Money & Wealth Courses That Go Beyond Basic Finance Tips
Most money courses teach the same thing: Budget better. Save more. Invest in index funds.
That’s fine advice. But if you already know that and you’re still stuck financially, you need something different.
Maybe you need advanced investment strategies. Maybe you need to address the mindset blocks preventing you from earning or keeping money. Maybe you need a completely different relationship with wealth.
I’ve reviewed money and wealth courses looking for ones that go deeper than basic personal finance. Programs that teach advanced strategies, address psychological obstacles, or provide frameworks for significant wealth building.
Here are seven that stood out—each approaching money from a different angle, but all going beyond “just spend less than you earn.”
Advanced Wealth Education for People Ready to Grow
1. Ultimate Options by Andy Tanner (The Cash Flow Academy)—Best Options Trading Education
Trading Focus: Stock options for income generation Instructor: Andy Tanner specializes in cash flow strategies Approach: Conservative options strategies, not gambling
Andy Tanner’s program teaches options trading—but not the risky speculation most people associate with options. This is about using options for consistent income.
Options Education Framework: ✅ Foundation First: Understanding options mechanics before trading strategies ✅ Income Focus: Strategies designed to generate regular cash flow ✅ Risk Management: Conservative approaches that limit downside ✅ Cash Flow Academy Method: Specific system for sustainable income
What You’re Learning:
- How options actually work (calls, puts, strike prices, expiration)
- Income-generating strategies (covered calls, cash-secured puts, spreads)
- Reading and analyzing options chains
- Risk assessment and position sizing for options
- Managing trades once they’re open
- Building a portfolio that generates monthly income
Strategic Components:
- Identifying stocks suitable for options strategies
- Timing entries and exits based on technical analysis
- Adjusting positions when market conditions change
- Tax implications of options trading
- Scaling strategies as account size grows
Reality Check: ❌ Requires Capital: Options trading needs substantial account size ($5K+ minimum, ideally $10K+) ❌ Learning Curve: Options are complex—expect months of learning before real proficiency ❌ Not Get-Rich-Quick: Income strategies generate consistent returns, not lottery wins ❌ Risk Still Exists: Even conservative options strategies can lose money
The value here is learning legitimate income-generating strategies instead of speculative gambling disguised as options trading.
Best For: People with investment capital who want to generate income from it. Those willing to learn complex strategies for better returns.
2. 3D Money by Erika Kullberg—Best Complete Money System
Scope: Comprehensive financial management Approach: Organizing every aspect of money life Foundation: Getting financially organized before advanced strategies
Erika Kullberg’s 3D Money is the foundation you need before pursuing advanced wealth strategies.
Complete Money Framework: ✅ Budgeting Systems: Practical tracking and allocation methods ✅ Debt Management: Strategic approaches to eliminating debt ✅ Savings Architecture: Building emergency funds and goal-based savings ✅ Investment Basics: Introduction to investing once other areas are solid
What This Organizes:
- Cash flow management and budgeting you’ll actually maintain
- Debt payoff strategies that optimize interest and timeline
- Emergency fund building (3-6 months of expenses)
- Retirement account setup and contribution optimization
- Account organization (checking, savings, investment, etc.)
- Automated systems that reduce financial decision fatigue
Financial Foundation Components:
- Understanding where money goes currently (tracking)
- Creating spending plans that fit your life
- Prioritizing financial goals realistically
- Building cushion before riskier investments
- Organizing financial accounts for clarity
Honest Assessment: ❌ Basic for Some: If finances are already organized, this covers fundamentals you know ❌ Not Advanced: Doesn’t teach complex investing or wealth building strategies ❌ Requires Work: Actually organizing your money feels tedious but necessary
Think of this as the prerequisite for everything else. You can’t build wealth on a disorganized financial foundation.
Best For: People whose finances are messy or disorganized. Those needing basics before advanced strategies.
3. Cash by Melanie Ann Layer—Best Money Mindset Work
Approach: Energetic and mindset approach to money Focus: Internal blocks preventing wealth Philosophy: Consciousness creates financial reality
Melanie Ann Layer teaches wealth from an energetic perspective—addressing the internal obstacles most people don’t realize they have.
