The Conscious Currency®

Tools and practices

For the human side of money

Your adviser will help with the numbers. These tools focus on what goes on behind them, and help you develop a deeper understanding of your financial world.

Start with the Money Characters quiz →Or browse the tools

Your answers stay on your device. Nothing is sent to us or to your adviser.

Calming the body

For the moments when money brings stress.

The Pause

A guided breathing practice for the moment a money decision or a wave of money stress arrives. Two modes, a pre-purchase pause and a stress reset, will help you settle before you act.

Open the practice →

Financial Body Scan

An eight-minute meditation to find and ease money tension in the body.

Begin the scan →

Everyday money

Learning to see your money life through a new lens starts here.

Start here

Money Characters quiz

Fourteen questions that help you find which of the eight Money Characters show up most in your money story. Bring your result to your next review.

Take the quiz →Meet the eight characters →

Three-Colour Spending

Sort your spending patterns into yellow for necessities, green for chosen and pink for unconscious. Analysing the results can help you focus your spending patterns.

Begin the audit →

Budget Lens

Once you've found your Money Character, see your budget through a new lens, with three practices to help develop balance.

Open the lens →

Decision making

For when you are facing a big money decision.

The Priority Compass

A five-minute reflection when a financial dilemma arrives. One to share with your adviser.

Use the compass →

Big Money Moments

A seven-minute reflection for anyone nearing a big money moment, such as retirement or a career change. Keep the results to yourself, or share them with your adviser.

Begin the reflection →

Go further

For when you want to go deeper.

Money Memoirs

A library of honest money stories, launching with the book. You can send yours in now.

Coming soon →

The book

Money, Meaning & The Art of Enough. The book behind The Conscious Currency, with a companion workbook.

Coming soon

Online courses

Self-paced courses that follow the three phases: Seeing, Loosening and Choosing.

Coming soon

The philosophy behind it

The Conscious Currency® is a methodology for understanding why you do what you do with money, and building a life it serves. It was developed by Sam Tate, founder of Ripple Out. Wela, the idea that a truly wealthy life takes more than money, is at the heart of everything we do.

Explore The Conscious Currency →Explore Ripple Out →

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

Questions about any of these tools? Talk them through with your adviser.