Stop only budgeting. Get a Lifestyle Strategy with

W.I.S.E. Financial Fitness: A Guided Action Plan to Achieve Financial Success and Time Freedom to Live Your Best Life

Go from “How am I going to do this?” to “I love having commas in the bank!” with a custom lifestyle strategy.

You also don’t have to get what feels like a degree in personal finance to do it. 

I used to teach a ton of information because I love to learn and I know it’s helpful. But that doesn’t have to be the case. You don’t have to study all the information, then figure out what steps to take. 

I can just tell you. Step one is this, step two is this, etc. So you can take action. 

That’s the best part it’s done for you. You get the steps to achieve your goal without needing to spend weeks to months studying personal finance or spending a lot of money to sit one-on-one . 

You also don’t have to get back on the computer if you’ve spent a long day on the computer for work. You can print out your plan and follow the steps.

W.I.S.E. stands for wealth is simple to elevate. Let’s keep it simple. 

Let’s get your wealth up. 

Have you tried budgeting and it’s just not working for you? Are you frustrated as you try to reach financial success? 

It may be time to stop relying so hard on the budget.

I used budgeting and other techniques to save over $10,000 while on a stipend of $23,000 after taxes. However, this isn’t the only way and it isn’t always the most effective way.

Let’s focus on the lifestyle you want to have. Let’s figure out how you can afford it.

If you’re into fashion, let’s figure out how you can afford some current fashion items. 

If you love books, then let’s figure out how you can afford to buy three, five, or how many you desire a month. 

If you love to travel then let’s determine how you can travel regularly. 

Money does not buy happiness, but financial stability and security sure bring peace of mind.

Having enough income to cover bills and maybe treat yourself is not enough. You deserve to be able to

  • go on a vacation and still remain prepared for an emergency
  • help aging parents
  • set your children up for future financial stability and generational wealth 
  • live your best life.

You deserve to achieve time and financial freedom.

Whether you are using a business to achieve this or using income from a job, you don’t have to struggle to do it alone or come up with a huge sum of money to get help.

That’s why I’ve created step-by-step personalized Lifestyle Strategies with W.I.S.E. Financial Fitness, to help you achieve time and financial freedom. 

W.I.S.E. Financial Fitness will help you master two essential skills for building wealth: making money AND managing money. They are separate skills and you need to cultivate both of them.

W.I.S.E. Financial Fitness will help you

  • consistently save more money
  • pay off debt and stay out of debt
  • use credit wisely
  • optimize your income 
  • increase your income
  • build wealth
  • protect wealth and create generational wealth
"Working with Dr. James was incredible. She was very knowledgeable, patient, and thorough. She helped me create a budget and strategies for my money. I was able to significantly decrease spending and save a lot more money. Dr. James helped me increase my credit score by over 100 points. We added tricks to decrease overspending and keep my financial goals top of mind. After working with Dr. James, I consistently stayed in budget, saved money and was able to purchase a home. I regularly recommend people work with her."
Theiline G.

When you join W.I.S.E. Financial Fitness, you’ll have …

The skills, resources and support to reach your financial goals and live life more on your terms.

Comprehensive Lifestyle Strategy – Financial Action Plan

Each W.I.S.E. Lifestyle Strategy is reviewed by a money scientist. Using your unique W.I.S.E. Score, we will design a personalized step-by-step financial action plan that can include:

  • an ideal budget breakdown
  • saving strategy
  • debt elimination strategy
  • income growth strategy
  • wealth building strategy
  • wealth protection strategy

Step-by-Step Curricula

The W.I.S.E. Wealth Up Protocol and W.I.S.E. Be Your Own Boss Protocol have courses to help you keep more of and grow your money. Some topics include:

  • Successful budgeting
  • Saving acceleration strategies
  • Debt elimination methods
  • Key insurance types and why
  • Retirement preparation
  • Buying a home/car
  • Funding higher education
  • Picking your business idea
  • Crafting your offers
  • Determining startup costs
  • Determining your fees
  • Pricing products and services
  • Creating sales funnels
  • Getting clients and customers
  • Optimizing sales funnels
  • Designing a financial system

Resources for Higher Income & Better Money Management:

WISE Financial Fitness has templates, tools, and resources that will help you quickly get in action and stay in action. These are tools to help you implement your financial action plan. 