Money Mindset Framework: ✅ Belief Identification: Uncovering unconscious limiting beliefs about money ✅ Energy Shifting: Changing your energetic relationship with wealth ✅ Worthiness Work: Addressing self-worth issues that cap income ✅ Alignment Practices: Creating from abundance, not scarcity
What This Addresses:
- Money beliefs inherited from family and culture
- Self-sabotage patterns that prevent keeping wealth
- Fear that comes up as you earn more
- Worthiness issues (feeling you don’t deserve wealth)
- Energy practices for staying aligned with abundance
Consciousness Components:
- Identifying where you’re blocking money flow energetically
- Clearing ancestral money trauma and programming
- Building capacity to receive larger amounts
- Working through discomfort as income increases
- Maintaining abundance consciousness during challenges
Reality Check: ❌ Not Strategy-Based: Won’t teach specific money-making tactics ❌ Requires Openness: If you’re purely logical, this might feel abstract ❌ Complements Action: Mindset alone won’t create wealth—strategy still matters
But here’s the thing—if you make money and immediately sabotage it, or can’t break through income ceilings, mindset work might be what’s missing.
Best For: People with knowledge/skills but internal blocks. Those noticing self-sabotage patterns with money.
4. Embodied Millionaire by Shelly Bullard—Best Identity Transformation
Focus: Becoming someone who naturally creates wealth Method: Identity-level shift, not just behavior change Integration: Embodying wealth in your nervous system
Shelly Bullard teaches wealth creation through identity transformation—changing who you are at a fundamental level.
Identity Shift Framework: ✅ Embodiment Work: Being wealthy, not just having money ✅ Nervous System Rewiring: Changing deep patterns around money ✅ Identity Evolution: Shifting from “trying to get rich” to “being wealthy” ✅ Sustainable Wealth: Creating money that feels natural and aligned
What You’re Doing:
- Identifying current money identity and its limitations
- Embodiment practices that shift how you relate to wealth
- Building capacity to receive and hold money at higher levels
- Releasing scarcity programming from nervous system
- Integrating new levels of success as you grow
Consciousness Work Includes:
- Understanding how current identity limits wealth
- Working with discomfort as you expand capacity
- Becoming someone for whom wealth is normal, not exceptional
- Managing fear and resistance that arise with growth
- Staying grounded while expanding financially
Honest Take: ❌ Not Tactical: Won’t teach specific wealth-building strategies ❌ Deep Work: This is significant personal transformation ❌ Abstract for Some: If you need concrete tactics, start elsewhere
This is for people who’ve noticed their internal state consistently affects external money results. It’s identity work, not strategy.
Best For: People who make money but can’t keep it. Those recognizing internal patterns limiting wealth.
5. Exponential Wealth 2024 by Melanie Ann Layer—Best Wealth Acceleration
Focus: Rapid wealth expansion (not overnight riches) Method: Strategy plus energetic alignment Timeline: Compressed growth timeframes
Melanie’s Exponential Wealth program teaches accelerated wealth building—growing faster than typical timelines without sacrificing sustainability.
Acceleration Framework: ✅ Multiple Income Streams: Creating wealth from various sources strategically ✅ Energetic Alignment: Ensuring energy supports rapid expansion ✅ Strategic Action: Combining practical tactics with consciousness work ✅ Capacity Building: Expanding ability to receive and manage larger money flows
Wealth Expansion Components:
- Identifying highest-leverage opportunities for your situation
- Creating multiple income streams without overwhelm
- Scaling existing income sources exponentially
- Investment strategies that accelerate wealth building
- Energy practices supporting rapid growth
Mindset Integration:
- Managing fear that surfaces with rapid wealth increase
- Staying aligned during acceleration (avoiding self-sabotage)
- Building nervous system capacity for higher income levels
- Maintaining groundedness while expanding quickly
- Integrating identity shifts that come with wealth growth
Reality Check: ❌ Not Passive: Acceleration requires significant focused energy ❌ Requires Foundation: Need some income/assets to accelerate from ❌ Intensity: Rapid growth creates pressure and discomfort
This isn’t for beginners—it’s for people ready to scale who need both strategy and mindset support for rapid expansion.
Best For: People with established income ready to accelerate growth. Those comfortable with intensity.
View Exponential Wealth 2024 →
6. Manifest Money for Good by Reese Evans—Best Purpose-Aligned Wealth
Unique Angle: Creating wealth for positive impact Integration: Money as tool for good, not just personal gain Alignment: Financial success that serves your values
Reese Evans addresses what many wealth programs ignore: How do you build money in ways that align with your values?
Purpose-Driven Framework: ✅ Values Integration: Building wealth that honors what matters to you ✅ Impact Focus: Using money to create positive change ✅ Meaningful Success: Financial growth that feels purposeful ✅ Alignment: Avoiding guilt by connecting wealth to contribution
What This Covers:
- Clarifying your values and how money serves them
- Creating income streams aligned with purpose
- Working through money/values conflicts many people experience
- Using wealth as amplification of your impact
- Building financial success that feels meaningful, not empty
Manifestation Components:
- Practices for attracting wealth aligned with purpose
- Managing guilt some people feel around having money
- Creating from inspiration rather than desperation
- Maintaining integrity while building wealth
- Giving and receiving in balanced ways
Honest Assessment: ❌ Values-Specific: Only relevant if you care about purpose-aligned wealth ❌ Not Pure Strategy: Combines practical and consciousness approaches ❌ Requires Clarity: You need to know what matters to you
This is for people who want wealth but struggle with how it fits their values and desire to contribute.
