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Session 5 – Change Your Money Thoughts: Emotions & thoughts affect your finances

Did you know that our beliefs about money actually affect our career, relationships, and self-esteem? In fact, issues surrounding money are the number one causes of divorce in the United States. Most of our beliefs are created during our childhood. Whether from our parents, teachers, or friends, we were taught what to believe about money at a young age. As a result, our beliefs are primarily instilled into us by those most influential around us, and once they’re in, it can be extremely difficult to get them out.

session_beauty_05Additionally, most of our financial beliefs have been the same for years and we rarely analyze the cause of why we think the way we do.
This session looks at the connection between emotions and finances and helps you assess your financial beliefs and how they contribute to your success, or lack thereof.
Now that you have a better understanding about the power of saving, even small amounts, we encourage you to take a practical step towards starting and/or increasing your savings by opening a savings account and an auto deposit.

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1.
Watch: Emotions and Finances
Last Viewed: 08/25/2026 02:53 PM
Watch Video
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2.
Read: Are Your Financial Beliefs Keeping You From Financial Success?
Last Viewed: 08/23/2026 08:24 PM
Read Article
3.
Activity: Open a savings account or make a deposit
4.
Activity: Set a monthly savings deposit goal
5.
Activity: Set up auto-deposit even if it is for a small amount
Next Session: Learn to Adjust: Adjust your numbers for financial success

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Your Financial Strength Score (FSS)

Your credit score (which is what we always hear about) is all about the banks and reducing their risk whereas the FSS is all about you, your security, and your ability to withstand unplanned events!



After you've listed your income and lifestyle in a structured format, the FSS system creates a personalized plan for achieving long term financial goals by designing ways for you to modify your finances so that you can find additional money each month.



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Rapid Results Roadmap


With your membership in the Financial Strength Builder™ (FSB) you’ll be able to take advantage of our easy to follow step-by-step process to get your finances under control and start saving some serious money to build financial strength! We offer 12 sessions in the Rapid Results Roadmap to guide you through the process of building your financial foundation and show you how to continue to grow from there.

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Contact Us



Financial Strength Builder is primarily delivered through approved service providers. For questions about your financial service account, please contact your provider directly. This information can be found in the emails you receive.

Do NOT email financial documents to this address as they will not be fowarded. Contact your financial service provider.

Financial Strength Builder
155 North El Camino Real
Suite 141
San Clemente CA 92672

 

TERMS OF USE

The information on this website, related pages, its links, or any documents contained herein, are not meant to be a substitute for professional advice and are intended only to inform, assist, and educate users in the areas of credit and debt management. TFG Inc and its agents and employees cannot and will not provide legal advice. In some instances, it may be wise to seek professional help from competent legal counsel.

TFG Inc and its agents and employees, hereby disclaim any responsibility for any consequences of the use by anyone of the information contained at this site.

By use of our website and the links contained herein, and any related service or product offered through our website, either directly or indirectly through an affiliate or associate of our agency users agree to hold TFG Inc harmless for any and all damages arising out of its use.

By continuing to view any pages of this website you are agreeing to the following Terms and Conditions.

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We have taken every effort to design our website to be useful, informative, helpful, honest and fun. Hopefully we have accomplished that – and would ask that you let us know if you'd like to see improvements or changes that would make it even easier for you to find the information you need and want.

We are not responsible for typographical errors. We reserve the right to cancel any order if there was a typographical error on our site concerning pricing and program description. We reserve the right to change the terms and conditions without notice. No employee, coach or other representative has the right to vary any of the policies or terms and conditions regarding the sale of our products.

All we ask is that you agree to abide by the following Terms and Conditions. Take a few minutes to look them over because by using our site you automatically agree to them. Naturally, if you don't agree, please do not use the site. We reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to see what those changes may be! Your continued use of this website means that you accept those changes.

