1:1 Money Coaching Session

A clearer plan
for your money.

You've already started. Today we cut through the noise, fill the gaps, and build something that actually runs on its own.

60 minutes
Today's session

Here's the plan
for the next hour.

You're not starting from zero — you've done some of this. Today we close the gaps and make it intentional.

1
Your Money Story
0 – 12 min · What you've tried and what got in the way
2
The Audit
12 – 24 min · Where things stand right now
3
Priority Order
24 – 34 min · What to do first, second, and third
4
Cut the Noise
34 – 46 min · One ETF. One platform. Done.
5
Build the System
46 – 55 min · Automate so it never depends on willpower
6
Action Plan
55 – 60 min · Exactly what happens this week
Phase 01 — Money Story
Let's start here

You've invested before — and stopped. Let's understand why.

📈
What did you actually invest in? Where? For how long?
Listen for: what platform, which assets (ETF, crypto, stocks?), how consistent they were, and what the experience felt like.
🛑
What made you stop — or lose consistency? Was there a moment?
Listen for: market dip + panic, overwhelm by choice, life got busy, lost confidence in what they picked.
🌍
When you say "invest in Europe and in general" — what does that actually mean to you?
Some clients mean "should I pick European stocks?" Others mean "how does investing work in the NL?" Clarify early.
🎯
What does "a clearer, more intentional plan" look like to you when it's working?
Anchor the session to their definition of success. You want to know if they want automation, regular check-ins, a set amount — or just conviction in what they're doing.
Phase 02 — The Audit
Where things stand

Let's look at the full picture.

💰
Monthly surplus
Over €1,000 after expenses. Strong position. How much is currently going nowhere — just sitting in a current account?
✅ Strong surplus
🛡️
Emergency fund
Has some savings, but not a full 3–6 months. How many months does he have? What's the gap?
⚠️ Partial — needs topping up
💸
Debt
No high-interest debt. Clear. This simplifies the priority order significantly.
✅ Debt-free
📊
Existing investments
Has invested before but stopped. What's still there? What platform? What's it doing now?
⚠️ Ask what's still active
🏦
Current banking setup
One account or multiple? Is there a savings pot? Does anything happen automatically on payday?
⚠️ Likely no automation
🧠
What did he invest in?
ETFs? Individual stocks? Crypto? This shapes the conversation — especially if he's been comparing individual picks and feeling overwhelmed.
→ Shapes the whole session
Phase 03 — Priority Order
Do things in the right sequence

Here's what to do first, second, and third.

1
Clear high-interest debt
No debt at all — this step is already done.
✅ Done
2
Complete the emergency fund (3–6 months of expenses)
You have some savings but not a full cushion. This comes before aggressive investing. Figure out the gap today and set a monthly target to close it.
⭐ Do now
3
Invest consistently into a diversified ETF
Once the emergency fund is topped up — or in parallel with a smaller invest amount — build the automated monthly investment habit.
Next
Phase 04 — Cut the Noise
The overwhelm is real — here's why

Too many options is the enemy of starting.

❌
Individual stocks
❌
Sector ETFs
❌
Dividend funds
❌
Crypto
❌
Country ETFs
❌
Thematic funds
❌
REITs
❌
Bonds (for now)
For now, all you need:
VWCE
One ETF. ~3,700 companies. 50+ countries.
0.22% annual fee. Accumulating (dividends auto-reinvested).
You don't need to understand every company in it to benefit from it.
Phase 04 — The ETF
Why VWCE

Everything you need to know about VWCE.

🌍 What it holds
~3,700 companies across 50+ countries — US, Europe, Japan, emerging markets. When you buy VWCE, you own a tiny slice of the global economy. If one company or country struggles, the others carry on.
🔄 Accumulating — what that means
VWCE is accumulating: any dividends paid by the companies inside it are automatically reinvested. You don't see cash hitting your account — it just compounds silently. No action needed.
📦 UCITS — NL registered
VWCE is a UCITS ETF — the EU standard for retail investor protection. It's the correct version for European/NL investors. This is NOT the US-listed VT — same idea, different regulatory wrapper.
💡 Why not individual stocks?
Individual stocks require constant monitoring, research, and nerve. VWCE removes all of that. You're not trying to beat the market — you're owning it. Most active fund managers can't beat it either.
~3,700
Companies
0.22%
Annual fee (TER)
50+
Countries
Acc.
Dividends reinvested
Phase 04 — Platforms
Where to invest in NL

Three solid options — two recommendations.

🟢
Trade Republic
Free brokerage. Free ETF savings plan (auto-invest on any date). 4% on uninvested cash. VWCE available. Cleanest UI for beginners. Great if he wants full automation with minimal friction. German bank licence, regulated.
⭐ Recommended
🟢
Trading 212
Free brokerage, start from €1, auto-invest (Pie) feature makes recurring VWCE buys completely hands-off. Clean and beginner-friendly app. No commission on ETF trades. VWCE available.
⭐ Recommended
🔵
Scalable Capital
Free plan available. PRIME+ (€4.99/mo) gives unlimited free trades and savings plans. Good middle ground. Worth considering if he trades more than once a month or wants flexibility.
Both Trade Republic and Trading 212 are free with auto-invest built in. Pick whichever app feels better to use — either works perfectly for a VWCE savings plan. Don't let platform choice become another reason to delay.
Phase 05 — The System
Automate everything

Build it once. Let it run.

PAYDAY
💰
Salary lands
Day 1 — the trigger for everything
DAY 2
🛡️
Auto-transfer: emergency fund top-up
Until it reaches 3–6 months — then redirect to investing
€___/mo
DAY 2
📈
Auto-invest: VWCE savings plan
Trade Republic or Trading 212 — same day, every month
€___/mo
REST
✅
Spend what's left — guilt-free
Future is funded. Present is yours.
⏱️ Check-in cadence: quarterly, not monthly. Don't watch it weekly — you'll panic at every dip and undo the whole thing.
Phase 06 — Action Plan
This week — not "soon"

Three actions. Specific deadlines.

1
Calculate the emergency fund gap + set a monthly target
2
Open / activate a brokerage + set up VWCE savings plan
3
Set up payday automation (standing orders)
4
Check-in date
You don't have a knowledge problem. You have a clarity problem. Now you have clarity — and a system that doesn't need willpower. 💜