# Money-Wise July 3, 2026 Meeting Update Backlog

Source: Google Doc "The New Money Wise 2nd Review", shared after permissions were updated.

Recording status: the document links to a Google Drive recording, but direct download returned a Google sign-in page rather than the media file. This backlog is based on the exported notes and full transcript included in the document.

## Executive Direction

- Launch target discussed: August 7 or August 10, 2026.
- Short-term content target discussed: July 9, 2026 for the next visible update set.
- Any incomplete public sections should show "Coming soon" rather than empty or placeholder content.
- Website should move users from a clear pain point to an immediate next action.
- Corporate and coaching flows should prioritize qualified leads, clean intake data, payment where required, and automated follow-up.

## Global Navigation And Structure

- Replace "Not sure where to start?" with "Take the assessment".
- Rename "Family" / "You and your family" to "Individuals".
- Standardize top-level navigation around:
  - Start Here / assessment entry
  - Tools
  - Learn / courses
  - Resources / articles / books
  - About
  - Contact
  - Book consultation CTA
- Avoid hidden or hover-only critical actions; homepage CTAs should be direct and visible.
- Remove or de-emphasize generic "Media" and "Partnerships" sections from primary user journeys.
- Fix layout responsiveness for smaller laptop screens.

## Homepage / Main Journey

- Rework homepage into clear cards around user pain points and solutions.
- Cards should answer "what do I do now?" without forcing users to scroll to the bottom.
- Pain-point links should route directly to matching tools/pages:
  - "Decent salary, nothing to show for it" -> budget/cushion/growth path.
  - "Mobile loans have become a monthly routine" -> debt page/tool.
  - "Emergencies keep throwing you off" -> emergency fund / build cushion.
  - "Money feels too shameful to talk about" or "I know what to do, I just don't do it" -> money personality / money emotions content.
  - "I want to enjoy today while planning for the future" -> planning/investing guidance.
  - "I have money to invest, where do I start?" -> investing/Investable path.
- Add a list of brands previously worked with to the homepage once provided.
- Organize YouTube content into thematic playlists and embed/link those playlists rather than placeholders.
- Remove the five-part "auntie's journey" series from the current site structure unless the team later decides it fits.
- Consider "Love and Money" as one curated resource category.

## Individuals Page

- Reorganize into three actionable paths:
  - Financial Health Check
  - Debt Management
  - Money Personality
- Use an empathetic, shame-free intro. Approved direction:
  - "Income comes in, income disappears. Let's end that cycle."
  - "No lectures. No shame. Just a clear picture of where you stand and a simple path to financial freedom, real savings, and investing."
- Make the "debt-free plan" widget/card clickable.
- Replace cryptic labels such as "build your..." with clearer action language.
- Blend pain points and CTAs so users can immediately act from the section they identify with.
- Route Health Check results to targeted recommendations: debt, cushion/emergency fund, investing, personality, coaching, or pension/retirement support.

## Financial Health Check / Assessment

- Remove problematic, unclear, or non-essential questions.
- Randomize question order to avoid the current section-based flow feeling confusing.
- Split the "major life changes" question into separate positive and negative impact questions.
- Add a values clarification question.
- Collect user data at the correct point: users complete the assessment first, then provide details to view/save results.
- Use assessment results to drive the dashboard and recommendations.
- Keep assessment entry as a primary CTA across the site.

## Debt Page And Debt Tool

- Create a dedicated debt education page for individuals.
- The debt-free plan should link to this page, not just sit as a decorative/interactive widget.
- Debt page should include video and text resources explaining:
  - Difference between saving and investing.
  - Why investing while carrying unmanaged debt can be risky.
  - Good debt versus bad debt.
  - Purposeful debt versus lifestyle/consumer debt.
  - Snowball method: smallest debts first for quick wins and consistency.
  - Avalanche/high-interest method: highest interest first for lower total cost.
  - Consequences of debt: stress, denial, lingering obligations, addictive borrowing, and overconfidence in future income.
  - How to stay out of debt: do not borrow for lifestyle, understand cash flow, avoid risky borrowed investments.
  - Common borrowing mistakes:
    - Borrowing for clothes, holidays, weddings, or lifestyle.
    - Borrowing to invest in risky assets.
    - Diverting a loan from its original productive purpose.
    - Failing to consider available cash flow.
    - Lack of disclosure to a spouse or partner.
  - Practical repayment steps:
    - List debts.
    - Cut expenses or sell assets to free cash.
    - Increase income where possible.
    - Call banks/creditors to restructure or renegotiate.
    - Consider SACCO/bank tradeoffs where relevant.
    - Be consistent with repayments.
- Add a short explainer video before the calculator explaining Snowball versus Avalanche.
- Fix debt payoff calculator issues:
  - Interest rate inputs must affect payoff calculations.
  - Minimum payment inputs must work correctly.
  - Extra payment amount must change payoff timeline and totals.
  - UI must make Snowball and Avalanche strategy logic clear.
- After tool completion, primary CTA should be "Set a goal", not just "sign up".
- Add a save-to-dashboard prompt before the user exits or loses debt tool progress.
- Encourage free account creation to save debt plan/dashboard state.