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All Online Materials on the TFG Inc site, including, without limitation, text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property. All usage rights are owned and controlled by TFG Inc. You, the visitor, may download Online Materials for non-commercial, personal use only provided you 1) retain all copyright, trademark and propriety notices, 2) you make no modifications to the materials, 3) you do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and 4) you do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes. You may not, however, copy, reproduce,
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All remarks, suggestions, ideas, graphics, comments, or other information that you send to TFG Inc through our site (other than information we promise to protect under our privacy policy becomes and remains our property, even if this agreement is later terminated.

pThat means that we don't have to treat any such submission as confidential. You can't sue us for using ideas you submit. If we use them, or anything like them, we don't have to pay you or anyone else for them. We will have the exclusive ownership of all present and future rights to submissions of any kind. We can use them for any purpose we deem appropriate to our TFG Inc mission, without compensating you or anyone else for them.p

You acknowledge that you are responsible for any submission you make. This means that you (and not we) have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

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THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH FINACIALSTRENGTHBUILDER.COM ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. TFG INC. MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF FINACIALSTRENGTHBUILDER.COM OR OF THE SERVICE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

TFG INC. MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON FINACIALSTRENGTHBUILDER.COM OR OF THE SERVICE AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. TFG INC MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICE IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.

TFG INC IS NOT A FINANCIAL PLANNER AND THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. The Service is intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

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The owner of this website is required by the FTC to inform you that a relationship exists between this website and some of the products or services it reviews,
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It is advisable to assume that any mention of a product or service on this website is made because there exist, unless otherwise stated, a material connection between
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Due to the material connection between the owner of this website and the owners of the products or services recommended here, it must be understood that a bias for
these products or services might exist. These biases, although based on facts, could have developed because of compensation for such recommendations from the product
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services recommended on this website. You should perform your own research and exercise due diligence prior to purchasing products or services from any website.

3. Compensation


The owner of this website may receive compensation for recommendations made in reference to the products or services on this website. This compensation may be in the form
of money, services or complimentary products and could exist without any action from a website visitor. Should you purchase a product or service that was recommended by
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This Compensation disclosure statement has been made to inform you of the possibility that a material connection between a product or service mentioned, reviewed or
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by this website.

Termination of This Agreement

This agreement is effective until terminated by either party. You may terminate this agreement at any time, by destroying all materials obtained from all TFG Inc site, along with all related documentation and all copies and installations. TFG Inc may terminate this agreement at any time and without notice to you, if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. In addition, by providing material on our websites, we do not in any way promise that the materials will remain available to you. And TFG Inc is entitled to terminate all or any part of any of its website without notice to you.

Jurisdiction and Other Points to Consider

If you use our site from locations outside of the United States, you are responsible for compliance with any applicable local laws.

These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the Nevada, as it is applied to agreements entered into and to be performed entirely within such jurisdiction.

To the extent you have in any manner violated or threatened to violate TFG Inc and/or its affiliates' intellectual property rights, TFG Inc and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Nevada, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Las Vegas, NV. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Clark County, NV, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

TFG Inc may modify these Terms of Use, and the agreement they create, at any time, simply by updating this posting and without notice to you. This is the ENTIRE agreement regarding all the matters that have been discussed

PRIVACY POLICY



At Financial Strength Builder™ (“FSB”), we respect your right to Privacy and the need to access and control your personal information. Therefore, this Privacy Policy details the Privacy practices for this webpage and applies solely to information collected in connection with your use of this webpage. This Privacy Policy shall govern the access to this webpage and by using it, you are accepting the practices disclosed in this Privacy policy.

How Do We Use Information We Collect Through This Webpage?

FSB will only collect your name and email address from this webpage, which will be stored securely on our servers and only used for the sole purpose of providing email communications to you.

Who Will We Share Your Information With?

Except as set forth below, we will not share your personal information with any third party without your permission.

· Legal and Government Authorities: We may disclose your information to proper authorities when we have a good-faith belief that such action is necessary to comply with applicable laws, valid legal processes, a court order, a judicial proceeding, or to protect our rights or property.

