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There has been a spiritual shift in my finances since taking your class. I didn’t notice much of a difference initially, but a couple of months later I recognized that I was thinking differently about money. I have continued to track my expenses diligently and formulate a budget every 2 weeks. Back to Testimonials A life-changing testimony There has been a spiritual shift in my finances since taking your class. I didn’t notice much of a difference initially, but a couple of months later I recognized that I was thinking differently about money. I have continued to track my expenses diligently and formulate a budget every 2 weeks. God is blessing, my paycheques have increased, and my cost of living has decreased. I also have a strong commitment to pay off my debt… slowly but surely, and strategically. So, thank you for the positive, life-changing impact you have made! I’m excited as I sense this is a “turnaround year” for me on many levels, but especially financially. I’m not “there” yet, but I am moving in the right direction! Judy Toronto, ON, Canada Previous Next

We are bombarded with information on investments. Every day hundreds of individuals give their opinion as to where you should invest your money. It is easy to spend excessive amounts of time and energy on investing. This is not God’s will: “Do not wear yourself out to get rich; have the wisdom to show restraint. Keep a Balanced Perspective Back to Investing By: Tom Copland October 19, 2021 We are bombarded with information on investments. Every day hundreds of individuals give their opinion as to where you should invest your money. It is easy to spend excessive amounts of time and energy on investing. This is not God’s will: “Do not wear yourself out to get rich; have the wisdom to show restraint. Cast but a glance at riches, and they are gone, for they will surely sprout wings and fly off to the sky like an eagle” (Proverbs 23:4, 5). It is appropriate for a Christian to spend time learning and applying God’s investment principles, but once this has been accomplished, we should take a long-term perspective and trust God for the results. “Trust in the LORD with all your heart, and lean not on your own understanding; in all your ways acknowledge Him, and He shall direct your paths.” (Proverbs 3:5, 6 NKJV) I review the portfolio that God has entrusted to me about four times per year. I ignore what is happening in the markets and in the media on a daily and weekly because excessive time and energy are required in order to absorb the mammoth amount of information that is available. During these “quarterly reviews,” I spend several hours with the Lord, seeking God’s wisdom (James 1:5) and God’s direction for my life, which God has promised to provide (Psalm 32:8). Since no individual can consistently predict the direction of the markets or any investment (James 4:13–15), I purposely listen for God’s “gentle whisper” (1 Kings 19:12), because I realize that only God knows the future and God is in control (1 Chronicles 29:11, 12). During this time with the Lord, I meditate on scripture verses that deal with investment principles to ensure that I have developed a biblically-based investment strategy. I review the portfolio and make adjustments according to God’s investment principles and God’s specific direction for me. I wait patiently for the Lord (Psalm 37:7) to provide his specific direction, and when I sense I’ve heard it, I pray and ask God to confirm it. Once it is clarified, in faith, I implement God’s plan for my investments. At all times, I ensure that the plan is within God’s investment principles because I know that God would not provide any directive that is contrary to his Word. If you “connect with the Lord” (John 15) on a regular basis and follow his wisdom and his direction, then you will have fulfilled your stewardship responsibility and you can leave the results (the return on your investments) to God. God has promised that he will meet your needs (Matthew 6:31–33). God instructs us not to worry (Luke 12:22–31) and not to be fearful (Isaiah 41:10), but rather trust him and be content with his provision. “But godliness with contentment is great gain. For we brought nothing into the world, and we can take nothing out of it. But if we have food and clothing, we will be content with that.” (1 Timothy 6:6–8) Be sure to give God “the first fruits” (Proverbs 3:9) of your profits, as this demonstrates your faith and commitment to him. God promises that he will bless the generous giver: “Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you” (Luke 6:38). Giving generously is the best way I know of to avoid hoarding and to deal with any potential greediness (Luke 12:15). In summary, it is appropriate to spend a reasonable amount of time learning and implementing God’s investment principles as well as seeking God’s specific direction for your life. However, it is not God’s will for you to spend excessive amounts of time and energy on investing. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

