About this session
Making money work harder is not about chasing the highest return available. Different money has different jobs.
Money needed for an upcoming expense may need stability and easy access, while money linked to a goal many years away may have more time to tolerate fluctuations and potentially participate in investment growth.
The useful starting point is therefore not 'What should I invest in?' but 'What is this money for, when might I need it and what risks can it reasonably be exposed to?'
This session helps participants build that decision framework.
They examine the role of cash, saving and investing, see how inflation and time can affect purchasing power, explore how compound growth and regular contributions work and learn why time horizon matters when investment values move.
They then build a practical understanding of risk, diversification, asset classes, concentration and fees without being directed toward a particular security, fund or portfolio.
The final stage turns those principles into a repeatable financial system.
Participants identify where automation could make long-term plans easier to maintain, establish sensible review points and examine the behaviors that can undermine otherwise sound plans — including chasing recent performance, reacting emotionally to volatility or being drawn toward unrealistic return claims.
They leave with a personal Money at Work Plan based on purpose, time, risk, cost and consistency rather than predictions about the market.
What your people take away
- Give different money different jobs based on purpose, time horizon and liquidity needs
- Understand how inflation, compounding, regular contributions and time can affect long-term financial outcomes
- Connect investment risk and volatility to time horizon rather than chasing the highest possible return
- Use diversification and cost awareness to make investment decisions more deliberate
- Build an automated, reviewable long-term money system that can adapt as goals and circumstances change
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What each length covers
30 minutes
30 Minutes — Key Points: Decide What Your Money Needs to DoA focused 30-minute session on three key points from Decide What Your Money Needs to Do: give different money different jobs, match the job to the time horizon and protect the foundation before adding more risk.
- Give different money different jobs
- Match the job to the time horizon
- Protect the foundation before adding more risk
Covers 3 of 4 points in Decide What Your Money Needs to Do.
60 minutes
60 Minutes — Module 1: Decide What Your Money Needs to DoA practical introduction to putting money to work through purpose rather than product selection. Participants separate money needed soon from money intended for longer-term goals, examine the role of cash and investing and build a Money Roles Map showing which financial goals require access, stability, growth potential or further planning before investment decisions are made.
- Module 1: Decide What Your Money Needs to Do
- Live Q&A
Covers 1 of 4 parts: Decide What Your Money Needs to Do.
90 minutes
90 Minutes — Modules 1 and 2: Give Money a Job & Put Time and Compounding to WorkEverything in the 60-minute session, plus guided exploration of compound growth, regular contributions, reinvestment and time horizon. Participants compare illustrative saving and investing scenarios, examine why starting point, contribution behavior and time can matter alongside investment return and create a first long-term contribution framework without being given a target investment return.
- Module 1: Decide What Your Money Needs to Do
- Module 2: Put Time & Compounding to Work
- Money Roles Map
- Compounding and contribution scenario exercise
- Live Q&A
Covers 2 of 4 parts: Decide What Your Money Needs to Do and Put Time & Compounding to Work.
3 hours
Covers 3 of 4 parts: Decide What Your Money Needs to Do, Put Time & Compounding to Work and Build Growth Without Chasing Returns.
Full day
Full Day — Full Make Your Money Work for You WorkshopFull coverage of all four modules with money-role mapping, compounding scenarios, risk and diversification exercises, fee analysis and long-term system design. Participants connect goals to time horizon and liquidity, explore how diversified investment exposure differs from concentrated risk and leave with a practical 90-day Money at Work Plan focused on actions they control rather than market predictions.
- Module 1: Decide What Your Money Needs to Do
- Module 2: Put Time & Compounding to Work
- Module 3: Build Growth Without Chasing Returns
- Module 4: Turn Investing Into a Repeatable Money System
- Money Roles Map
- Compounding scenario lab
- Time Horizon & Risk exercise
- Diversification and concentration exercise
- Investment Fee & Friction Check
- 90-day Money at Work Plan
- Live Q&A
Covers all 4 parts.
Also available as a 4-week or 8-week program, for change that lasts. Ask us about it.
What’s covered
Decide What Your Money Needs to Do
Every length- Give different money different jobsParticipants identify the different jobs money needs to perform across everyday spending, financial safety, planned purchases and longer-term growth.
- Match the job to the time horizonParticipants connect each goal to an approximate time horizon and consider how soon the money might need to be available.
