Corporate Wellbeing
The Conscious
Currency®
for your people
A money psychology programme that addresses the 80% of financial behaviour most wellbeing programmes miss: the emotional, psychological, and inherited patterns that drive how your staff relate to money.
Sam Tate · Founder of Ripple Out · Creator of The Conscious Currency®
THE PROBLEM
Financial stress doesn't stay at home
It walks through the door of every workplace, every morning. It shows up as distraction, as absence, as the colleague who can't concentrate because they're calculating whether they can afford the car repair. It shows up as the team member who leaves for a marginal pay increase because they've never examined what "enough" actually means to them.
Most financial wellbeing programmes respond with budgeting tips, pension workshops, and salary sacrifice schemes. These address the rational 20% of financial behaviour. The other 80%, the emotional patterns, the inherited beliefs, the unconscious habits, remains untouched.
The Conscious Currency® addresses the 80%.

This programme does not offer financial advice. It gives your people something more useful: an understanding of why they do what they do with money, and a practical framework for doing it differently.

80%of financial behaviour
is emotional, not rational
£1.56bnestimated annual cost of financial
stress to UK employers
6 in 10UK employees say financial
worries affect their work
THE PROGRAMME
Six modules. You choose what fits.
Every organisation is different. The programme is modular by design: select the modules that best fit your workforce and build the programme around your people. Each module is 20–25 minutes, professionally produced for pre-recorded or online delivery, with companion materials included.

The Money Characters

Eight characters describe how people unconsciously relate to money. Staff discover which one runs their financial life and receive practical tips for working with their character rather than being controlled by it.

Outcome: A shared language for something most people have never had words for, with practical takeaways for balancing their cast and improving financial behaviour.

Leaky Money

Modern spending is frictionless: one tap, no pause, no sensation of anything leaving. This module names the five unconscious spending responses and introduces the Three-Colour Spending System. Yellow: necessities. Green: spending you would choose again. Pink: spending that happened to you. Awareness, not austerity.

Outcome: Staff develop awareness and practical habits that immediately improve their relationship with spending.

Where Your Money Story Comes From

Everyone inherits a money story before they ever earn a pound. This module explores how family, culture, and early experiences shape financial behaviour, and introduces a simple exercise to see inherited patterns clearly.

Outcome: Staff understand where their financial behaviour actually comes from, and gain permission to choose differently.

When Money Hurts

For people carrying something heavier than bad habits. Financial trauma, shame, the inner critic. This module acknowledges the weight, introduces practical tools, and provides clear signposting to further support.

Outcome: Staff who have been avoiding their finances find a way back in. The shame reduces. The conversation becomes possible.

What Enough Looks Like

Money is one dimension of wealth, not the only one. Real Wealth across six dimensions: Financial, Physical, Mental, Social, Time, and Meaning. Staff discover where they are rich and where they are running on empty.

Outcome: Staff who feel wealthy across multiple dimensions are more present, more loyal, and less likely to leave for a marginal pay increase.

What You Leave Behind

Everyone leaves a legacy: patterns, conversations, values. This module explores what that means beyond money, the emotional, ethical, and cultural dimensions of what you pass on, and whether you are leaving them deliberately.

Outcome: Staff connect their financial choices to what actually matters to them. Purpose becomes tangible rather than abstract.
HOW IT WORKS
Simple to deploy. Designed to last.
1

Choose

A brief scoping conversation to understand your workforce and select the modules that will land best. We recommend based on your people, your challenges, and your goals.

2

Deploy

Professionally produced video modules delivered as MP4 files for your internal platform. Companion handouts for each module. Staff watch at their own pace, on any device, from any location.

3

Deepen

Optional live Q&A sessions, a management briefing for team leaders, and a personalised introduction that makes the programme feel built for your organisation.

INVESTMENT
Build the programme that fits
The Conscious Currency® Corporate Programme is priced per module, with a minimum of two. Most organisations choose four. Select the modules that suit your workforce, then add live sessions or management support as needed.
Module Pricing
£750 Per module · + VAT Each module includes a professionally produced 20–25 minute video, companion handout, and a standard introduction video. Minimum two modules.
£3,000 Four modules · + VAT The recommended programme for most organisations. Four modules selected from six, with the Manager's Guide included at no additional charge.
All programmes include a standard introduction video, a short film framing the programme and its purpose, recorded once and included with every deployment. A 12-month company-wide licence for unlimited internal use is included with all programmes.
Included with four or more modules

Manager's Guide: a practical briefing document for branch managers and team leaders, covering what the programme contains, what conversations it may open up, and how to respond supportively. Available separately at £1,000 + VAT for programmes of fewer than four modules.

Available add-ons
£1,500 + VAT

Live Q&A Session

A 60–90 minute live online session with Sam Tate. Staff ask questions, share reflections, and engage directly with the material. Accommodates up to 100 participants. Can be recorded for those unable to attend.

£500 + VAT

Personalised Introduction

A bespoke video introduction recorded specifically for your organisation, addressing your team by name and framing the programme as something designed for them. Replaces the standard introduction.

ABOUT
Sam Tate
Sam Tate spent 25 years in financial services, including co-founding and selling New World Financial Group, an award-winning financial planning firm. He is the creator of The Conscious Currency® and author of Money, Meaning & The Art of Enough. Sam is a professional coach and the founder of Ripple Out Ltd.
His work sits at the intersection of money and meaning. The Conscious Currency is currently being deployed within financial planning firms as a money coaching service and is now available as a corporate wellbeing programme.
  • 25 years in financial services, co-founded and exited an award-winning firm
  • Creator of The Conscious Currency®, a registered trademark and complete money psychology methodology
  • Author of Money, Meaning & The Art of Enough (Ripple Press, forthcoming 2026)
  • Qualified meditation coach with movement and breathwork integrated into delivery
  • Professional coach working with individuals and corporate clients across the UK
  • Speaker, including the Personal Finance Society, among others
  • Neuroinclusive: works in a way that respects how different minds process information
For organisations seeking deeper engagement, extended programmes and ongoing development options are available.
A 20-minute conversation is all it takes
I'll learn about your people, recommend the right modules, and explain exactly what the programme looks like for your organisation. No obligation, no pressure.
Get in touch
Sam Tate · Founder of Ripple Out · Creator of The Conscious Currency®
rippleout.co.uk