The Conscious Currency®
By Ripple Out
Ripple Out's flagship methodology for understanding why you do what you do with money, and building a life it serves.
See how it works →Underneath the numbers
Money has never been simple, and it isn't getting any easier. It moves with the tap of a phone, keeping up with the neighbours has become keeping up with the world, and rising prices give our fear of never having enough plenty to feed on. Some people earn well and never feel secure, some can't work out where their money goes, and others are simply trying to get by.
And in Britain, talking about it is taboo. Most of us were never taught how inflation, interest or debt work. We were handed a payslip on our first day at work and left to get on with it, fighting our own lifelong money battles alone. If things go well we might get a job, buy a house and build up some savings, but fewer than one in ten of us get financial advice in any given year.
The Conscious Currency opens up the money conversation at any stage of life, and helps you understand what's going on beyond the numbers, which only ever tell half the story. It looks at the world your money lives in and what you took on from the people who raised you, and it pays attention to how money affects you emotionally and physically. From there it moves forward, helping you work out what enough looks like for you, how you want to spend your time, what your money is really for and what you want to leave behind.
Who it's for
The Conscious Currency is for you if you:
- Feel anxious about money
- Lose track of where your money goes each month
- Feel guilty spending on yourself
- Measure your progress against everyone else's
- Avoid talking about money with your partner, or argue when you do
- Are facing a big change in your life and don't know what it means for your money
And you want to:
- Understand where your money habits came from
- Have words for what you do with money, and why you do it
- Notice how money stress shows up in your body, and learn to settle it
- Work out what enough means for you
- Put your money and your time towards what matters to you
- Pass healthier money habits on to your children
How it works
The same three phases run through the book, the coaching and the courses. The phases can be followed through from start to finish, or you can head directly to the element most relevant to you right now.
Seeing
Why do I do what I do with money?
- 01The Journey
- 02Everyday Money
- 03Inheritance
- 04The Money Characters
Loosening
What do I hold on to, and what can I let go?
- 05Thresholds
- 06Healing
- 07Your Money Story
Choosing
What is my money for?
- 08The Art of Enough
- 09The Currency of Time
- 10Meaning
- 11Legacy
- 12The Practice
The frameworks
The Conscious Currency draws on more than twenty frameworks, each working on a different side of your relationship with money: psychological, behavioural, relational and physical. Among them:
The Money Characters™
Put names to the patterns behind your money habits.
The Inheritance Map™
Trace where your money beliefs came from.
The Fear vs Trust Spectrum™
See what's really driving your money decisions.
The Four Reflexes™
Notice how your body reacts to money.
The Money Memoir™
Write the money story you've been living, and start the one you want.
The Permission Framework™
Find out what you let yourself earn, keep and receive.
The Three-Colour Spending System™
See how well your spending matches what you value.
The Enough Threshold™
Define what enough means for your life.
Each framework is taught in full as part of the wider method, through the book, one-to-one coaching and workshops. The Conscious Currency isn't therapy and it isn't financial advice.
The eight Money Characters
Within every money story there are characters playing a role, and you'll recognise them in what you do with money. Each has strengths that can protect and guide you, but lean on one too heavily and it starts to hold you back. A healthy financial life needs the full cast. The Conscious Currency first holds up the mirror, then shows you how to bring each character onto the stage.
Meet your Money Character
Most people tend to have a dominant character, and often a secondary one will show up too. Seeing is the first step.
Tools
Interactive tools built on the methodology. A good place to start.
The Pause
A moment of calm for when money stress becomes too much.
Open →Financial Body Scan
An eight-minute meditation to find and ease money tension in the body.
Open →Three-Colour Spending
Sort your spending into yellow for necessities, green for chosen and pink for unconscious.
Open →Budget Lens
See your budget through your Money Character.
Open →The Priority Compass
A five-minute reflection for when a financial dilemma arrives.
Open →Big Money Moments
A seven-minute reflection for retirement, a career change or another big money moment.
Open →Money Memoirs
A library of honest money stories, launching with the book.
Coming soon →These tools are for reflection only. They are not financial, medical or psychological advice. All inputs are held locally and Ripple Out does not ask for, see, hold or keep any personal information. Privacy
Meaning &
The Art of
Enough.A Conscious Currency BookSam TateRipple Out
The book
Money, Meaning & The Art of Enough introduces The Conscious Currency through the stories of people working through their money. Following the three phases in order, you'll begin to see your own story clearly and get a stronger sense of how to align your money with the life you want.
The book is a way into the work, with pauses for reflection along the way. A companion workbook will follow for anyone who wants to take it further.
Ways to start
Online courses
Self-paced courses that help you work through The Conscious Currency step by step, in your own time.
Coming soon →Work with Sam
Explore ways to work or talk through the methodology directly with Sam.
Arrange a conversation →For business
Any or all modules of The Conscious Currency can be delivered to your teams, as a video programme or through talks and workshops.
For professionals
Bring The Conscious Currency into your firm. Start with the Adviser Toolkit or a bespoke presentation, or deliver it in-house through Practitioner Certification, launching in 2027.
Behind The Conscious Currency
The Conscious Currency was developed by Sam Tate, founder of Ripple Out, after two decades in financial planning, including co-founding an award-winning financial planning firm.
It is the first methodology to grow out of Wela, the idea behind everything we do at Ripple Out. Rooted in money, it soon reaches into the rest of your life: your time, your relationships, how your body handles stress, and what you want your life to be about.
Life, money and meaning
Occasional writing from Sam on money, work and the rest of a life.
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