Simple personal finance to unlock the family life of your dreams.

This program, created for families who are brave enough to step off the mainstream path of mindless money management, will show you how to move beyond financial stress and into financial freedom, where your money can allow you to live a truly values-based life.


take THE

"i feel more powerful and confident in every area of life."

I just paid off my student loans!!! 🙌🙏🎉 I'm literally crying as I write this! What a weight lifted.  And yes, that's huge. But what's way bigger, even, is the empowerment I feel in my financial future.

Rachel's guidance in the Sage Money Course is the perfect mix of Best Girlfriend meets Nerdy (and goofy) Financial Planner meets Supportive Life Coach meets Cheerleader in every magically inspiring way you can imagine. 

Truth: I've shied away from this conversation my whole adult life. I told myself that I'm not a "numbers person." Insert eye roll. My husband has a professional background in finance. I'm not the primary money-maker. I have other interests and ways I want to spend my time and energy than learning about money.... so many reasons for me to stay out of the money conversations.

Now I see that money is one of those levers that, once you own it, you decide to own your life. As a business owner, a wife who wants a seat at the table, and a mother who wants to raise a financially empowered child, IT WAS TIME. It was time to step into my power, time to live consciously, time to make plans for our future, and time for me to take ownership of my money story.  

Full disclosure: It's not easy. I've cried. I've resisted. I've lit candles and made many cozy beverages to help me confront areas I've ignored for too long. But like pretty much everything in life worth examining, the growth goes beyond the topic at hand. 

Since going through the course, my marriage is stronger. Business opportunities are showing up daily. I feel more ease in money conversations with our son. I feel more powerful and confident every area of life. It's my life and I am here to live it intentionally in every realm.

deena barselah


That was our net worth when we started this journey 5 years ago.

We were drowning in student debt, living paycheck to paycheck, avoiding the topic of retirement, and feeling overwhelmed and hopeless about all of it.

Don’t get me wrong, we looked perfectly fine and our kids had a good life. We were normal.

But after stepping off the mainstream path in parenting and homeschooling, I started to wonder if there was another way to live too—a way to design a lifestyle of intention and meaning that was better than the “normal” that my intuition was telling me wasn’t natural or healthy.

And I noticed that I wasn’t alone in my stress. So many brilliant people around me were just as frustrated trying to break free but the old formula of “work harder” wasn’t working.


5 years later, we have a seven-figure net worth.

We are debt free with fully-funded emergency and launching funds, a paid off house, and a 50% savings rate going to retirement and investments.

But what all that really means is that we feel free! We don’t lay awake at night worrying and we work and play however we want (hello travel!). It feels like our money works for us now. Our financial life is simple and efficient.

We get to live the kind of life we always imagined for our family and a minimalist approach to money was the key to unlocking it.

And as much as I like to think of myself as special, this approach to personal finance requires no special skills or abilities. I spent years studying all things personal finance to clear this path and now I’m inviting you in to walk it too.




Reflect on your story so you can edit it.



Assess your starting point by clarifying debts, assets, income, and expenses.



Better understand debt and map out a powerful payoff plan.

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Learn how to invest for your future simply, safely, and wisely.



Create the right accounts for your family.



Align and automate your spending with your values.








Plan for the freedom of not having to work to live. confidence.



Foster in your children a healthy relationship with money.

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Edit your money story

know your numbers

Be free of debt

Spend consciously

Have the right accounts

Invest simply and wisely

Become financially independent

Raise money savvy kids

you'll get

for $99

57 lessons containing:








"we are seeing with new eyes."

"I'm LOVING. THIS. COURSE!!! Rachel has been a mentor and lifeline for my family for the past 4 years. And while I've come to expect only the best advice from her, I could not have imagined that the woman I've leaned on for solid parenting support would become my new go-to resource for financial literacy and wealth building. But I should have known better!

Rachel is, in the best sense, a money nerd. In Sage Money, she brings her whole, hilarious, casually-imperfect perfect self to the table, walking you through every single step you'll need to bring your family into solid financial footing. I'll admit to being totally intimidated by this process before I began. But her humble, warty realness as she reveals her own family's journey from 6-figure debt to financial freedom is SO inspiring, and yet it feels totally in-reach by the end of this compact, thoroughly enjoyable and engaging course.

At 41, my partner and I are grateful to be healing the decades-old money baggage that's kept our family treading water for years. We are seeing with new eyes these days, and the road ahead looks and feels gloriously wide open. Thank you Rachel! You're my shero."

janne campbell

bonus #1


*with legacy file checklist

Your assets and children very well might go to the state in the event of your death if you haven't created an estate plan. This bonus chapter gives you everything you need to know to ensure your loved ones are cared for after you're gone—made simple. Doing this work can bring a tremendous peace of mind for any loving parent.

I'm rachel

hey there

The gentle parenting, natural homeschooling, and simple living mentor and founder of Sage Family. With a master’s degree in marital and family therapy, I have spent decades guiding thousands of overwhelmed families to peace and joy.

I developed Sage Money through years of supporting families with intentional lifestyle design, voracious self-study, and my personal journey to debt freedom and financial independence.

Frequently Asked Questions

How does this program differ from other money programs?

This program is different because it has been created specifically for families and includes both the deeper work that creates meaningful change and all the practical details to bring that work to life. It is also different in that it takes a values-based and minimalist approach to personal finance that aims for financial freedom.

Is this class also good for families outside the us?

This class does center the US experience (since I use our family as an example) but is applicable and helpful for families around the world. There will be points (like US retirement contribution limits) that will not be the same for every country.

Do you share your family's actual numbers in the class?

I use our personal journey with money as an example throughout the class and share loads of our actual numbers. The only figures we do not include are income, as that would violate my husband's employer's non-disclosure agreement.

Is there a time limit to complete the class?

It is self-paced with lifetime access. This means that you can move through the lessons whenever works for you, at the pace that feels right you, and you can revisit the content whenever if feels helpful for you, for as long as the class is up and running.


Yes! Sage Money is 20% off the first week of January (just once a year).

Money was the main obstacle to becoming a homeschooling family
. . . not anymore!

"I just finished the Sage Money class and it is amazing! Witnessing the brave money decisions Rachel’s family has made to create the most fulfilling life for them is so inspiring! 

I was always so worried about money being the main obstacle to becoming a homeschooling family. This class has given me the knowledge to take the necessary steps to reach our family’s financial goals, which in turn will allow us to live a life that is more in line with our values. This I think is what makes this course so impactful.

I feel so much more confident in my ability to choose the best path for my family and be less influenced by the sometimes strong cultural messages telling me what family life should look like. The class is also very comprehensive and not intimidating at all! 

I live in Canada, and while a few components of the class touch on financial products and programs that are specific to the US, all the information can very easily be applied to the Canadian context. I strongly encourage it!"

caroline bouchard

bonus #2


The class includes printable .pdf worksheets if you prefer to keep it low tech but it also includes fully customizable Google Sheets that are preloaded with the formulas to do all the math for you! 


— you, next year