You May Have a Behavioral Wealth Gap — and Not Even Know It
It’s not your fault. It’s the system.
You don’t need another restrictive budget or more financial guilt. You need a system designed to work with the way you naturally think, choose, and behave with money.
Hi, I’m Ted McLyman. As a Financial Choice Architect, I help you uncover your unique money temperament and build a personalized financial strategy around it—so your environment supports better decisions, your habits become easier to sustain, and smart spending happens by default.
It's Time to Close the Gap
Who Needs a Financial Choice Architect?
Willpower is a myth. You don't lack discipline—you're using a financial system designed for someone else's brain, not yours. The Money Behavior System™ is built for people ready to design a financial environment aligned with their unique money DNA and close their Money Behavior Gap once and for all.
How you behave with money matters more than what you know about it.
The reality: spending is automatic, unconscious, and emotional. You cannot out-math your ancient brain with a spreadsheet, a budget, or a new financial product.
Is what willpower is worth by 3 pm. Every day you rely on discipline is a day wealth leaks from your environment.
Treat wealth building as a design problem, not a discipline problem. Systemize it. Automate it. Move on.
"Traditional financial advice might be technically correct — but wrong for you. Your biology, beliefs, and technology are sabotaging your spending." — Ted McLyman, MS, MPA
Why Willpower Always Loses
Traditional financial advice creates a Behavioral Wealth Gap—the frustrating space between what a generic plan demands and what your natural money temperament actually allows.
If you don't build a system that respects your financial DNA, you will continue to waste mental energy fighting your own biology.
Treat personal finance as a design problem, and you eliminate the friction. You clear the mental clutter. You guarantee your momentum by making wealth-building automatic, invisible, and completely frictionless.
Get the Guide (Before Wasting Another Year)
Plus, get exclusive bonus material plus a $50 course coupon to fast-track your financial freedom.
What You Get When You Subscribe
The free MBS Starter Guide to help you systemize your spending.
Exclusive bonus material to help you better understand your money behavior and next steps.
A $50 course coupon to fast-track your progress when you are ready to go further.
Money Problems Are Rarely About Intelligence or Income
Brilliant people, elite athletes, celebrities, and sudden millionaires have all made destructive money decisions. The pattern is clear: financial success does not come from knowledge alone. Without the right environment and systems, behavior wins every time.
An often-cited estimate suggests nearly 70% of lottery winners end up broke or in serious financial trouble within a few years.
A National Endowment for Financial Education finding reported that about 78% of NFL players face financial stress or bankruptcy within two years of retirement.
Studies and industry reports have frequently shown that a large share of high-income earners still live paycheck to paycheck.
Celebrities
From MC Hammer to Nicolas Cage, fame and millions in income did not prevent overspending, bad structures, and poor defaults.
Elite Athletes
Even disciplined competitors can struggle financially once structure disappears. Athletic excellence does not automatically translate into financial behavior.
Brilliant Minds
Being smart is not the same as being systemized. Doctors, executives, founders, and highly educated professionals make emotional money decisions every day.
Here’s the Real Question:
If athletes, lottery winners, and high achievers can still experience financial losses despite ample resources, it’s clear that a better system is needed—not just more technical advice or different products.
The Money Behavior System™ (MBS)
Hi, I'm Ted McLyman. I am a reformed financial advisor turned Financial Choice Architect. I don't sell commission-based products, and I don't tell you where to put your money. I help you build a system that manages your behavior around your money.
Together, we implement The Money Behavior System™ — a proprietary framework that aligns your natural money behavior with your long-term values and goals. By applying the principles of choice architecture, the MBS helps you:
How We Work Together to Rebuild Your Financial Behavior
A four-phase, performance-based blueprint. No guesswork. No willpower required.
The Behavior Audit
We map your Wealth Performance Gap to diagnose exactly where your current behavior is causing friction and leaking wealth.
Custom Choice Architecture
We design a behavior-based environment that helps redirect your energy away from daily money stress and into your life and career.
System Implementation
We build the roadmap together — focusing on behavior rather than traditional financial tools and techniques.
Momentum & Maintenance
As your wealth grows, we calibrate the system to ensure good financial decisions remain your default setting.
- Discover your unique money temperament.
- Uncover why traditional financial advice actively works against your biology.
- Unleash the core principles of building a frictionless financial strategy.
The $47.00 Introduction to the Money Behavior System Course Is Free When You Buy the Book
Buy the book on Amazon, then use the coupon code in the appendix to unlock the course at no additional cost.
This course gives you a practical introduction to the core ideas behind the Money Behavior System™ so you can begin understanding your money temperament, identify hidden friction in your financial habits, and start building a more intentional, behavior-based approach to wealth.
What You'll Get Inside the Course
A clear introduction to the Money Behavior System™ and the thinking behind behavior-based financial design.
Simple insights to help you recognize how your natural tendencies shape spending, saving, and decision-making.
Practical next steps to start reducing friction and making better money choices feel easier and more automatic.
Start with the book, grab your coupon from the appendix, and get immediate access to a powerful entry point into the MBS framework.
Start Systemizing Your Spending Today.
Stop fighting your biology. Download The MBS Starter Guide: 3 Steps to Systemize Your Spending. Inside, you'll learn how to:
- Map your specific Wealth Performance Gap
- Engineer your first automated financial "default"
- Add physical friction to your worst spending habit
Three Steps to Eliminate Your Behavioral Wealth Gap: for individuals, coaches, and entrepreneurs.
Ready to bypass the guide and start building your custom strategy?
