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The Wealth Builder Course · A Self-Paced Curriculum
You Make Good Money. So Why Does It Feel Like There's Never Enough?
You're not behind because you're bad with money.
You're behind because nobody ever taught you how wealth is actually built.
This course fixes that.
11
Core Modules
13
Worksheets & Calculators
7
Irreversible Wealth Decisions
A Letter From Hiram
The System Nobody Gave You
Two incomes. Two kids. A house payment. Car notes. Student loans left over from a decade ago. $10,000 in savings you're proud of but terrified to touch.
You are doing better than your parents ever did. You say that to yourself. You mean it. And yet — there is this quiet, persistent feeling that something is wrong. That you should be further along. That more money came in, and somehow the stress didn't go down. It went up.
Nobody talks about this. You can't complain. You make good money. You should be fine.
"I grew up watching my dad's face change when the mail came in. I swore I'd be different. I make more than anyone in my family ever has. And some nights I feel exactly the same way he did."
That's someone who doesn't have a good relationship with money and who has a system problem. Why? You were handed a salary and told to figure it out - no structure, no system.
The Wealth Builder Course was built to fix that.
Not with motivation or discipline. Not with another budget you won't stick to. With a complete, step-by-step financial education — built for people who are earning, but were never taught how wealth is actually constructed.
Eleven modules. Real worksheets. Me speaking directly to you — the way I wish someone had spoken to me years before I figured this out the hard way.

You don't need more income. You don't need more discipline. You need a system, a number to build toward, and the seven decisions that — once made — cannot be undone.
Those decisions are what separate people who earn from people who build.
Your parents didn't have this. You're the first. The only question is whether you let that mean something.
— Hiram Lucena
The Full Curriculum
What's Inside the Wealth Builder Course
Launching June 1, 2026
Eleven modules. Every one built around a deliverable — a real number, a real worksheet, a real decision. This is not content to consume. It is a system to Build.
1
01 — Money Identity & Mindset
You cannot outperform your money identity. This module breaks the money story you inherited and builds the one you actually need.
Deliverable: Your Identity Statement
2
02 — Net Worth: The Real Number
Income is not wealth. Net worth is. You will calculate yours — maybe for the first time. Even if the number is uncomfortable.
Deliverable: Net Worth Snapshot & Tracker
3
03 — Your Wealth Builder Money System
Forget the restrictive budget. This is the 6-Bucket System — a complete money operating system — that directs every dollar you earn so nothing falls through the cracks.
Deliverable: Wealth Builder Money System
4
04 — The Truth About Debt
Paying off debt while building nothing is just a different kind of broke. This module shows you how to manage debt and build wealth at the same time.
Deliverable: Debt Payoff vs. Wealth Building Calculator
5
05 — Your Financial Goals & Vision
You can't build toward something you haven't named. This module helps you price out your dream life and create a vision worth working towards.
Deliverable: Top 101 Goals List Template + Vision Statements
6
06 — Your Financial Independence
Most people don't know what it takes to make work optional. This module gives you the exact number — and a plan to hit it.
Deliverable: FIN# Calculation
7
07 — Bringing Financial Independence to Life
Hitting the number is one thing. Keeping it is another. This module covers how money grows, how to distribute it in retirement, and what can take it all away.
Deliverable: Retirement Income Stack Worksheet
8
08 — Protect What You're Building
The 4 things every family must protect. Life insurance & Estate Planning explained clearly. This module puts a protection plan around your family, your income, your assets, and your legacy.
Deliverable: DIME Calculator + Protection Gap Analysis
9
09 — Building Wealth for Your Kids
Generational wealth starts with a decision, not a fortune. This module shows you exactly how to start building for your children right now. The decisions you make for your children today that compound for 30 years.
Deliverable: College Funding & Generational Wealth Strategy
10
10 — Putting It All Together
Identity → Structure → Systems → Scale → Generational Wealth. Your complete plan on a single page.
Every system, every number, every shift — connected into one roadmap.
Deliverable: One-Page Wealth Builder Action Plan
Every module builds on the last. By Module 11, you don't have a collection of ideas — you have a complete, personalized wealth-building system.
Is This For You?