Discover financial ideas for managing money during Covid-19 with FinancialMoments podcasts. Explore financial ideas to thrive in tough times. Financial Moments Videos Video Financial Moments God’s financial wisdom for government leaders & voters Watch Series Teaching Children God’s Financial Principles Watch Series God’s Financial Wisdom for Churches and Church Leaders Watch Series Managing Money During Difficult Times Watch Series Dealing with Inflation and High Interest Rates from a Biblical Perspective Watch Series Giv ing Watch Series Secular vs Biblical Perspective on Money Watch Series Financial Moments for Businesses Watch Series Peace & Anxiety Watch Series Debt Watch Series Stewa rdship Watch Series Co- Signing Watch Series Financial Moments for Young People Watch Series Godly Attitudes Toward Money Watch Series Counsel & Wisdom Watch Series Inve sting Watch Series Prior ities Watch Series Relationship with God Watch Series Money and Relationship with Spouse Watch Series Discerning God's Will Watch Series Estate Planning Watch Series The Joseph Principle Watch Series Management of Money Impacts Eternity Watch Series God Provides Miraculously Watch Series Financial Deceptions Watch Series Financial Moments Articles 8 Articles Financial Deceptions Read More 4 Articles Co-Signing/Surety Read More 6 Articles Freedom from Financial Anxiety Read More 14 Articles Investing Read More 4 Articles Priorities Read More 3 Articles Counsel & Wisdom Read More 3 Articles Stewardship Principle Read More 1 Article Debt Principles Read More 1 Article The Joseph Principle Read More Articles Financial Moments > Covid-19 Covid-19 & Financial Moments 1. God Is in control regardless of Covid 19 Play Video 2. Experiencing God’s peace during a pandemic Play Video 3. Steps to Obtaining God’s peace Play Video 4. God Promised to Meet our Needs as We Put Him First Play Video Financial Moments on Managing Money during COVID 19 Watch Now Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Share Channel Info Close Financial Moments > Podcasts Financial Moment Podcasts Listen to Tom's Financial Moments on-demand. Now available wherever you get your podcasts. Search for "Copland Financial Ministries" on your favourite streaming platform. Don't forget to rate & review!

I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation. Thank you so much. I’ve been praying for at least 8 months now, asking God to help my son pay down a large income tax debt. I can’t tell you how much your courses are helping me. I’m learning so much. It almost seems overwhelming so I need to keep going over it. Thanks so much. May God richly bless you and your ministry. Back to Testimonials I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation " I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation. Thank you so much. I’ve been praying for at least 8 months now, asking God to help my son pay down a large income tax debt. I can’t tell you how much your courses are helping me. I’m learning so much. It almost seems overwhelming so I need to keep going over it. Thanks so much. May God richly bless you and your ministry." J. G. 281 Fir Lane Kemptville, Ont K0G 1J0 Previous Next

Learn how to manage your money based on Biblical principles. If you have financial questions, let us know and Tom Copland or one of our trained financial coaches will advise you. God's Financial Wisdom for churches and Church Leaders Session 1: God’s Wisdom on Debt & Saving Learn to Listen to God & Discerning God’s will. Sessions 1- God's wisdom on debt and saving for churches Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Session 1 Sessions 2 - God s wisdom on debt and saving for churches Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Session 2: Budgeting, Raising Funds Teaching Members God’s financial Wisdom and Questions before Borrowing Session 2 Sessions 3 God's wisdom on debt and saving for churches Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Session 3: Church Case Studies You've been faithful with a few things. I'll. I'll trust you, with you, with many things. Come and share your master's happiness. Session 2

