Dealing with Financial Stress

A comprehensive self-study course designed to help you thrive with your money in a world of increasing economic and personal financial challenges. 

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Empowering you with the knowledge and tools to navigate financial stress.

This 10-module course will give you the practical tools and tactics to confidently deal with the realities of increasing household debt, rising costs of living, wage stagnation, housing affordability challenges, financial literacy gaps and job underemployment.

Together, we have your back. So let's start thriving...

Learn from Cuppa's Finance Experts

Betsy Westcott, Financial Wellness Coach

Betsy is the founder of the Inner Money Journey, a financial coaching platform helping individuals and couples to live a financially free and secure life that allows them to experience true prosperity and their greater purpose. Her passion is improving the financial lives of others and advocating for financial wellbeing.

Across her career Betsy has worked in both large financial institutions and some of Australia's most exciting fintechs including NAB, ANZ, Macquarie, Xinja Bank and Future U. She's qualified as a Financial Advisor, Mortgage Broker and Certified Money Coach.  She's an ambassador to the Ladies Finance Club and a regular financial commentator in podcasts, articles and news outlets. 

David Koch, Host

David Koch is a passionate small business supporter, former host of Sunrise on Channel 7 and President of Port Adelaide Football Club. 

A long-time small business owner with his wife Libby, he is passionately helping everyday Australians with the tools and resources for their financial well-being, and help them succeed in both their business and their relationships.

Course Outline

Watch the introduction video to the course below to get a taste of the style and approach.

Each module is 8 to 12 minutes in length and comes with interactive exercises to put the teachings into practice.  

Understanding the impact of Financial Stress

Meet your hosts Betsy Westcott & David Koch as they introduce themselves and the concept of financial stress.

Discover the emotional strain that arises from income challenges, debt, and unexpected expenses. Explore the prevalence of financial stress in Australia today, driven by economic factors, personal financial challenges, and life transitions.

Understand how financial stress affects your physical and mental health, relationships, social dynamics, and work performance. And empower yourself with actionable activities to identify and manage financial stress. Let's embark on this transformative journey together!

Cultivating a healthy & resilient money mindset

Let’s begin by understanding the powerful connection between money and emotions in this transformative module. Discover the impact of your money mindset on financial decisions and behaviors, shaped by beliefs about self-worth, abundance, and success.

This module is designed to enhance your financial capability, confidence and resilience with practical strategies that you can apply instantly.

How to have healthy money conversations

Talking about money with our nearest and dearest can be fraught with emotion and discomfort. Not talking about money, however, is holding you back from achieving financial wellbeing. In this module, you will learn how to have healthy and productive money conversations that boost your financial wellbeing.

Assessing your financial situation

This module is all about understanding where you are today. If you don’t know where you are, you can’t make a plan to get where you want to be. Take charge of your financial future by assessing your financial situation with confidence!

Discover the benefits of gaining a clear understanding of your financial health, identifying strengths and weaknesses, and setting informed goals and strategies.

Learn how to gather financial information accurately and make simple calculations to gauge your financial well-being.

Setting Inspiring Financial Goals

Financial goals are essential for helping you overcome financial stress. They give you direction, focus, and motivation as well as a decision making framework to support you along the way.

In this module, Betsy & David show you how to create meaningful and motivating financial goals. They also share their best tips to overcome challenges you may experience along the way.

Creating a sustainable budget

Unlock the power of a sustainable budget for financial wellbeing and resilience. Discover how budgeting provides financial control, aligns spending with goals, manages debt, and fosters savings and wealth building.

Explore different budgeting methods, from 50/30/20 to zero-based budgeting, and how you can utilise digital tools and apps to streamline the process

Gaining control of Debt

Discover the alarming reality of personal debt in Australia, and learn effective strategies to manage and overcome it. Embrace a debt-free mindset, explore healthy financial habits, and find hope in taking control of your financial future.

Building Financial Resilience

Explore the correlation between savings and financial security, freedom, and peace of mind. Learn how to automate savings, build your financial cushion and achieve your long-term dreams. Beware of common savings pitfalls like FOMO and lifestyle inflation. Embrace the transformative power of savings on your financial future!

Planning for the Future

This module is all about creating a future that’s exciting and resilient. Explore the importance of personal insurances, for financial protection and peace of mind.

Learn the essentials of investing to grow wealth and create passive income streams, while planning for a comfortable retirement by starting early and diversifying your investments.

Lastly, discover the significance of estate planning in providing financial security for your loved ones and ensuring a well-managed distribution of your assets. Don't miss this opportunity to shape a financially resilient tomorrow.

Maintaining Financial Wellbeing & Confidence

You’ve made it to the end of the Dealing with Financial Stress course. Before you graduate David and Betsy share their tips on how to maintain your financial wellbeing, continue building your knowledge, and celebrate your new found financial confidence!

$99 Per Person

  • 3 month access for one user

  • 10 modules (8 to 12 minutes in length each)

  • Course introduction and recap videos

  • Downloadable exercises

  • Email reminders

  • Submit questions to Betsy

Purchase Now

$199 Per Person

  • 12 month access for one person

  • 10 modules (8 to 12 minutes in length each)

  • Course introduction and recap videos

  • Downloadable exercises

  • Email reminders

  • Submit questions to Betsy

Purchase Now

Buy for someone else in financial stress

Purchase this course as a gift for a friend or colleague who may need support.

Please ensure you select the right 'bundle option' when purchasing the virtual gift card.

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Want to buy in bulk or for your business?

If you're interested in purchasing multiple team memberships or exploring other ways we can support your business, please fill out the form. Our Cuppa crew will be in touch shortly

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Cuppa has been trusted by over 200 businesses in the last 3 years

From curated wellbeing programs, speaker bookings, licensing content, unique experiences and workshops, Cuppa has been the trusted partner to support teams in their professional and personal lives.

Now you can check out our suite of digital courses available to access on demand.

Frequently Asked Questions

How long will the course take me to complete?

You can easily watch an episode over lunch, on the commute home or in less than time than it takes to cook dinner of an evening.

The course has been designed for you to dedicate an hour per episode to watch it and then complete the activities.

If you want to take it slower however, dedicate an hour a week. If you want to complete it at speed, an hour a day!

How many hours a week should I dedicate to the course?

We totally understand that you've got a full schedule and a full life so we've intentionally designed this course to fit around you and your time commitments.

Complete this course in as little as an hour a week or an hour a day if you're on a deadline. 

Will I get a certificate at the end?

Upon completion of the course including all the workbook material, you will be awarded a Cuppa certificate for Dealing with Financial Stress.

Can I purchase this course as a gift?

Absolutely! We also offer bulk licenses if you'd like to offer this course to your organisation on a wider level. 

Can I upgrade to get 1:1 coaching?

If you'd like to discuss 1:1 coaching with Betsy or additional support then please reach out to us directly at


The content of this course is general information and for educational purposes only. Nothing contained in it is, or is intended to be construed as individual financial, tax or legal advice. You should, before you act or use any of this information, consider the appropriateness of this information having regard to your own financial situation and requirements. We suggest you seek advice from suitably qualified professional before making any financial decisions.

Acknowledgement to Country

Cuppa acknowledges and pays respect to the past, present and future Traditional Custodians and Elders of this nation and the continuation of cultural, spiritual and educational practices of Aboriginal and Torres Strait Islander peoples.

We are thankful from the lessons we have learned from the incredible First Nations people who have joined us for a Cuppa as we broadcast from the land that is and always will be Aboriginal land.