Who This Is For
✓ This is for you if —
  • You want a system — not more information
  • You earn a solid income but have never felt financially free
  • You're the first in your family to make real money and you're figuring it out alone
  • You have debt, limited savings, and zero idea what your FIN# is
  • You've watched YouTube videos and listened to podcasts and still feel stuck
  • You're ready to make decisions and take action
  • You want to be the one who changed the trajectory for your entire family line
  • You are doing well AND want to level up your personal finances
✗ This is not for you if —
  • You want someone to manage your money without understanding it yourself
  • You're looking for get-rich-quick strategies or stock tips
  • You want a 3-page summary — this is a full course that requires real engagement
  • You believe making more money will automatically solve the problem
  • You're not ready to look at your real numbers
  • You think you're fine & don't need change
  • You want change without taking action

The people who get the most from this course are not the ones who know the least. They're the ones who are finally ready to stop consuming information and start building a system.
Pricing
One Price. Full Access. No Subscription.
$497
One-Time Investment
Lifetime access. All 11 modules. All 13 worksheets. No recurring fees. No upsells inside the course.
Payment plans available: 2 × $275 or 3 × $190
Full access granted on day one regardless of plan.
Everything That's Included:
  • 11 core modules — full video curriculum with Hiram
  • Worksheets and calculators built to give you real numbers
  • FIN# Calculation — know your actual financial independence number
  • Wealth Builder Money System — a complete cash flow operating system
  • DIME Calculator — know exactly how much protection your family needs
  • One-Page Wealth Builder Action Plan — your full system on one printable sheet
  • Access to the live WBC waitlist plus a complimentary consultation session with a licensed financial professional
Pre-launch special until May 31st
50% off registration fee
Guarantee
The Only Guarantee That Matters
If you go through this course, do the worksheets, calculate your FIN#, build your money system, complete the protection gap analysis, and make each of the 7 irreversible decisions — and somehow walk away without a complete foundation for building wealth — contact us and we'll make it right. We are not in the business of selling courses. We are in the business of building wealth builders.
14-Day Guarantee
If for any reason, you no longer want to continue with the course, we'll refund you. Full stop.
Lifetime Access
Come back to any module, any worksheet, any time. This is yours permanently.
No Upsells Inside
Everything you need is in the course. No hidden costs. No pressure to buy more.
FAQ
Questions People Ask Before Enrolling
Is this financial advice?
This course is NOT personalized financial advice. This course is financial education only— the kind most of us never received growing up.
For specific, personalized implementation, we have over 400 licensed financial professionals who work with people exactly like you, to help you apply these concepts.
Do I need a certain income level to get value from this?
No. The people who get the most out of this course feel behind but are ready to make a change. Not because they're doing something wrong — because nobody ever gave them a system. The frameworks work whether you earn $75K or $250K. The only requirement is that you're willing to run your actual numbers.
Will I need to buy anything else?
No. Everything is included. There are no upsells inside the course. At any point in the curriculum you'll have the option to book a complimentary session with a licensed financial professional — no charge, no obligation. You'll also have access to the live WBC waitlist. Neither is required to complete the course and get the full benefit.
How long will it take?
Most people take one module per week — full foundation built in 11 to 14 weeks. This is self-paced and you have lifetime access, so move at whatever speed your schedule allows. What matters is that you do the worksheets, not how fast you move.
How is this different from the live 90-Day LIVE Wealth Builder Collective?
This course is the foundation. The knowledge. The system built and the numbers calculated. The Live 90-Day WBC puts Hiram, his team, and a real accountability community around you for 90 days to make sure you actually implement it in your specific situation. Most people need the knowledge first. Then they need the accountability to make it permanent. The waitlist for the next live cohort is inside this course.
What if I already know some of this?
There's a chance you might. But there is a difference between knowing a concept and actually applying them. Most people who enroll have heard "compound interest" and "net worth" before.
What they haven't done is calculate their FIN#, build a real money system around their income, or identify where they're exposed. The worksheets are where this course lives. Don't skip them.
Stop Reacting to Money. Start Building Wealth.
The foundation you build in this course — your identity, your system, your FIN#, your protection plan — will compound for the rest of your life.
The cost of waiting is not $497. It's every month you operate without a system.
Your Money Identity
Break the inherited story. Build the one you actually need to move forward.
Your FIN#
The single number that tells you exactly what financial independence looks like for you.
Your Protection Plan
Know exactly what your family needs — and close the gap before something forces you to.
Generational Wealth
The decisions you make today compound for your children and their children after them.
14-day satisfaction guarantee · Lifetime access · Payment plans available
WEALTH BUILDER COLLECTIVE
Built for the ones who were never taught. — Hiram Lucena
This course provides financial education only and does not constitute personalized financial advice.