I would just like to say that what you are doing is amazing! I know it is helping many people! I first saw you in your commercial. I am so happy to see a Christian giving Godly based wisdom on finances. I am also glad that I have your messages as a 23-year-old now, that way the rest of my life could be set on the right track. Thank you for what you do, I hope that it never ceases. Your love for the Lord is admirable as well, and you are a fantastic role model. I can’t wait to tell people I know about you! cheers! Back to Testimonials I can't wait to tell people I know about you! I would just like to say that what you are doing is amazing! I know it is helping many people! I first saw you in your commercial. I am so happy to see a Christian giving Godly based wisdom on finances. I am also glad that I have your messages as a 23-year-old now, that way the rest of my life could be set on the right track. Thank you for what you do, I hope that it never ceases. Your love for the Lord is admirable as well, and you are a fantastic role model. I can’t wait to tell people I know about you! cheers! Anonymous Previous Next

Discover the perfect Accountant/Bookkeeping person needed for your finance needs. Ensure proper book keeping with our expert services today! Accountant/Bookkeeping Person Needed _______________ Responsibilities & Requirements: The job entails a mixture of bookkeeping, some reasonably straightforward public accounting work [including preparing financial statements corporate returns and personal returns], and an individual who is flexible enough to do some bookkeeping and some administration. Required a minimum of 3 years of accounting & bookkeeping experience, ideally working in a public accounting firm. Bookkeeping includes some bookkeeping for clients and preparation of some Excel schedules for our firm. Some of the administrative responsibilities would include Zoom meetings with clients from time to time, drop packages at the post office and some other duties. Must be proficient in MS Office including Microsoft Word, Outlook and Excel and comfortable with computers. The ideal candidate would have knowledge of QuickBooks, Sage 50, and experience with Caseware, Caseview and profile T1 and T2 software. Must have access to a vehicle and a valid G2 drivers license in order to pick up things for the office from time to time. Must be flexible as there are other tasks that could be required. Remuneration will be based upon the candidates experience and knowledge and initially we may engage their services on an independent contractor basis, and at a later date as an employee. Working hours required minimum of 7 or 8 hours per day on Monday, Tuesday, and Thursday ideally working from 12 noon to 7 PM or 8 PM. There is some flexibility here. And if the candidate can prepare financial statements, corporate tax returns, there would be 40 hours per week of work available. This role must be performed in-office, and cannot be done remotely so the successful candidate needs to be within reasonable driving distance of our Markham office. Copland CPA Professional Corporation provides accounting and tax services to private corporations and in addition, Tom Copland provides biblically-based financial advice to the clients. Our website is www.copland-ca.com

