Financial stress
won't change until we change the approach
Dave empowers your Credit Union workforce to break free from their money worries so they can serve with authentic confidence. He believes an emotional problem can't be solved with a practical solution but rather an emotional one.
Financial stress won't change until we change the approach
Dave empowers your Credit Union workforce to break free from their money worries so they can serve with authentic confidence. He believes an emotional problem can't be solved with a practical solution but rather an emotional one.
We've been solving the wrong problem all along
We've been solving the wrong problem all along
Too much focus has been placed on increasing financial literacy and education, hoping that would lower financial stress. Despite having the greatest access to personal financial education in history, financial stress has increased by 40%1 over the last 3 years.While the practical and numbers aspects of personal finance are important, the underlying driver behind every financial decision is not practical but rather emotional and behavioral which is deeply rooted in our early years. The conversation must start there.
Too much focus has been placed on increasing financial literacy and education, hoping that would lower financial stress. Despite having the greatest access to personal financial education in history, employee financial stress has increased by 40%1.While the practical and numbers aspects of personal finance are important, the underlying driver behind every financial decision is not practical but rather emotional and behavioral which is deeply rooted in our early years. The conversation must start there.
Financial stress is costly
Financial stress is costly
1 - BrightPlan Wellness Barometer Survey from 2021 to 2024
2 - 2024 SoFi "The Future of Workplace Financial Well-Being"
3 - SHRM June 7, 2024 article titled "Employees' Financial Stress Is Costing Employers Billions"
1 - BrightPlan Wellness Barometer Survey from 2021 to 2024
2 - 2024 SoFi "The Future of Workplace Financial Well-Being"
3 - SHRM June 7, 2024 article titled "Employees' Financial Stress Is Costing Employers Billions"
DAVE HAS BEEN FEATURED ON
What people are saying about Step Zero™
What people are saying about Step Zero™
Watch Dave's TEDx Talk
Watch Dave's TEDx Talk
Here's how Dave can help your organization:
Step Zero™ Workshop Series
The name of our workshop series says it all. Step Zero. The Foundation. The Step Before the Rest.This 5-part workshop series focuses on our relationship with money and how it impacts how we show up at work. Understanding and improving this relationship is crucial so that our personal challenges from home do not become subconscious blocks or obstacles in our work lives. The goal of these workshops is to help participants gain clarity and awareness regarding their relationship with money. We aim to explore why they think, feel, and behave the way they do with money, putting them on a course to take conscious and intentional steps toward developing a healthy understanding of the emotions behind their actions and how they present themselves when it matters most.Each workshop includes a Q&A session and will last 1.5-2 hours each. The workshops can be delivered both in-person and live online and can also be customized to meet the specific needs of your people.
Step Zero™
Workshop Series
The name of our workshop series says it all. Step Zero. The Foundation. The Step Before the Rest.This 5-part workshop series focuses on our relationship with money and how it impacts how we show up at work. Understanding and improving this relationship is crucial so that our personal challenges from home do not become subconscious blocks or obstacles in our work lives. The goal of these workshops is to help participants gain clarity and awareness regarding their relationship with money. We aim to explore why they think, feel, and behave the way they do with money, putting them on a course to take conscious and intentional steps toward developing a healthy understanding of the emotions behind their actions and how they present themselves when it matters most.Each workshop includes a Q&A session and will last between 60 and 90 minutes. The workshops can be delivered both in-person and live online and can also be customized to meet the specific needs of your people.
What people are saying about Step Zero™
What people are saying about Step Zero™
Private 1:1 Money Coaching with Dave Won
Private 1:1 Coaching available by invitation and referral only.
Have you ever secretly thought these to yourself?→ I'm having a hard time enjoying the wealth I have.
→ Even though I'm making more, it's still never enough.
→ I still feel like I don't belong despite having a lot money.
→ I'm making a ton of money, but it all seems to disappear.
→ I'm constantly under pressure to keep up with the Joneses.
→ I'm afraid of what others will think of me if they knew my real situation.
→ I wasn't aware that I'm trying to impress people and look good at all costs.Since 2016, Dave has helped hundreds of private 1:1 clients feel liberated from their deep money issues.Issues such as money anxiety, fear, doubt, uncertainty, significance, self worth, scarcity, impulsivity, feeling of "never enough", overspending to impress others, difficulty setting boundaries, emotional spending and saving, money hoarding and perfectionism around money ... just to name a few.By addressing the subconscious beliefs and thought patterns that cause you to trip over yourself constantly, Dave helps you break the negative cycle around money and on a path towards living a life filled with contentment, purpose and intentionality. This will enable you to make healthier and more conscious financial decisions, allowing you to show up with greater confidence and energy in both your personal and professional lives.Dave's past clients include corporate executives, medical doctors, Air Force fighter pilots, Navy SEALS, 7-figure entrepreneurs and professional athletes.
Private 1:1 programs start at $25k.
Private 1:1 Money Coaching with Dave Won
Private 1:1 Coaching available by invitation and referral only.
Have you ever secretly thought these to yourself?→ I'm having a hard time enjoying the wealth I have.
→ Even though I'm making more, it's still never enough.
→ I still feel like I don't belong despite having a lot money.
→ I'm making a ton of money, but it all seems to disappear.
→ I'm constantly under pressure to keep up with the Joneses.
→ I'm afraid of what others will think of me if they knew my real situation.
