Let’s Talk About Money

The Game Plan is a practical, down-to-earth method for planning your life and money. It doesn’t ask you to do anything you don’t love. It does ask you to do things that you’re good at and are well within your capability.

The Game Plan Generator has four important components, which when completed will change your life in one month. The third part of four, is where we see the dramatic change in belief and confidence in my students. This is where we talk about the money. And, this part is called the Financial Freedom Forecaster.

At ‘The Game Plan’ (TGP) one-to-one coaching programme, this is one 90-minute session, 120-minutes for couples. At Your Money or Your Life Bootcamp it’s a full day. But, always the transformation in the student is amazing; you will witness stress and anxiety altering to sheer delight.

Here’s a couple of ‘Before & After’ examples from two students brave enough to take to the stage when I asked them to join me at the last Born to Be in March 2019.

This is part of the Financial Freedom Forecaster report.

Student 1 Before TGP

Fig 1: Cash Flow Before Student 1
Fig 2: Net Worth Before Student 1

You must also remember that the ‘Before’ picture is where you are dissatisfied in all areas; mind, heart, body and spirit. Here, right now, we are simply looking at the money. The cash flow diagram (Fig 1) shows age along the horizontal and cash along the vertical. The blue bars represent enough money. The red ones, a shortfall. The black line is expenditure.

The red bars show a problem in retirement. Net Worth (Fig 2) shows that if this isn’t resolved, the student will fall in to debt in their old age or become a liability on their family (negative £2m by age 90!)

Imagine how you’d feel right now if that was you. Painful, yes? We’re about 15 minutes into the conversation in the third 90-minute session of four.

After TGP

Fig 3: Cash Flow After Student 1
Fig 4: Net Worth After Student 1

This is the picture at the end of 90 minutes.

Remember that the AFTER picture is doing what you love!

Through a few simple suggestions – that the student agrees are do-able and not too challenging – the outlook changes dramatically. We even stop trying to grow the business at age 70 as the numbers became too big to illustrate.

How do you think the student felt after that meeting? Amazing wouldn’t you say? Relieved perhaps! Jumping with joy I’d say!

The truth is, when you sell knowhow you earn while you sleep and never need to retire.

The difference in net worth at age 90 after a 90-minute conversation – was a staggering £7,500,000!

Student 2 Before TGP

Fig 5: Cash Flow Before Student 2
Fig 6: Net Worth Before Student 2

Your first impression with Student 2 might be, there’s no problem. There are no cash shortfalls in Fig 5. A financial adviser might agree, and walk away. Not that a financial adviser would be interested in this student, as they have less than £100,000 in investable assets. Not so a life planner!

Remember, ‘Before’ is doing work you may currently hate. Struggling day-in-day-out doing the same old boring job barely able to make ends meet, from 16 to 66 (50 years) on the bet you can buy freedom in the last 16 years.

Problem: This student has no money to have a bit of a life until their old age! They are simply locked in to a treadmill of work existence, struggling from one pay-cheque to the next, juggling overdrafts and credit cards, until retirement.

After TGP

Fig 7: Cash Flow After Student 2
Fig 8: Net Worth After Student 2

Here, Student 2 wanted to keep things as they were at home, until the youngest was aged 18 (in 4 years time). Then, in year four, Student 2 becomes debt free, and mortgage free, giving up the day job they dislike and living the life of dreams from then on.

The side-line business is sold in retirement for £2.5m. The difference in net worth at age 90 is £2,750,000 better off.

In both cases remember – no financial products were sold. I’m not a product salesman. I leave that to your product sales people. Anyway, 95% of stuff you can do yourself these days. I show you how to DIY the 95% on Your Money or Your Life Bootcamp, if that’s needed.

There were THREE people who took to the stage at the last ‘Born to Be’ at the Crown Hotel in Harrogate in March. The third, Student 3, decided to defer their decision to start working with me by six months. So, I don’t have their details.

Note: deferring start could cost thousands of pounds per month in the cash flow analysis. This time next year you may wish you had started today.

So, what’s your ‘Before and After’?

Is it worth you taking a couple of hours on a Sunday morning to find out more?

It’s absolutely FREE and you get refreshments included.

So, what are you waiting for? Book your place today.

Book your ticket for: ‘Born to Be’ at the Crown Hotel in Harrogate on Sunday 23rd June.


For further information see http://www.aolp.co.uk.

What’s your legacy?

United Nations Sustainable Development Goals for 2030

Do you have a cause you support? Would you like to support it more?

Could it be … Mental health awareness? Save the earth? Action for happiness?

Would you like all of your work to be dedicated to supporting that cause, full-time, and you make a decent living from it? After all …

“We are not obliged to follow the work, nor are we free to abandon it.” Old Talmudic saying.

Maybe you don’t think it’s possible. You exchange most of your time to making a living, rather than making a life. Day-in, day-out, doing the same thing. To pay the bills. Just so that when you get those few precious moments free, you can help your cause, or donate money to your cause.