Discover how God is Blessing! with cfm services. Explore financial management God's way through cfm services and support our growing ministry. God is Bless ing! An update on how God is spreading His Word on finances Media Reach Radio The Financial Moments are on 155 radio facilities across Canada and northern United States. Tom's half-hour shows are on 15 radio stations across Canada, including WDCX radio in Buffalo. Praise God! TV Tom's half-hour programs and Financial Moments continue to be aired on Miracle Channel (Western Canada), Yes TV (Ontario, Calgary, and Edmonton), Vision TV (nationwide), Faith TV (based in Winnipeg), and Joy TV (based in Vancouver). Reach Between the financial moments and the one half hour radio and TV shows, we are reaching between 1,500,000 and 2,000,000 people every week. That's the hand of the Lord! Financial Management God's Way Courses Although COVID 19 has created a number of challenges, it has also resulted in opportunities. For example, Tom led an 11-week webinar titled "Financial Management God's Way for Singles". We averaged between 75 and 100 people on each session, and the attendees were from coast-to-coast in Canada and some from the United States. Financial Ministry is growing Tom I'm glad to hear that the financial ministry is growing and changing people's lives all over the world. Taking your course actually broke a stronghold in my life, I really believe that. I also developed a new money mindset. I am learning to walk in God's ways of managing money. J.C. Waterloo, ON, Canada I wish I had learned these principles sooner My knowledge and understanding of God's financial principles has profoundly changed. The bible is a wealth of information on how we should wisely think and then manage our finances. I have been so culturally accustomed to secular thinking about finances that I was not even aware of the detrimental impact that it had on my relationship with God. My involvement in this study has benefitted my personal relationship with God. As mentioned in the workshop by Tom, 'if our hearts are dominated by money and related problems, how can we love God with all our heart?' I wish I had learned these principles sooner. I would encourage everyone to take this workshop. L.G. Toronto, ON, Canada Thank you for sharing your testimony Thank you Tom. The teaching session was really helpful and thank you for sharing your testimony. I really needed to hear many the things that were being taught and discussed. You're a great example of faithfulness to the Lord. R.S. Prince George, BC, Canada Biblical-Based Financial Counseling Between Tom and his small group leaders/financial coaches, we provided biblically-based financial advice on a ministry basis at no charge to over 1,000 people during the last year (that's up from 750 last year). Tom's New Book! God enabled Tom to write a new book. It's titled "Financial Moments: Biblical Principles That Will Transform How You Manage Money". Castle Quay is the publisher, and the book will be distributed to Canada & United States – 17 countries in total! If you are interested in a physical copy of this book, you can purchase it here . Half-Hour Programs We recorded several new half-hour radio and TV programs including: "The Dangers of Cosigning", "Management of Money Impacts Relationship with Spouse", and "Investing God's Way" along with numerous new Financial Moments. We continue with the half-hour TV shows on Vision TV (nationwide), Joy TV (based in Vancouver. BC), and Faith TV (based in Winnipeg. MB) as well as the half-hour shows on WDCX Radio (Buffalo/Toronto, ON), half-hour shows on Faith FM radio stations in London, Kitchener and Woodstock and 10 radio stations in Eastern Canada, as well as Focus on the Family on Wednesdays and weekends praise God! This year, God opened the door for the half-hour shows to go on YES TV Ontario, Calgary and Edmonton as well as Miracle Channel in Western Canada, thus reaching thousands of people in Western Canada. Consider Giving to Copland Financial Ministries As usual, Tom receives no remuneration whatsoever, and almost all the people involved in the ministry are volunteers, however, there are significant radio and TV costs, and so we would encourage you to prayerfully consider giving to this ministry. Of interest, we have a donor who will match all donations, so when you give your funds, they are immediately doubled. If you can, automatic monthly donations are best as it allows us to predict our cash flow better or if you prefer to do a one-time donation, all donations are appreciated. To give, go to our website or send a check to: Copland Financial Ministries 325 Renfrew Drive, Suite 301 Markham, ON L3R 9S8 Canada If you have questions, send an email to tcopland@zing-net.ca . We are registered with Canada Revenue Agency and will issue donation receipts. In Matthew 16:27, Jesus said, "For when the Son of Man returns in his father's glory with his Angels, he will reward each person according to what they have done". Thank you for your prayers and financial support! Copland Financial Ministries

Tom Copland teaches how to manage money based on Biblical principles. If you have financial questions, let us know and Tom or one of our trained financial coaches will advise you. https://www.coplandfinancialministries.org/ Need help with your finances? See our Upcoming Events below ⬇️ Scroll Below What We Do Tom Copland teaches how to manage your finances based on Biblical principles. God's Word, the Bible, has incredible wisdom in the area of finances. There are 2,350 references in the Bible to money and material things. God provides us with wisdom in all areas of finances including debt, budgeting, investing, counsel, stewardship, priorities, giving, cosigning, obtaining God's peace, and providing a distinction between worldly attitudes as opposed to godly attitudes with respect to money. If you have financial questions, let us know and Tom or one of our trained financial coaches will advise you. Contact Us Upcoming Events Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm Apr 09, 2026, 7:30 p.m. – Jun 25, 2026, 9:30 p.m. Zoom More info More Details Christine Kewallal Small Group-Financial Management God's Way- Saturday, 10am-12noon Jun 06, 2026, 10:00 a.m. EDT – Aug 29, 2026, 12:00 p.m. EDT Zoom More info More Details Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -"Management of Money Impact Your Relationship with God" Jun 14, 2026, 12:00 p.m. – 2:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd W, Orillia, ON L3V 6X5, Canada More info More Details Alexandra and Joyce Financial Management God's Way Small Group Jun 17, 2026, 7:00 p.m. EDT – Sep 02, 2026, 9:00 p.m. EDT Zoom More info More Details Events Featured Tom's New Book Management of Money Impacts Relationship with God, Spouse and Eternity Tom's Daily Devotional Book Financial M oments: Biblical Principles that Will Transform How You Manage Money Featured New Resources Sept. 30, 2023- Dealing with Inflation and Interest Rate- Parkway Watch Series May 3, 2023- Dealing with Inflation and Interest Rate- Zoom Watch Series Managing Money Difficult Times Watch Series God's Financial Wisdom for Young People Watch Series Discerning God's Will in Managing Money Webinar Series (2021) Watch Series Testimonials We thank you for your ministry "My husband and I have greatly benefited from the Debt Reduction CDs and DVDs for Businesses and Individuals. We thank you for your ministry and the impact it has had on our lives, our family, and the people around us. We would like to make monthly donations to Copland Financial Ministries." Anonymous See More Testimonials About the Author and Founder Tom Copland is a servant of the Lord Jesus Christ who has been called to teach God’s Word on finances since 1982. Tom is the founder and president of Copland Financial Ministries and the author of his book Financial Management God’s Way including many other CDs and DVDs. Tom is also a Chartered Professional Accountant (CPA, CA) who operates his own public accounting practice in Toronto, Canada (www.copland-ca.com ). About Author