    Are you ready to live your best life? Get your W.I.S.E. Financial Fitness Lifestyle Strategy and get on the path to financial and time freedom.

    Are you ready to live your best life? Get a custom W.I.S.E. Lifestyle Strategy.

    W.I.S.E. Financial Fitness Lifestyle Strategy

    Let’s get your wealth up. You will receive:

    1. A personalized financial action plan reviewed by a money scientist filled with strategies to achieve your financial goal
    2. Personal guidance via Monthly Q&A
    3. Access to financial and entrepreneurial courses for 3 months
    4. Resources and tools needed for your plan
    5. List of suggested experts you may need

    How Does It Work?

    1) Take the proprietary W.I.S.E. Financial Fitness assessment and receive a unique W.I.S.E. Score. This assessment uses a unique algorithm to assess your financial fitness based on financial status indicators, behavior and mindset.

    2) We customize a W.I.SE. Lifestyle Strategy for you based on your financial goals and what you need.

    3) Use the W.I.SE. Lifestyle Strategy, provided resources, and suggested experts to take action and achieve financial success.

    About the Founder, The Money Scientist

    “I am Dr. Maria James, The Money Scientist. My PhD is in Cellular and Molecular Medicine. I used the skills I honed in the laboratory and being a Director of Finance of a nonprofit to found Pocket of Money.

    I used my money management skills and saved over $10,000 while on a stipend of about $23,000 after taxes. I did this while still paying all cash to travel domestically and internationally.

    I was also able to use my savings to start my business. Financial success is really about the techniques not only about how much money you have. More money plus the right techniques means faster financial success.

    I am the creator of W.I.S.E. Financial Fitness. I have over 19 years of experience building and managing businesses and personal finance systems.

    I have helped clients decrease overspending and save thousands of dollars. I love sharing the knowledge that has worked for me and has worked for my clients with others so we can all move towards financial success.” – Dr. James

    Will W.I.S.E. Financial Fitness Work for You?

    This will work even if:

    • You don’t have much time. You receive the entire strategy and resources at the same time and can go at your pace. All courses are available immediately and can be accessed from anywhere. 
    • You have no idea how to save more money on your current income. No worries, we’ll include methods in your action plan.
    • You hate looking at the numbers. We get it. We’ll translate your numbers, and design a plan to achieve your financial goals.
    • You’ve tried to do better with your money and failed. We’ll help keep you accountable and guide you on the path to success.

    This is NOT for you if:

    • You’re looking for a get rich quick scheme. Achieving financial success doesn’t happen overnight. You will need to work the strategy.
    • You’re only looking for a lot of extremely frugal tips and techniques. Cutting costs is important. However, you should also focus on better money management AND increasing income. Your action plan won’t only focus on lowering expenses.

    Get a Custom W.I.S.E. Lifestyle Strategy

    W.I.S.E. Financial Fitness Lifestyle Strategy

    Let’s get your wealth up. You will receive:

    1. A personalized financial action plan reviewed by a money scientist filled with strategies to achieve your financial goal
    2. Personal guidance via Monthly Q&A
    3. Access to financial and entrepreneurial courses for 3 months
    4. Resources and tools needed for your plan
    5. List of suggested experts you may need

    Money-back Guarantee

    Review your W.I.S.E. Lifestyle Strategy. If you truly feel the strategies and resources aren’t helpful, then request a refund. If you request a refund within seven days after purchase, then then you’ll get a full refund. Customers will be required to supply their order information in order to receive a refund.

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