Have you ever stopped to ask, why does life have to be this way? Let’s think outside the box for one minute …

Potentially, you see your work is helping. What you do works. But you could do so much more. You could make an even bigger difference. You could create a bigger, more lasting legacy. If you only had more time. Or if you only had more money. If only …

Why are we limited in our thinking this way? Who is doing the limiting?

Picture this. You find your financial freedom in a few years from now, so you can spend the rest of your life doing what you love and supporting the cause you are passionate about, full-time and sustainably; such that you create a lasting difference in the world, something far bigger than your life, for the benefit of others and future generations.

A true lasting legacy.

I’m sure you would agree, to be full-time in your passion would take a big plan to get you there!

Well that’s what I’m talking about.

Why listen to me?

The financial industry is the least trusted industry in the world. What matters most to customers of this industry matters least to the bankers who run it. And that is, Trust!

And, money’s pretty important … right?

It was November 2011, I was waiting in the meeting room on level 41 of the HSBC headquarters in Canary Wharf. It was a bit like the room in the Apprentice TV series.

In walks David. One of those smart, slick City bankers.

“Steve, the board have decided and their decision is final. They’ve rejected your proposal to create a trusted adviser. We’re going to lay them all off instead. Focus the marketing budget on lending for the next decade. That’s where the profits are. Obviously, it’s the right decision. All the banks are doing it. If you don’t like it … you can leave.”

In an instant, 95% of the population were underserved by the wealth industry. Sentenced to a lifetime of debt and work slavery, kept a few pay-cheques from the breadline just to service short-term shareholder profits and banker bonuses. The average unsecured debt is today half annual pay!

To me … that’s terrifying!

So, to my cause – to free the population from the grip of greedy bankers and to restore trust and confidence in a new, necessary financial industry; through helping people escape and campaigning for greater market integrity and transparency. All this in support of the United Nations Sustainable Development Goals with particular emphasis on eliminating poverty (1) and reducing inequality (10).

My journey these past seven years has been tough and challenging, battling alone in a material world with a not so material agenda; as a full-time and independent campaigner for the more mindful use of capital resources to improve social justice and care for our planet.

By developing the trusted adviser model, I have designed The Game Plan. This is a life and money planning tool that has helped hundreds of people, just like you, to escape the rat-race and follow their heart on similar journeys to mine – to be the change they want to see in the world.

I tell my story and their stories in my book, Your Money or Your Life – Unmask the highway robbers – enjoy wealth in every area of your life. I also tell it at my free events, Born to Be: The change you want to see in the world.

Today, I am an award-winning global ambassador for greater integrity and transparency in the financial industry. In February 2018, I even presented to parliamentarians in the houses of parliament; resulting in the establishment of an All-Party Parliamentary Group to look at Financial Stability: What lessons have been learnt 10 years on from the global banking crisis.

This is what I have done. What can you do?

How can what I have learnt help you to dedicate your knowhow to making the world a better place to live? To create your lasting legacy? For that cause, your cause, the one you are interested in supporting. Your calling!

It’s important because you were born for a reason, at this very moment in time. You have a God-given gift. Your purpose is to use that gift in the service of others. And, the world needs that right now.

It’s important because society limits us, numbs us, divides us, has us fighting one another; as in unity and awareness we find the opportunity to change the world.

Now is the time, as we are facing a global humanitarian and ecological crisis. It is in the hands of those alive today to determine how this pans out.

Now is the time, as we live in the age of information. You can take your knowhow and help others. You will be paid for your service. The more you can help, the more you are paid. You not only make a living, you make a life. Yours!

So, what’s your cause? What’s your mission … should you choose to accept it?

And, will you decide today – to learn more about how to turn your cause into your life purpose?

What’s stopping you …

Whose wrath do you fear? Is it the bankers?

Go ahead right now, click on the links below …

You can order my book here (£11.99 plus postage) https://www.academyoflifeplanning.com/shop/

You can order FREE tickets to attend my event here https://www.academyoflifeplanning.com/contact-us/booking-form/

You can book a FREE strategy call with me to discuss personal coaching here


You can find out more about SDGs here


Find out more about the Transparency Taskforce here https://www.transparencytaskforce.org/

Steve Conley, Your Money or Your Life planner, author and presenter.

Bitter Bonkers but Brilliant!


Your Money or Your Life: Unmask the highway robbers … Enjoy wealth in every area of your life!

By Steve Conley

An Author’s View (Warning: I hope you’re feeling socially responsible before reading this book!)

Disgruntled ex-banker with an axe to grind?

At first bitter, then bonkers?

Then the author tells you he wasn’t so much forced out … he left in disgust!

When behind the closed doors in Canary Wharf they made decisions that would sentence 95% of the population to a lifetime of debt slavery!

He has remained an investigative campaigner for transparency ever since. He was made an Ambassador and was awarded the Transparency Trophy for his contribution to improving global market integrity.

Who is this Robin Hood?

Why stick the boot in so hard on bankers, of all people?

