minna schmidt and dr sophie hosting the financial clarity for your next step course
Self-Study Course · Start Anytime

Women's Financial Health Check

The 4-week course where you finally get clear, calm and in control of your money

After completing this course, you will have a clear, honest picture of exactly where you stand financially — and for the first time, you will feel calm, confident, and ready to take your next step.

Self-study · Start anytime · Lifetime access

Best available offer

What women say after four weeks

Quote Marks Gold
I finally feel in control of my money.
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A start after years of avoidance.
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Way better than I expected.
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It forced me to stop avoiding my finances.

Does this sound like you?

You are intelligent, capable, and responsible. And yet…

  • You avoid looking at your finances — it makes you anxious
  • You know you should invest but have never taken the first step
  • You have savings sitting in accounts doing very little
  • You tell yourself “I’ll deal with it properly when I have more time” — but you never do
  • You feel like you should be further along than you are
  • Your partner, an advisor, or inertia handles the “financial side of things”
  • You carry a quiet background stress about money — especially the future
  • You feel embarrassed that you don’t have a clearer picture — given how capable you are

You are not alone. And you are not bad with money.

You have just never had a safe, structured place to finally look.

What changes in four weeks

Where you are now…

  • Avoidance and quiet anxiety
  • Confusion about your financial picture
  • “I should be doing more with my money”
  • Delegated financial agency
  • No clear next step
  • Shame around not knowing
woman unsure about her financial picture
woman confident about her finances

Where you will be

  • Calm clarity and genuine ownership
  • A complete picture of your finances
  • Awareness of exactly where you stand
  • Your own financial agency, reclaimed
  • Up to three committed next steps
  • Permission to start — right where you are

Imagine this…

You know your net worth — and you looked at it without fear

You understand where your money goes and why

You have calculated your Financial Freedom Number

You understand the emotions that have been driving your financial behaviour

You know your strengths — and the one or two areas to work on first

You have made three concrete financial commitments to yourself — and you mean them

This is not a distant dream. This is what four weeks looks like — in your own life, at your own pace.
Quote Marks Gold

What I liked most is that it’s not just about numbers or financial strategies — it’s really about your relationship with money. It helped me understand both the practical side of my finances and the emotional side, which I hadn’t really looked at before.

Before the course I was actually in a good financial position — but I wasn’t truly engaged with my money. I often avoided looking at my accounts. Going through the exercises helped me face my situation clearly. What I discovered was that my situation is actually good — and that realisation alone reduced a lot of anxiety.

Paulina Szabat
Executive Assistant, Alvarez & Marsal, Hamburg

Your four weeks, step by step

Each week builds on the last — combining a practical financial tool with a mindset shift, so you leave with both clarity and confidence.
looking into the mirror
Week 1: Face the Mirror

See What’s Really There

You build your personal balance sheet, calculate your net worth, and look at your financial picture — perhaps for the first time — without fear or judgement. 

You also use the CTFAR coaching model to understand the emotions and beliefs behind your money story. You leave Week 1 knowing exactly where you stand.

woman looking at her finances
Week 2: Understand the Flow

Track What Moves

You map your money flows — what comes in, what goes out, and what beliefs quietly shape both. You calculate your Financial Freedom Number and your Investment Rate.

You examine whether your spending reflects your values — and whether you may be under-earning relative to your capacity.

woman being positive about her future
Week 3: Measure Your Wellbeing

From Numbers to Flourishing

Financial health is not only about the numbers — it is also about how you experience your financial life.

This week, inspired by positive psychology, you complete the Financial Flourishing Scale across eight dimensions and begin imagining what your financially flourishing future could look like.

woman making a commitment
Week 4: Turn Insight into Action

From Awareness to Commitment

You move from reflection to commitment. You work through the Financial Health Foundations Checklist, understand the real cost of inaction, and create up to three meaningful financial commitments for the months ahead — concrete, chosen, and yours.

What participants say

Quote Marks Gold

I finally feel in control of my money. I understand the path I’m on, what I need to change, and how to keep my emotions from driving my financial decisions. I’m ready to act with more intent and inspiration.

Zanda Krukle
Senior Sustainability Advisor, Nordic Investment Bank

Quote Marks Gold

The course helped me get a better idea of where I stand — with the excel sheets and the shift in mindset. More clarity, other ways to look at this topic. A start after years of avoidance.

Dorothea Kröhnert
Hamburg, Germany

Quote Marks Gold

I really enjoyed the step-by-step approach which went in a smooth and easy manner from gaining awareness of the state of my own finances — without guilt — to gradually being able to take action and always with a positive lens. I can only recommend the course!

Sandrina da Cruz Araujo
Senior Officer, European Investment Fund, Luxembourg

Quote Marks Gold

This course went beyond my expectations. A real trigger for reflection and a change in how I view and handle my finances. It forced me to stop avoiding — and I realised I can do more than I thought I could, even with small steps.