Discover engaging workshops about financial management with our Finance Tutor. Join our featured workshop to enhance your financial skills today! Workshops Featured Workshop Featured Workshop Feb 15, 2021 webinar-Overview & Relationship With Spouse & God Play Video Feb 22, 2021-Session 2-God Wants Us To Discern His Will & Relationship With God Play Video March 1, 2021-Session 3- Learn to listen to God & Biblical Guidelines Play Video March 8 2021- Session 4-Challenges To Discerning God's Will & Tough Case Study Play Video Discerning God's Will In Managing Money Webinar Series (2021) Watch Now Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Share Channel Info Close Discerning God's Will in Managing Money Webinar Series (2021) This webinar series covers the following topics: 1. Relationship with God & your spouse 2. God wants us to discern His Will 3. Learn to listen to God 4. Challenges to discerning God's Will Download the PDF course materials below. Download PDFs Oct. 19 and 26, 2025- Emmanuel Baptist Church Secular Person Versus Biblical Steward Watch Now June 8, 2024- Ajax Alliance Church This emphasize more on “Biblical Estate-Planning Russell and Eli Watch Now Sept. 30, 2023- Workshop This emphasize more on “Dealing with High Interest Rates and inflation from a Biblical Perspective”. Tom's Workshop at Parkway Watch Now July 19, 2023- Budgeting Tom's Zoom Webinar about Budgeting Watch Now Sept. 18- Oct. 9, 2022- Westney Baptist Church Dealing With Inflation, High Interest Rates From A Biblical Perspective And Eliminating Debt- Tom Copland and Pastor Don Symons Watch Now Oct. 31- Nov. 21, 2022 Workshop with Tom Copland Session of 1 of 4- What Can you Do to Deal with Inflation and High Interest Rates Watch Now Advanced Biblically-Based Estate Planning God's Word, the Bible, has phenomenal wisdom on finances. Watch Now Debt Reduction God's Way for Individuals God's promises and our stewardship responsibilities. Watch Now Biblical Instructions for Engaged Couples The Bible contains 500 verses on faith and 2,350 verses on money and material things. Watch Now Financial Management God's Way for Women The Bible contains about 500 verses on prayer, 500 verses on faith, and 2,350 verses that deal with money and material things. Clearly, God's Word has incredible wisdom for us in managing money! Watch Now Financial Management God's Way Webinar Are you experiencing God's peace in the area of finances? If not, you're probably not managing money God's way. Watch Now Financial Management & Debt Reduction Presented at Muskoka Bible Centre. Featuring Financial Management Impacts Relationship with Spouse and Debt Reduction God's Way. Watch Now Financial Management God's Way for Singles Paying down debt, saving for future needs, and balancing one's cash flow are often more difficult for single people compared to married couples with two incomes. Although the biblical principles are the same, the practical application of the biblical principles can be different for singles. Watch Now April 10, 2022- Budgeting The purpose of budgeting is to ensure that you spend less than you earn so that you have a surplus to pay down debt and save for future needs. A proper budgeting system will provide the “financial facts” needed in order to make wise decisions. Guesswork and "gut feel" decisions are very dangerous Watch Now April 23, 2022- Financial Management God's Way For Women Clearly God’s Word has incredible wisdom for us in managing money! But unfortunately most Christians have limited knowledge of what the Bible says on finances. Watch Now Featured Workshop 2