- Protect the foundation before adding more riskParticipants examine whether money already has near-term responsibilities such as essential spending, emergency resilience or expensive debt commitments before assuming every available amount should be invested.
- Understand the cost of doing nothingParticipants explore how inflation can reduce purchasing power over time and why holding all long-term money in cash can also involve risk.
Put Time & Compounding to Work
90 minutes and longer- See how compounding actually worksParticipants examine the difference between earning a return only on the original amount and earning future returns on previously accumulated growth.
- Understand why contributions matter as much as headlinesParticipants compare scenarios where the contribution amount, contribution frequency and starting time change while assumed market performance is held constant.
- Reinvest growth with intentionParticipants understand how reinvesting interest, dividends or other distributions can contribute to compound growth where appropriate.
- Use time without pretending time removes riskParticipants learn why a longer investment horizon can provide more opportunity to experience different market cycles but does not guarantee a profit or eliminate loss.
Build Growth Without Chasing Returns
3 hours and longer- Connect potential return to the risk takenParticipants explore the principle that investments offering greater growth potential can also expose the investor to greater uncertainty, volatility or loss.
- Understand the job of different asset classesParticipants receive a high-level introduction to common asset categories such as cash, bonds, equities and real assets and examine how they can respond differently to economic and market conditions.
- Use diversification to reduce reliance on one outcomeParticipants identify concentration across one company, sector, geography, investment theme or asset type and examine why spreading exposure can reduce dependence on a single result.
- Notice the costs that compound tooParticipants examine how recurring investment-management fees, platform or account charges, trading costs, advisory fees and other forms of financial friction can reduce the amount left to compound over time.
Turn Investing Into a Repeatable Money System
Full day only- Automate the behavior you want to keepParticipants identify where automatic transfers or contributions could make a chosen saving or investing behavior more consistent.
- Review the plan without watching it every dayParticipants establish purposeful review points based on goals and life changes rather than reacting to every market movement.
- Build rules for when markets get noisyParticipants examine common behaviors such as panic selling after a fall, buying after a sharp rise, following social-media tips or abandoning a long-term plan because of short-term headlines.
- Create your money at Work PlanParticipants bring the session together by selecting practical next actions across purpose, contributions, automation, diversification, fees and review.
Tools and materials
- Money Roles Map
- Purpose & Time Horizon Worksheet
- Financial Foundations Check
- Compounding Scenario Worksheet
- Contribution Consistency Planner
- Time Horizon & Risk Questions
- Diversification Check
- Concentration-Risk Worksheet
- Investment Fee & Friction Check
- Investment Decision Checklist
- Investment Red-Flag Checklist
- 90-Day Money at Work Plan
How booking works
- Book online. Create a free Workbliss profile, then pay with session credits, by card or by invoice.
- Pick a date. Choose a date at least 14 days ahead, or book now and set the date later.
- Choose your expert. Within 3 working days, we send you profiles of the experts available for your date.
- We deliver it. Your expert is briefed on your people and goals, then runs the session live online or at your site.
Questions about Make Your Money Work for You
How long is Make Your Money Work for You?
Make Your Money Work for You runs as 30 minutes, 60 minutes, 90 minutes, 3 hours or full day. You choose the length when you book. A 30-minute session covers three key points from Decide What Your Money Needs to Do: give different money different jobs, match the job to the time horizon and protect the foundation before adding more risk. A 60-minute session covers Decide What Your Money Needs to Do in full, with a live Q&A. A 90-minute session adds Put Time & Compounding to Work. A 3-hour session adds Build Growth Without Chasing Returns. A full-day session adds Turn Investing Into a Repeatable Money System. It is also available as a 4-week or 8-week program.
Can Make Your Money Work for You be delivered online or in person?
Yes, both. It runs live online, so every office can join at the same time, or in person at your site, in any country.
How do we book Make Your Money Work for You?
Create a free Workbliss profile with your work email, then open Make Your Money Work for You to see the price for each length and book it. You can pay with session credits, by card or by invoice, and choose a date at least 14 days ahead, or set it later.
Who leads the session?
A vetted Workbliss expert, briefed on your people, culture and goals before the session. After you book, we send you profiles of the experts available for your date within 3 working days, so you can choose who leads it.
Can it be tailored to our company?
Yes. Every session is shaped around your goals, your people and the benefits you already offer, and delivered by experts in your people’s languages.