How Do We Protect Your Personal Information?

We take reasonable measures to protect your information on our servers. When you submit information via email or on this Webpage, your information is protected both online and offline. Although we exercise the utmost care in safeguarding your information, we cannot guarantee the security of information transmitted over the internet. Please understand that whenever you voluntarily disclose personal information online (such as through an email message or through filling out an online form), this information cannot be made 100 percent secure and, in some cases, that information can be intercepted, collected, and used by others.

Module 1: Understanding Your Finances

About Us

Financial Strength Builder™ (FSB) was designed in response to today's need for basic sound financial practices, a return to financial well-being, and the ability to realize one's dreams while providing for the future. Financial Strength Builder's founders have many years of experience in the financial services industry. Working with consumer finance, they recognized that financial needs have changed, with a growing demand for training on financial basics.

FSB founders identified a lack of knowledge today about even the most basic of household finances. Many people are living paycheck to paycheck, sometimes compromised by even the smallest of unexpected expenses. Financial hardships can be caused by deaths in the family, one or both spouses losing their job, medical hardships or other emergencies. Others, with homes they depended upon as a source of cash, now find those homes have lost their value. The desire to help educate American households in financial literacy, while showing them how to increase their financial strength, forms the basis of the mission statement for Financial Strength Builder™.

Financial Strength Builder™ is designed to provide solutions for achieving ones best financial life through a unique blend of life coaching and financial direction designed to help build greater financial strength. The founders of FSB thought the most effective way to educate people about relatively boring and dry financial matters would be to create a fun, online game that would captivate and hold people's attention while educating them on basic household finances, including help with behavioral changes that would facilitate continued interest and growth in one's ability to achieve financial strength. The first 'edutainment' tool, The Frugality GameTM, was soon developed. Since then The Frugality Game™ has evolved helping many people stabilize their finances while providing some measure of relief from long standing financial stress.

Educating adults in distress was the first step, but FSB then went on to address basic financial literacy with children. If we could create financially literate children, then as adults they may not have to go through the financial hardships their parents did. Going out to the non-profit market, pilot programs were done with various groups looking for a way to educate children in financial literacy. These pilot programs achieved success and were instrumental in the development of two new children's tools, Frugality Teenz™ and Chalkboard Kidz™.

In addition to The Frugality Game™, Frugality Teenz™ and Chalkboard Kidz™, FSB addresses the needs of adults with the Financial Strength Score™ (FSS) and the concept of the Four Foundations of financial strength . From targeted financial rescue strategies and basic financial literacy for adults, to the financial education of one's children, to financial education and single source savings. FSB is the only company to have addressed the issue of successful personal finance from all directions, providing the user the opportunity to not only become financially literate, but giving them ongoing tools that allow them to be able to hope again and make plans for their future.

Building your knowledge and skill with the four foundations



Financial stability depends on a structured process and the Financial Strength Builder™ automates and manages what you make, spend, and save.

The Four Foundations are:

  • Budget Management - Build a repeatable process for tracking and managing all your finances.

  • Savings System - Pay yourself first and automate the savings process.

  • Credit Building- Implement lifetime habits that will improve your credit, increase your buying power and reduce the interest you pay over your lifetime.

  • Debt Reduction- Learn ways to eliminate bad debt, understand when debt can be an asset.


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Why FSB?

Financial Strength Builder™ (FSB) was designed in response to today's need for the American household to return to financial well-being, gain access to the best financial deals available, realize your dreams and provide for your future. FSB™ provides you with valuable resources:
Articles
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Videos
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Calculators
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The FSB program guides you along your path to financial freedom and provides the satisfaction that comes from knowing that you are in control of your money. It has everything you'll need to know, in a simple, fun-filled environment, including financial tools, every day bargains and deals, tools to monitor progress, online financial direction, and personal financial training to help you achieve fiscal strength – fast!


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Introduction to the Frugality Game™

Overview of the Frugality Game™