→ I wasn't aware that I'm trying to impress people and look good at all costs.Since 2016, Dave has helped hundreds of private 1:1 clients feel liberated from their deep money issues.Issues such as money anxiety, fear, doubt, uncertainty, significance, self worth, scarcity, impulsivity, feeling of "never enough", overspending to impress others, difficulty setting boundaries, emotional spending and saving, money hoarding and perfectionism around money ... just to name a few.By addressing the subconscious beliefs and thought patterns that cause you to trip over yourself constantly, Dave helps you break the negative cycle around money and on a path towards living a life filled with contentment, purpose and intentionality. This will enable you to make healthier and more conscious financial decisions, allowing you to show up with greater confidence and energy in both your personal and professional lives.Dave's past clients include corporate executives, medical doctors, Air Force fighter pilots, Navy SEALS, 7-figure entrepreneurs and professional athletes.
Private 1:1 Coaching programs start at $25k.
Keynote Speaking
Keynote Speaking
Keynote for High Performing Teams, Executives and Entrepreneurs
Step Zero™: Get Outta Your Own Way
Success in your role as a high performer isn't just about strategy — it's about the invisible forces driving our decisions. As high-performing professionals, our relationship with money shapes every choice we make, often in ways we don't recognize. What if the biggest barrier to your accomplishments isn't external, but internal?Drawing from his grandmother's extraordinary journey escaping North Korea, Dave reveals how our deepest beliefs about money and success can either fuel or limit our potential. Through powerful storytelling and actionable insights, he shows leaders how to identify and transform the subconscious patterns that may be holding them back from their next level of achievement.YOUR AUDIENCE WILL BE ABLE TO:→ Gain powerful self-awareness tools to make more confident decisions, especially when stakes are high
→ Master practical techniques to overcome limiting money beliefs that may be holding back your leadership potential
→ Learn science-backed strategies to harness your brain's natural decision-making process for better outcomes
Keynote for All Audiences
You're Not Bad with Money
The invisible burden of financial stress affects 91% of hardworking Americans—regardless of income level. Behind closed doors, countless people think "I'm terrible with money," carrying a weight of guilt and shame that impacts everything from job performance to personal well-being.Dave removes this silence by sharing his own journey through financial stress, revealing a powerful truth: Your relationship with money isn't just about numbers—it's deeply emotional, rooted in your earliest experiences.YOUR AUDIENCE WILL BE ABLE TO:→ Make the surprising connection between childhood experiences and adult money patterns
→ Explore the three areas of the brain and how to use it to their advantage, not disadvantage
→ Understand that their money patterns and behaviors are driven by emotion, not logic
→ Distinguish the difference between their true needs and wants
Behavioral Money Coaching for
Certified Financial Planners, CFP®
Behavioral Money Coaching for Certified Financial Planners, CFP®
What stops your clients from living their best lives is the clients, not the money.
Behavioral Money Coaching will change that.
What stops your clients from living their best lives is the clients, not the money.Behavioral Money Coaching will change that.
Behavioral Money Coaching is the bridge between two worlds: the financial services industry and the field of money psychology. This training provides an in depth understanding of Behavioral Money Coaching including the benefits and advantages it provides to advisors, planners, and their clients.People often fail to fulfill their financial plans and/or sabotage their investment strategies due to secondary issues and emotions that impair their ability to sustain their desired outcomes. And in general, we can’t expect to solve what is essentially an emotional or behavioral problem with a practical solution. We can, however, begin to solve these practical problems by understanding and providing behavioral solutions.The Behavioral Money Coaching model developed by the Money Coaching Institute of California is an innovative approach that assists the client (and their advisors and/or planners) in identifying, changing and managing their personal, emotional and financial behaviors and triggers.This model effectively allows the adviser/planner and the client to work together to form a deeper understanding of the patterns and behaviors that often derail the client’s ability to achieve their financial goals.With the guidance and support of a good advisor/planner, the client is far more likely to move beyond limiting patterns and beliefs, and better fulfill their financial potential.The Certificate is based on the full Certified Money Coach (CMC)® training program and has been specifically designed to incorporate the needs of financial professionals.It is suitable for anyone who handles client finances and covers the following key learnings:→ The Mind and Money: neuroeconomics and the origins of money patterns and beliefs
→ Understanding inherited Family Patterns
→ Understanding and working with different client money types
→ Understanding the biology that drives money emotions and money decisions
→ Powerful money coaching questions & frameworks for inquiry
→ Identifying underlying money patterns and behaviors
→ How to have open money conversations
→ Determining a client’s “Core” money issues
→ Developing a plan & strategy for change
→ Understanding your own biases and money driversMore specifically, participants will learn:→ Why clients have money blocks and where they come from
→ Why some of them can’t reduce their spending and others can’t spend any money at all
→ Why clients don’t follow your advice or stick to plans
→ How to support clients during financial transitions and life events
→ Why even talking about money can be difficult for some clients
Meet Dave Won
Dave Won is a TEDx Speaker, Certified Money Coach (CMC)®, and the Founder & CEO of Budget Captain®. Dave has been recognized as a global Top 30 subject matter expert by The Outlier Project.From conferences and summits to the corporate workplace, Dave has been empowering people to leave their money worries behind so they can bring their best to work. His approach is unique in that he believes the root cause of financial stress is emotional and behavioral, which cannot be solved with practical solutions.He is a former Air Force Captain with a decorated military career that includes work supporting the Air Force One along with an overseas tour. He has been featured by TEDx, ABC, EBN, SWAY Live, Military Media and the Air Force.Education:United States Air Force Academy, BS, 2010
Indiana University, MBA, 2013
Harvard University, Behavioral Finance certification program, 2024
Certified Money Coach (CMC)®