## Money Personality / Emotional Money Content

- Add a money personality test link to the personal finance section.
- Content should address emotional and behavioral money issues:
  - Financial trauma.
  - Why people know what to do but do not do it.
  - Shame around money.
  - Unconscious habits and emotions that sabotage financial decisions.
- Link personality results to recommended next actions in the dashboard.

## Corporate Page And Corporate Intake

- Corporate hover imagery and messaging must change from the individual/family framing.
- Corporate message should focus on:
  - Staff financial wellness.
  - Financial wellness programs.
  - Training.
  - Staff programs.
  - Investor education only where relevant.
- Corporate CTA should be "Book a discovery call" or an equivalent direct booking action, not "take an assessment".
- Corporate path should use a CRM-integrated intake form and automated response.
- After form submission:
  - Send a thank-you/confirmation.
  - Send or display a calendar link based on availability.
  - Keep the process seamless for qualified corporate leads.
- Remove "Partnerships" and "Media" from the corporate form/navigation unless they are reintroduced deliberately.
- Corporate form fields:
  - Contact person name
  - Email
  - Phone
  - Organization
  - Event name
  - Website/social links if available
  - Audience/staff profile:
    - Entry-level staff
    - Mid-level / supervisors
    - Executive / senior staff
    - Soon-to-retire staff
    - Retrenchment/transition group
    - All staff
    - Other
  - Staff size or exact expected attendee count
  - Event format:
    - Keynote
    - Workshop
    - Panel
    - Training
    - Conference / retreat / offsite
    - Lunch and Learn / short team session
    - Other
  - Delivery mode:
    - Physical
    - Virtual
    - Hybrid
  - If physical, collect venue/location.
  - Session duration:
    - 1-2 hours
    - Half day
    - Full day
  - "What would you like us to address?" as structured options, not only free text.
  - Additional context / pain points.
- Corporate topic options should be prescriptive/checkable so the team can aggregate needs:
  - Debt
  - Saving
  - Budgeting
  - Investing
  - Retirement planning
  - Financial confidence
  - Money and relationships/family
  - Other
- Consider a pre-training questionnaire sent to staff after a corporate booking.
- Pre-training questionnaire should aggregate into a central report by organization.
- Report should help tailor the session before delivery.

## Speaking Versus Coaching

- Separate speaking engagements from one-on-one coaching.
- Speaking is for mass audiences and organizations.
- Coaching is one-on-one and should use a deeper intake/payment/onboarding process.
- Add or prepare speaker profiles so clients understand Money-Wise has multiple voices, not just Rina.
- Avoid implying clients can directly request directors' personal contact details; direct them through official channels.
- Add "Lunch and Learn" or a similarly approachable short-session offering:
  - 45 minutes to 1 hour.
  - Suitable for staff meetings, quick team sessions, churches, youth groups, or informal learning contexts.
- Keep conference/keynote speaking as a separate, more formal option.

## Coaching Funnel And Paid Discovery

- Coaching onboarding materials should not be public because they are proprietary.
- Gate materials behind lead capture and automated CRM/email delivery.
- Prospective coaching clients must complete an intake form before discovery.
- Discovery call should be paid before booking.
- Meeting notes mention a 30-45 minute consultation at approximately KES 20,000.
- Earlier notes mentioned KES 5,000 for a 45-minute virtual session; this pricing conflict must be resolved before implementation.
- Discovery fee should be credited toward the full coaching program if the client proceeds.
- Avoid sending full proposals/pricing too early; qualify leads first.
- Intake form should capture:
  - Previous coaching experience.
  - Primary pain points.
  - Existing debts.
  - Investment status.
  - Business versus personal finance needs.
  - Retirement planning needs.
  - Goals, fears, and success measures.
- Backend should support coach matching based on intake responses.
- Coach should manage calendar/discovery after the lead is qualified.
- Digitize complete coaching process:
  - Initial coaching brief.
  - Discovery/intake.
  - Assessment.
  - Planning.
  - Coaching agreement.
  - Review/post-session forms.
- Coaching agreement should define:
  - Responsibilities.
  - Goals.
  - Success measures.
  - Payment method and timing.
- Store coaching documents and sensitive intake data with appropriate roles/permissions.