While I have been aware of the workshop for a long time, I continually put it off because I was embarrassed, and to be honest, refused to submit to God’s truth. I learned that I was not alone. I am already making better choices but recognize that’s is a long way to go. Back to Testimonials I learned that I was not alone While I have been aware of the workshop for a long time, I continually put it off because I was embarrassed, and to be honest, refused to submit to God’s truth. I learned that I was not alone. I am already making better choices but recognize that’s is a long way to go. J.B. Alliston, Ontario Previous Next

Discover the principles of Handling Money God's Way. Join our sessions on stewardship, debt, budgeting, and more to transform your finances today! Handling Money God's Way Session 1: Stewardship Stewardship is acknowledging in your heart and mind that God owns everything Handling Money God's Way - Stewardship - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Handling Money God's Way - Stewardship - 1 of 3 28:02 Play Video Now Playing Handling Money God's Way -Stewardship - 2 of 3 28:02 Play Video Now Playing Handling Money God's Way -Stewardship - 3 of 3 28:02 Play Video Session 1 Handling Money God's Way - God's Wisdom On Debt & Saving - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Handling Money God's Way - God's Wisdom On Debt & Saving - 1 of 3 28:02 Play Video Now Playing Handling Money God's Way - God's Wisdom On Debt & Saving - 2 of 3 28:02 Play Video Now Playing Handling Money God's Way 2 - God's Wisdom On Debt & Saving - 3 of 3 28:02 Play Video Session 2: God's Wisdom on Debt and Saving God warns of the dangers of debt and God admonishes us to save for future needs Session 2 Session 3: Steps to Get out of Debt Obtain a practical understanding of how to reduce your debt, with the long-term objective of becoming totally debt-free Handling Money God's Way - Steps To Get Out Of Debt - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Handling Money God's Way - Steps To Get Out Of Debt - 1 of 3 28:02 Play Video Now Playing Handling Money God's Way - Steps To Get Out Of Debt - 2 of 3 28:02 Play Video Now Playing Handling Money God's Way - Steps To Get Out Of Debt - 3 of 3 28:02 Play Video Session 3 Session 4 Part 3 Biblical Principles of Investing Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Session 4 Part 3 Biblical Principles of Investing 28:02 Play Video Now Playing Session 4 Part 1of 4 - Budgeting 28:02 Play Video Now Playing Session 4 Part 5 Copland Budgeting System 28:02 Play Video Now Playing Session 4 Part 2 - Budgeting and Investing 23:24 Play Video Session 4: Budgeting Includes biblical principles of investing Session 4 Session 5: Financial Deceptions Beliefs that appear to be correct but are contrary to God’s principles and often tempt people to get into debt. Session 5 -Part 1 Financial deceptions Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Session 5 -Part 1 Financial deceptions 25:28 Play Video Now Playing Session 5- Part 2 Financial deceptions 26:19 Play Video Now Playing Session 5 -Part 3 Financial deceptions 27:00 Play Video Session 5 Session 6 - Part 1 of 3 Developing Godly Attitudes Towards Money Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Session 6 - Part 1 of 3 Developing Godly Attitudes Towards Money 26:48 Play Video Now Playing Session 6 - part 2 of 3 Developing Godly Attitudes Towards Money 26:53 Play Video Now Playing Session 6 - part 3 of 3 Developing Godly Attitudes Towards Money 26:58 Play Video Session 6: Developing Godly Attitudes Towards Money Session 6