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TechSmartUnity Financial Psychology Education

Helping people understand the emotional patterns behind their spending choices and build healthier relationships with money.

Upcoming Programs for 2025

We're opening enrollment for two specialized programs starting autumn 2025. Both courses focus on understanding the emotional side of money—how our minds work when making financial decisions, and why we sometimes sabotage our own goals. These aren't quick fixes. They're designed for people ready to examine their relationship with money honestly.

Two Programs, Different Approaches

One course is structured for those who prefer traditional classroom settings. The other is flexible and self-paced. Both cover similar ground but respect that people learn differently. We kept class sizes small on purpose—budget psychology requires honest conversation, not lecture halls.

Students engaged in interactive budget psychology workshop session

Foundations of Money Mindset

Sep 2025

A 12-week evening program exploring why we make the financial choices we do. We'll talk about cognitive biases, emotional spending triggers, and the stories we tell ourselves about wealth. There's homework—weekly reflections and budget tracking exercises that actually matter.

  • Duration 12 weeks
  • Schedule Tuesdays, 7-9pm
  • Format In-person, Kaohsiung
  • Class Size Max 18 students
NT,500 Get Details
Online learning environment for self-paced financial psychology course

Self-Paced Budget Psychology

Oct 2025

Same core content, different delivery. Video lessons with written exercises you complete on your schedule over 16 weeks. Includes monthly group video calls where participants discuss progress. Good for people with unpredictable work hours or those outside Kaohsiung.

  • Duration 16 weeks access
  • Schedule Your own pace
  • Format Online platform
  • Support 4 group calls included
NT,800 Get Details

Who's Teaching These Courses

Three instructors share teaching responsibilities across both programs. They've worked in behavioral finance research, financial counseling, and educational psychology. More importantly—they've each dealt with their own money struggles and learned the hard way.

Vernon Kowalski, lead instructor for budget psychology foundations

Vernon Kowalski

Behavioral Finance Research

Vernon spent eight years researching decision-making patterns in personal finance before switching to teaching. He handles the cognitive bias sections and facilitates discussions about why smart people make poor financial choices. His teaching style is straightforward—no motivational speeches, just practical frameworks.

Previously with National Taiwan University's Economics Department, published research on loss aversion in consumer behavior
Desmond Larsen, financial counseling specialist and course instructor

Desmond Larsen

Financial Counseling

Desmond comes from a counseling background and teaches the emotional regulation modules. He's good at helping people identify their money scripts—those unconscious beliefs that drive spending behavior. His sessions feel more like group therapy than finance class, which tends to surprise people at first.

Licensed financial counselor with 12 years experience, specializes in emotional spending patterns
Ruben Ashford, educational psychology expert teaching budget courses

Ruben Ashford

Educational Psychology

Ruben designs the learning activities and assessment methods. He ensures the course material actually sticks instead of being forgotten after week three. Handles the practical application portions where students create personalized systems. Doesn't believe in one-size-fits-all budget templates.

Educational psychologist focused on adult learning, consultant for financial education program design across Taiwan

How These Programs Actually Work

People ask about structure. Both courses cover the same psychological principles but accommodate different learning preferences. Some need face-to-face accountability. Others work better alone with periodic check-ins.

What's Included in Both Programs

  • Weekly modules covering specific psychological concepts—scarcity mindset, present bias, mental accounting, social comparison, and more
  • Personal assessment tools to identify your dominant money behaviors and emotional triggers
  • Practical exercises designed to interrupt automatic financial decisions and build new patterns
  • Access to recorded lectures and supplementary reading materials for later review
  • Community forum where students share challenges and progress (optional participation)
  • Final project where you design a personalized financial system based on your psychological profile

Questions About Enrollment?

Registration opens June 2025. We limit enrollment deliberately to maintain small group dynamics. Email us if you want to be notified when applications open or if you need clarification on course content.

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