save, but something always seems to get in the way
- you feel like you should be further along by now
- you're tired of avoiding your numbers and hoping next month feels different
Spending less is only part of it. The bigger win is getting clear on:
- where your money is going
- what's quietly draining it
- what to change first
- and how to build a system that works in real life
Why budgeting hasn't stuck before
For most people, the problem isn't a lack of effort.
It's that they've been trying to fix money backwards.
They start with pressure and guilt and a vague promise to have more discipline next month.
But real progress usually starts somewhere else:
That's the order Find Your Margin follows. Each day does one thing. By Day 7, you have a system you can actually keep.
You won't be tracking every penny forever. The point is clarity, some breathing room, and a plan you'll keep using.
Introducing Find Your Margin
What it helps you do
- see where your money is going
- find recurring + everyday leaks
- lower normal monthly costs
- map bills to paychecks
- build a starter budget
- create a 90-day action plan
What you'll get
- 10 short lesson videos
- 37-page workbook
- 7 Google Sheets tools
- copy-and-use scripts
- 90-day follow-through system
What it's NOT
- a generic budgeting course
- a pile of downloads with no guidance
- a complicated system you'll abandon in 3 days
This is a guided reset built to help you make real, visible progress in one week, plus the structure to keep that going for the next 90 days.
Everything that comes with your Alpha access
10 video lessons
Welcome, Day 0 through Day 7, plus a Bonus module for tight months. Average 4 minutes each.
Watch a 60-second sampleThe Find Your Margin Workbook
37 pages. Fillable PDF or printable. It's the spine of your 7 days, and every lesson points back to a workbook prompt.
Preview a workbook page7 Google Sheets tools
Spending Snapshot, Subscription Audit, Leak Heatmap, Bill Timing Map, Starter Budget, Goal Path, 90-Day Action Plan.
Preview a toolScripts and templates
Cancellation. Negotiation. Due-date change requests. Hardship triage. Tested wording for the conversations most people avoid.
The 90-day follow-through system
This turns a good week into a system you keep. You get weekly check-ins, monthly resets, and prompts to automate the parts worth automating.
The Margin Guarantee
Active on all paid editions. Complete the 7 days and don't have a clear plan? Full refund. 60 days to decide.
What happens in 7 days
Welcome: Start Here
How the program works, what to expect, and how to set yourself up to actually finish.
Day 0: Setup + Choose Goal Path
Get organized, choose your main money goal, and start with clarity instead of overwhelm.
Day 1: Money Snapshot
See where you stand by mapping income, fixed bills, debt minimums, and savings.
Day 2: Subscription + Recurring Charge Audit
Find the money leaving on autopilot and decide what to keep, pause, cancel, or downgrade.
Day 3: Everyday Spending Leak Finder
Spot the spending patterns that are quietly costing you the most.
Day 4: Lower the Cost of Normal Life
Find realistic ways to reduce everyday costs without making life miserable.
Day 5: Bill Timing + Budget Build
Map bills to paychecks and build a starter budget that works in real life. (Heavier session, so plan 30 to 60 minutes.)
Day 6: Put the Saved Money to Work
Choose where your freed-up money should go based on your biggest current goal.
Day 7: Make It Stick for 90 Days
Build a simple follow-through system so you don't end up right back where you started.
Bonus: What to Do If You're Still Short This Month
If things are still tight right now, you'll get a calm short-term triage plan. Bill prioritization, hardship scripts, what to call first, what to defer.
Who this is for
This is for you if...
- you make money but still feel like it disappears
- you want to get out of debt, build savings, buy a home, or finally start retirement progress
- you've tried budgeting before, but it never really stuck
- you want something practical, not preachy
- you want a real system, not random tips
- you're ready to take action, even if you don't have everything perfectly organized yet
This is probably not for you if...
- you want advanced investing education
- you want a complex financial planning program
- you're looking for legal, tax, or investment advice
- you're not willing to look honestly at your spending
- you want someone else to do the work for you
This Alpha is for people who want a clear picture of their money and a practical next step, and who are willing to share honest feedback so we can make Version 2 better.
Why this is free for you
This is the Founding Alpha release of Find Your Margin. You're one of the first people taking the full program, before it goes public.
Here's what we're asking in return:
- Finish the 7 days. Even if life gets in the way, give it a real shot.
- Fill out a 10-minute feedback form on Day 8. We send the link automatically.
- If you found it useful, share a short testimonial we can use on the public page.
That's it. Your feedback decides what stays in Version 2 and what we change. And you keep the full product no matter what.
After this Alpha cohort wraps, the program launches publicly at $47 for the first 100 Founding Members, then $77 for Launch Week, then $97 as the standard price. You're getting it at $0 because your feedback is worth that much to us.
About the course creator
Greg Raphan's clients have, on average, found about $1,000 in newly available monthly budget after working with him. He's a Certified Financial Coach and the founder of Next Chapter Financial Coaching. He started the practice after paying off more than $100,000 in personal debt, which taught him how big the gap is between knowing what to do with money and having a system that actually fits real life. Greg built Find Your Margin to put that system in reach for people who want clarity without committing to one-on-one coaching.
Questions? Email us at contact@nextchapterfinancialcoaching.com
Founding Alpha access
Free for invited users. You get the full product. We get your feedback. Fair trade.
- 10 video lessons
- The 37-page workbook
- All 7 Google Sheets tools
- All scripts and templates
- The 90-day follow-through plan
- The Bonus module
- Lifetime access, so you keep everything regardless of feedback
No credit card. Instant access. Keep it forever.
The Margin Guarantee
Complete the 7 days. If by Day 7 you don't have a clear picture of where your money is going, a list of money leaks worth fixing, a bill-to-paycheck map, a starter budget that works for your real life, and a 90-day plan tied to your main goal, we'll refund the full purchase price. You keep the workbook, the Google Sheets tools, the videos, and the scripts. 60 days to decide.
Frequently asked questions
The honest objections
"I can probably figure this out on my own."
You probably could piece parts of this together for free.
But free advice is usually scattered. This product gives you:
- the right order
- the right tools
- the right decisions
- and a finish line
That's what makes it valuable.
"I don't want another money product I never use."
That's fair. This was built to avoid that exact problem. It's short, structured, action-focused, and designed to help you create visible wins fast.
"I don't have enough money to spend on this right now."
That concern makes sense. For Alpha, it's a non-issue, since it's free. For the future paid releases, the program exists specifically to help you find leaks, reduce waste, and create breathing room. It's built to pay for itself quickly even at the $97 standard price.
"I don't want something that makes me feel judged."
Neither do we. The whole tone is calm and practical, with no guilt. The goal is clarity and a way forward.
"How do I know this is legit?"
Built by Next Chapter Financial Coaching, a registered financial coaching practice founded by Greg Raphan, a Certified Financial Coach. His clients have, on average, found about $1,000 in newly available monthly budget after working with him. The Margin Guarantee backs every paid edition. There's a real contact email, a real refund policy, and a real person you can reach through the support page. Individual results vary.
You don't need a perfect money system right now.
You need a clear next step.
If you're tired of:
- wondering where your money went
- avoiding the numbers
- leaking money every month
- and starting over again and again
this is your chance to reset with something practical, for free, while we're still gathering Alpha feedback.
Claim My Alpha SeatClaim your seat and start Day 0 today.