Best For: Purpose-driven people wanting wealth that feels aligned. Those with money/values conflicts to resolve.
View Manifest Money for Good →
7. Million Dollar Investor Accelerator by Erika Kullberg—Best Investment Education
Focus: Building wealth through intelligent investing Timeline: Long-term wealth building, not trading for quick profits Instructor: Finance attorney with investment expertise
Erika Kullberg’s investor program teaches wealth building through smart, strategic investing—not get-rich-quick trading.
Investment Education Framework: ✅ Fundamental Knowledge: Understanding investments deeply before deploying capital ✅ Asset Class Diversity: Stocks, bonds, real estate, alternatives ✅ Long-Term Approach: Wealth over years/decades, not months ✅ Legal/Financial Insights: Erika’s attorney background provides unique perspective
What You’re Learning:
- Investment fundamentals for people starting from zero
- Asset allocation based on goals and risk tolerance
- Portfolio construction and rebalancing
- Tax-efficient investing strategies
- Understanding fees and their impact on returns
- Avoiding common investor mistakes
Wealth Building Components:
- Creating investment plans aligned with life goals
- Automating investment contributions
- Understanding different investment vehicles (index funds, ETFs, individual stocks, REITs)
- Retirement account optimization
- Building passive income through investments
Reality Check: ❌ Not Trading: If you want day trading, this isn’t it ❌ Slower Timeline: Building wealth through investing takes years ❌ Requires Capital: Need money to invest (though you can start small) ❌ Patience Required: Results aren’t dramatic or immediate
This is real wealth building—the kind that compounds over time and creates financial security.
Best For: People wanting to build long-term wealth intelligently. Those new to investing who want solid fundamentals.
View Million Dollar Investor Accelerator →
How to Choose Your Money Education
Stop consuming endless content. Pick based on your actual situation.
What’s your current financial state?
- Finances disorganized → “3D Money”
- Organized but want advanced strategies → “Ultimate Options” or “Million Dollar Investor”
- Have skills but internal blocks → “Cash” or “Embodied Millionaire”
- Ready to accelerate growth → “Exponential Wealth 2024”
- Want purpose-aligned wealth → “Manifest Money for Good”
What type of education do you need?
- Advanced investing → “Ultimate Options” or “Million Dollar Investor”
- Foundation/organization → “3D Money”
- Mindset/consciousness → “Cash,” “Embodied Millionaire,” or “Manifest Money for Good”
- Acceleration/scaling → “Exponential Wealth 2024”
What’s your learning preference?
- Tactical/strategic → “Ultimate Options,” “3D Money,” “Million Dollar Investor”
- Mindset/energy → “Cash,” “Embodied Millionaire,” “Manifest Money for Good”
- Combination → “Exponential Wealth 2024”
Budget reality: Don’t go into debt for wealth education. That’s counterproductive. Start where you can afford, see results, then invest more.
The Complete Wealth Building Path
Here’s the truth: Most people need multiple approaches.
Stage 1: Foundation Start with “3D Money” to organize your financial life. You can’t build wealth on chaos.
Stage 2: Mindset Address internal blocks with “Cash” or “Embodied Millionaire” while building foundation. Many people skip this and wonder why they can’t break income ceilings.
Stage 3: Strategy Once foundation is solid and mindset is shifting, learn advanced strategies like “Ultimate Options” or “Million Dollar Investor.”
Stage 4: Acceleration When you’ve got income flowing and mindset supporting growth, “Exponential Wealth 2024” helps you scale.
Throughout: Alignment If values matter to you, “Manifest Money for Good” ensures wealth building feels aligned.
Don’t skip stages. Trying advanced options trading with disorganized finances and scarcity mindset is a recipe for loss, not wealth.
What Actually Creates Wealth
It’s not one course. It’s not one strategy. It’s not mindset alone or tactics alone.
Real wealth comes from:
- Organized finances (foundation)
- Supportive mindset (removing internal obstacles)
- Strategic action (advanced tactics and investing)
- Alignment (building wealth in ways that feel good)
Pick your starting point based on where you actually are:
- Chaos? Start with organization.
- Organized but stuck? Work on mindset.
- Mindset shifting? Add strategy.
- Strategy working? Accelerate growth.
Most importantly: Stop collecting courses and start implementing. One program fully applied beats ten programs partially consumed.
Pick what you need now. Use it completely. Then move to the next level.
That’s how you actually build wealth instead of just learning about it.