Your relationship with money is just that - yours.

The My Money Mosaic framework is a holistic approach to financial formation that helps individuals understand and shape their relationship with money in ways that align with their identity, values, and vision for life. Using the analogy of an artist creating a mosaic, the framework guides people through three stages: exploring their foundation (the realities they can and cannot control), assessing their materials (their beliefs, skills, and resources—“mortar, grout, and tiles”—that make up their financial lives), and imagining their design (the unique financial way of being they want to craft). Rather than prescribing one-size-fits-all rules, the framework acknowledges the diversity of lived experiences and empowers individuals to create a financial path that reflects who they truly are. At its core, My Money Mosaic moves people from feelings of helplessness to hopefulness, offering tools for both self-reflection and practical action.

The My Money Mosaic framework unfolds in three interconnected stages that mirror the process of creating a work of art.

In the first stage, The Foundation, individuals ground themselves in reality by discerning what aspects of their financial lives are beyond their control and which areas they can influence.

The second stage, The Materials, invites reflection on the “mortar” of beliefs and values, the “grout” of skills and motivations, and the “tiles” of tangible resources—helping individuals clarify what they already have at their disposal.

Finally, with The Design, individuals weave these pieces together into a financial way of being that aligns with their identity and aspirations, choosing a style—Classic, Organic, or Artisan—that best supports their goals and vision for life.

The My Money Mosaic framework identifies three distinct design styles that reflect how people naturally approach their financial lives.

• The Classic style values structure and accountability, relying on detailed budgets and proven systems to create a sense of stability and order.
• The Organic style emphasizes adaptability and balance, using flexible methods such as percentage-based budgeting to adjust smoothly as life circumstances shift.
• The Artisan style is visionary and creative, crafting unique strategies to pursue ambitious goals like entrepreneurship, lifestyle design, or early retirement.

Together, these styles highlight that there is no one “right” way to manage money—only the way that best aligns with an individual’s identity, values, and aspirations.