Olivia Roca
Principal Compliance Officer, Nordic Investment Bank

Quote Marks Gold

I loved the course because in a simple yet powerful way I was confronted with my current financial situation — but also stimulated to gain awareness of my behaviour with money. I really recommend it to anyone interested in gaining clarity and starting their journey to financial freedom.

Veronica Naranjo
Course participant

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My anxiety towards financial decisions is lower. I realised that I have been doing well so far — even though it felt like I had absolutely no idea what I was doing. Money is the one thing you cannot delegate if you want to live an independent life.

Kerstin Press
Course participant, Switzerland

Quote Marks Gold

It is not a traditional financial literacy class. It helps you understand where you currently stand, why you ended up there, and what keeps you stuck. It gives you the support and tools to start moving — by working on yourself and learning to respect your own needs.

Sabine Parisse
Deputy Head of Press Office, European Investment Bank

Quote Marks Gold

I came out of the course with significantly more clarity about my numbers and my thoughts and emotions — an excellent stepping stone towards taking further steps in taking ownership of my finances.

Dorothea Kröhnert
Hamburg, Germany

Quote Marks Gold

I got clarity, confidence and the feeling that I can do this — and that there is nothing to be afraid of with finances. So grateful, and excited to keep learning bit by bit.

Annina Loimu
Course participant, Finland

Why this course is different

Most personal finance courses give you either the numbers or the mindset work.
This course gives you both — by design.

Financial expertise + positive psychology — in the same course

Minna brings professional financial planning. Sophie brings positive psychology coaching & perspective. The two are woven together in every lesson — so you don’t just see your numbers, you understand your emotional relationship with them. This is what makes the transformation stick.

Built for accomplished women who already "should" know this

This is not a beginner’s money course for women starting from zero. It is for the capable, educated, senior professional who has somehow never applied that capability to her own financial picture. The shame and avoidance that comes from that gap is addressed directly — and without judgment.

Tools you will keep using long after the course ends

The balance sheet, the financial flows tracker, the net worth tool — these are not one-time exercises. They are a system you can update monthly, quarterly, and annually. Multiple participants named them as the lasting value, years after completing the course.

Safe, structured, and completely non-judgmental

The course is designed from the ground up to make looking feel safe. There is no competition, no comparison, no financial jargon designed to make you feel small. Just a clear, compassionate path — at your pace.
Quote Marks Gold
I lost the fear of the financial stuff and now I am confident. I am confident to go one step after another.

Lee Lei
Course participant

What you will have by the end

Tangible, lasting outputs — not just insights.
Your personal balance sheet — built and understood
A complete picture of your money flows — in and out
Clarity on the emotional patterns that have been driving your financial decisions
Up to three meaningful financial commitments you have made to yourself
Your Financial Freedom Number calculated
Your Financial Flourishing Score across eight dimensions
A Financial Health Foundations Checklist — so you know exactly where to focus
A system and set of tools you can return to monthly and annually

And something less visible — but just as important:
You trust yourself more with money.

About your instructors

Flourish Financially was created by Dr Sophie Jablonski and Minna Schmidt — because they had seen too many capable, accomplished women carrying quiet financial anxiety that nobody was addressing properly.
minna schmidt financial coach

Minna Schmidt

Financial Coach & Certified Financial Advisor IAF

Minna is a former consultant in the financial industry and asset management, with experience at organisations including McKinsey & Company and BlackRock.
She specialises in helping women build clarity and confidence with their personal finances — without complexity or overwhelm. She brings the numbers to life.

sophie jablonski positive psychology coach

Dr Sophie Jablonski

Positive Psychology Coach & Financial Mindset Specialist

Sophie holds a PhD and over 20 years of international experience in science and coaching. She specialises in financial mindset, emotional intelligence, and behaviour change — helping women understand not just what their money is doing, but why. She makes the emotional work feel safe and lead to lasting growth.

Enrol in the course

Self-study. Start anytime. Work at your own pace.
Women’s Financial Health Check — Self-Study

€149

One-time payment · Lifetime access

Best available offer

What’s included:

All four weeks of video lessons (20 short modules)
Full written transcripts for every video
Personal Balance Sheet Excel tool
Financial Flows Excel tracker
Financial Flourishing Scale assessment
Financial Health Foundations Checklist
Financial Commitments workbook
Lifetime access — revisit at any time

Best available offer

Self-study · Start anytime · Work entirely at your own pace

Is this course right for you?

This course is for you if:

You have been avoiding your finances and know it is time to look

You have money but no real clarity on what it's doing or where it's going

You feel behind — despite being capable in every other area of your life

You have delegated your finances and want to reclaim that agency

You want a safe, structured, non-judgmental place to finally start

You know you should invest but have never known how to begin

You want practical tools you will actually keep using

This course is not for you if:

You are looking for personalised investment or tax advice

You already have a clear, complete picture of your financial life and are looking for advanced wealth management strategies

You are in acute financial crisis and need immediate professional financial support

A few important things to know:

This course provides financial education and structured self-reflection — not financial advice, tax advice or legal advice. Every participant makes their own independent decisions about their money.

You already know this matters

The question is not if you will do this.
It is when.

And you are right on time.

Best available offer