## Diaspora Section

- Create a dedicated diaspora investment/challenge section.
- Consider renaming "Diaspora Challenge" to something more positive.
- Messaging should focus on:
  - Returning home.
  - Building a nest egg.
  - Passive income.
  - Investing confidently back home.
  - Learning safe investment options.
  - Managing family expectations without depleting capital.
  - Avoiding scams.
- Use video content to address:
  - Trust concerns.
  - Investment mechanisms.
  - Relatives/family management.
  - Verification of legitimate institutions and information sources.
- Mention credible verification routes, such as checking legitimate capital markets information through official authorities.
- Add a diaspora ROI calculator/tool.
- Consider cohort-based learning with live accountability/Q&A sessions to reduce course abandonment.
- Mention current diaspora coaching/package pricing only after team confirms how it should be displayed.

## Academy / Learn / Courses

- Keep course pricing stable for now while competitor pricing is reviewed.
- Competitor pricing discussed: roughly KES 49,000 to KES 65,000.
- Current course price was referenced as "218"; confirm whether this is USD/KES shorthand and fix any incorrect registration pricing display.
- Investable is investment-strategy focused, not a generic introductory finance course.
- Course structure should reflect modules/chapters/video order from the academy source material, not only currently public academy pages.
- There may be additional confidential Investable/main-course content not yet imported.
- Users who create an account or log in from a course/tool page should be returned to the page that triggered auth.
- Course progress tracking should remain visible and reliable.
- Consider monetizing specialized retirement planning content separately or using it to strengthen course offerings.
- Add diverse voices/guest experts where useful, especially for retirement, medical cover, annuities, drawdowns, values, and financial statement analysis.
- Edit testimonial and recorded course videos for clarity and professional production quality.

## Resources / YouTube / Content Library

- Organize educational resources by topic rather than using placeholders.
- Build thematic YouTube playlists and surface them on-site.
- Useful categories mentioned or implied:
  - Love and Money
  - Debt
  - Saving versus investing
  - Retirement
  - Diaspora investing
  - Money personality / behavior
- Remove content that does not fit the current product path.
- Contact Tony about commission structure for selling or integrating his book/tool.
- Prefer digital integration or commission-based sales over manual physical distribution.

## Feedback And Research

- Add an always-available feedback mechanism on the website:
  - Feedback link
  - QR code
  - Post-event survey
- Training feedback link should be distributed and responses collected.
- Coach feedback should be standardized so client insights from sessions can be analyzed.
- Use feedback to refine services, content, and coaching recommendations.
- Conduct user testing before the August 2026 launch window.

## Security, Privacy, And Permissions

- Coaching and intake forms may contain sensitive financial and personal trauma information.
- Store sensitive client/coaching data securely.
- Implement appropriate roles and permissions in admin.
- Avoid exposing proprietary coaching documents publicly.
- Avoid sharing directors' personal contact details; use official consultation/coaching channels.
- Future WhatsApp automation should preserve this privacy boundary.

## Future Enhancements

- WhatsApp automation for initial queries and onboarding.
- Dashboard recommendations linked to investment partner resources, such as money market fund links/fact sheets.
- Chama/governance tool improvements:
  - Current governance structures are insufficient.
  - Results should provide specific, actionable next steps.
  - Example recommendation: open or evaluate a money market fund based on score/profile.
- Long-term dashboard should track:
  - Course progress.
  - Assessment results.
  - Money personality results.
  - Debt goals.
  - Tool usage.
  - Recommended next steps.

## Implementation Priority Suggested From Meeting

1. Fix navigation labels and visible CTAs.
2. Update corporate page messaging, imagery, and intake form.
3. Build/correct the individual page pain-point-to-tool flow.
4. Make debt-free plan clickable and create the debt education page.
5. Repair debt payoff calculator logic and add Snowball/Avalanche explanation.
6. Add save-to-dashboard prompt for debt tool.
7. Update assessment questions and randomization.
8. Add money personality entry point.
9. Build diaspora page/tool direction.
10. Separate coaching and speaking flows.
11. Add paid coaching discovery intake/payment flow once pricing is confirmed.
12. Organize YouTube/resources and remove placeholders.
13. Add feedback link/QR and coaching feedback structure.
14. User-test platform before August 2026 launch.

## Open Decisions

- Resolve discovery consultation price conflict:
  - Earlier checklist: KES 5,000 for 45-minute session.
  - July 3 meeting: approximately KES 20,000 for 30-45 minutes.
- Confirm official name for "Diaspora Challenge" if a more positive name is preferred.
- Confirm whether "Lunch and Learn" is the final label or only an inspiration.
- Confirm which media/partnership pages should be removed versus hidden.
- Confirm exact corporate topic options.
- Confirm which speaker profiles can be published.
- Confirm access to complete academy/course source material.
- Confirm whether Tony's book/tool will be sold, recommended, or deferred.
- Confirm payment provider and checkout rules for paid discovery calls.