Financial institutions are run by Baby Boomers (ages 52 to 71) and a few Gen X (ages 36 to 51). And when it comes to MONEY only 1-in-5 of these guys give a toss about people and planet.

They place profit before principles.

Whereas the majority of Millennials (ages 18 to 35) do care!

Think about it. Board decisions are made by a majority vote. We have another 20 years of this!

And, as Bankers force Millennials to hand over their coffers – hard earned on the mundane treadmill of existence we call the rat race – the stark fact is … they may have no future!

Seriously, another 20 years of bank-rolled warmongering parliamentarians in pursuit of plundering the valuable resources of the planet in some kind of intergenerational theft … what will the world be like in 2040?

At retirement there may be no food, no clean water no air to breathe.

So, what’s the alternative?

Here’s the bonkers bit.

We have to start doing the exact opposite of what they tell us to do.

We have to plan our lives before we plan the money.

We must accumulate … mindful of our impact on others … rather than accumulate mindful of just ourselves. We are co-dependant. We are one with others and the Earth.

Don’t get me wrong! It’s hard work reversing decades, if not centuries, of indoctrinated thinking. The key to our salvation … the key to unlock the truth … is found in an ancient truth that has been with us since the very beginning of time.

It is called the ancient natural cycle from creation to manifestation.

We see it in all our beliefs and traditions. We see it even before Noah – from a time when the Sun rose in the West. We see it in nature.

The author has unearthed this ancient wisdom, packaged the keys to freedom and describes it in his book … in the GAME Plan.

The fact is this. If we take control of our own lives and become responsible and accountable for our decisions


The planet will be saved and the world will know peace.

Reverse your thinking …

Before the Earth reverses its rotation once more.

NOW is the time to act. The future of the species of the planet is in the hands of those alive today. Your hands!


Before West becomes East.

Notes to the Editor:

“Words that come to mind are Bitter Bonkers but Brilliant.
Let me explain.
First half I come over as this disgruntled ex-banker with a gripe. Second half as bonkers using elements to explain the need to reverse thinking. I can imagine the ridicule now as readers plough through it.
Brilliant … but then you realise he’s on to something … we have 20 years of Baby Booming Bankers before the Millennials arrive. And we might not last that long!

Millennials are compelled to save for the future and hand over their coffers to the greedy bankers … what future?

I’m so pleased that when the fingers are pointed by future generations that I can point to this book … our legacy. “

Steve Conley

Your Money or Your Life! Available from 6th June 2019. Pre-order on Amazon today.


Your Money or Your Life!

Do you want to see world peace and save the planet – before 2040?

Here’s what you can do then!

Maybe you are appalled at the unaccountable hierarchies of profit and power relishing as warmongers for oil and intergenerational thieves for profit. Perhaps you see greedy bankers consistently place profit before principles. Possibly you are irritated by the veiled plundering of your life savings to fund hidden agendas, quarterly shareholder profits, bankers’ perks & unfathomable bonuses and furnish palatial gleaming City towers. Potentially you are annoyed being shackled to the treadmill two pay-cheques from poverty, so they’re not.

Picture this. The campaigning community the ‘Transparency Task Force’ drive positive, progressive and purposeful finance reform for the benefit of all. Imagine if the bankers were compelled to consider the socially responsible wishes of their investors. Here, bankers have to tell the public how much they take in charges from retail investments. What if bankers had to take oaths to abide by enforced principles-based codes of conduct. You’d think they did this already. But they don’t.

If planetary peril is where you are and planetary preservation is where you want to be, then I’m sure you would agree that the mindset of bankers must change.

The thing is. Mindsets won’t change. What bankers do – makes profit. It works. And, is therefore – to them, right.

The thing is. Transformational change will take decades. If we survive that long!

Why decades?

We can see evidence that younger generations place principles on a par with profit in the study ‘2016 US Trust Insights on Wealth and Worth‘. When asked if social or environmental impact is important to their investment decisions, 57% of Millennials (age 18 – 35) agreed, compared to 31% of Generation X (age 36 – 51), 22% of Baby Boomers (age 52 – 71) and 19% of Mature (age 72 +).

The stark fact is. The unaccountable hierarchies of profit and power – those who run our financial institutions – are Baby Boomers and Mature. And, due to the way votes count on bank boards, banks place profit before principles!

Until the Millennials run our institutions.

So, my question is … what must you do in the meantime? Well that’s what I want to talk about.

First let me answer the question, why listen to me?

Well, I’m one of those 22% Baby Boomers I talked about. I used to be head of investments at HSBC until they forced me out for wanting to place principles on a par with profit. I suggested we deliver freedom! Since then, I’ve made it my life’s work to deliver to you your keys to freedom. I’m now an award-winning global ambassador for Transparency, campaigning to bring about those advances we so desire.

Take those keys.

They’re in my new book.

“Your Money or Your Life: Unmask the highway robbers – Enjoy freedom in every area of your life.”

Available from 6th June, pre-order your copy now on Amazon.

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