What is the Golden Eggs App?

The Golden Eggs App merges money and psychology to help us stick to whatever budget we set ourselves.

The focus is on enjoying life now, while staying on track for a great future.

Others claim savings are possible, but psychology trumps maths with money and we tend to overspend.

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We help:

people on a career path who love travel and property...

...to eliminate money worries and get on the path to financial freedom.

Best Practice Money Management Structure

YouTube video coming soon

Worst setup

Credit card always says "yes" — paid in full monthly. Pay cycle angst. Savings spent on holidays, car rego and Xmas.

The more you earn, the more you spend

Fast & Slow System

Income → Bills (Bank A) → Weekly spending (Bank B). 20–50% of income directed to Future · Holidays · Fun accounts automatically.

Spend what's in the account — guilt free

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Guilt Free Spending

Find the right balance between normal spending, fun spending and saving, so you can spend guilt free.

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Accountability

Fortnightly check ups to help you stay on track and quarterly revisions to make sure your plan is working. Scheduled meetings for when you need that extra help to get back on track.

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Personalised Golden Eggs

One size does not fit all. Get a tailored solution based on your spending habits and current financial situation. We will set you up on our golden eggs and help create a setup that works for you.

Don't just take our word for it

'We were earning $110k/year after tax, but struggling to save, pay rent and enjoy our life. In addition to wanting to save the deposit for a home, we wanted to save to go to the World Cup finals. We set up with 7 accounts across 3 banks and it helped us save our home deposit, went to 2 World Cups and an Olympics and eventually stop smoking!'

Karen and Di

Clients for 7 Years

FAQs

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'I often feel guilty about how much I'm spending'

We help you find the right balance between normal spending, fun spending and saving, so you can spend guilt free.

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'I understand the theory, but I'm not sure if it'll work for us.'

We will help create a personalised solution and integrate it into your life within 4 weeks.

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'I can't keep track of our money now, how will I cope with all these new accounts?'

We give you access to a portal to view all banks, superannuation and property assets and liabilities on one screen.

Max Phelps

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Grew up in a family of nine kids, playing Monopoly and aiming not to be poor. Initially terrible at saving, during a sales and marketing career with a multinational he stumbled across an effective set-up. He spent a couple of years as a maths teacher and began investing in property in order to retire young. Now Max is a professional property investor, with 11 years of experience in finance, and qualifications in mortgage broking and financial planning. He is the Amazon best-selling author of "Getting your money $hit together" and the current FBAA Finance Broker of the year for NSW/ACT.

These days he spends his time coaching young people on a career path who like property and love travel– to implement the golden eggs and get on the path to financial freedom. He wants them to learn from the mistakes he made, yet gain the same – or greater –success. When he takes a break, it's to travel with the love of his life and partner for thirty years, Kelly. On Fridays he is with his grandson, Matthew, and he cannot be disturbed. Max has taken the 1% Pledge and 1% of revenue is used to improve education in developing countries.