01Weeks 1 to 4
Foundation and Mindset
Honest numbers, honest habits, and the beliefs underneath both.
- Who am I as a steward
- Facing the truth about money
- The power of a plan
- Breaking the emotion and spending cycle
Financial Transformation Program
We do not just give people tools. We help change mindsets.
The goal is not simply to qualify for a purchase. The goal is to become prepared to own, manage, and sustain it. Sixteen weeks, one cohort, one clear direction.
16 weeks$400 per participantGarner, NC
Enrollment details
What is confirmed today.
- Program
- Financial Transformation Program
- Length
- 16 weeks
- Price
- $400 per participant
- Format
- Group cohort, in person
- Location
- 3236 Suite A Benson Rd, Garner, NC 27529
- Start date and meeting schedule
- September 22, 2026 — Tuesdays, 6:30 PM to 8:00 PM
- Registration
- Reserve a seat, then our team confirms your spot
The next cohort starts September 22, 2026 and meets Tuesdays from 6:30 PM to 8:00 PM. Reserve a seat and our team will confirm your spot and send location details before you commit.
What participants receive
- 16 weeks of structured group sessions
- A participant workbook used every week
- A personal money plan you build as you go
- Weekly accountability with a facilitator and a cohort
- Preparation for conversations with banks and credit unions
- A purchase readiness checklist for a major decision
- A completion certificate at the end of the program
Who this is for
Financial direction is not an income bracket.
Financial transformation is about preparation, mindset, ownership, and direction. People come into this room from every income level, and they leave with the same thing: a plan they understand and can keep.
Someone rebuilding creditA working familyA young adultA college graduateSomeone who did not attend collegeAn hourly workerA tradespersonAn entrepreneurA middle income householdA professional earning well and managing money poorlySomeone preparing for a first major purchase
The 16 week path
Five phases. One direction.
Each phase builds on the last, from awareness to preparation to ownership.
02Weeks 5 to 8
Credit and Debt Literacy
How credit actually works and how to build a payoff plan you can hold.
- Understanding credit from scratch
- Building credit history from zero
- Debt: facing it and attacking it
- Mid program accountability and recalibration
03Weeks 9 to 11
Savings and Banking Relationships
Margin first, then a real relationship with a bank or credit union.
- The emergency fund and the power of margin
- Saving with a purpose
- Meeting with a banker or credit union
04Weeks 12 to 14
The Purchase Process
How to evaluate a major purchase before you sign anything.
- Needs and wants: choosing the right purchase
- Understanding loans and avoiding predatory deals
- Negotiation, paperwork, and insurance
05Weeks 15 to 16
Ownership and Sustainability
Protecting what you built and keeping the system running.
- Maintaining what you have built
- Graduation and ongoing stewardship
The Triangle Method in practice
Money decisions start before the spreadsheet.
Emotion shapes the thought. The thought shapes the behavior. Facts inform the decision, and the decision sets the direction, the action, and the outcome. We work the whole chain, which is why the plan holds after week 16.
EmotionThoughtBehaviorFactsDecisionDirectionActionOutcome
Preparation comes before the purchase.
The next cohort starts September 22, 2026. Reserve a seat and we will confirm your spot and send location details directly.
Direction3021 LLC provides financial education, coaching, and peer support. We do not promise or guarantee credit score increases, credit repair, debt deletion, loan or mortgage approval, vehicle financing, or any financial result. Direction3021 is not a lender, credit repair organization, financial adviser, attorney, or insurance provider. Participation does not create any of those relationships.
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