Wealth DecodedLife by design,
not by default.
4 Choices for Gen Z

Design the life you want, and learn to pay for it.

The 4 Choices method — Life Design, Expenses, Income, Investments — in thirteen short lessons, with Saturday Office Hours and the Wealth Decoded app.

For ages 16 and up, and the parents who want them to leave home with a plan.

Enroll now. Gen Z lessons are available starting November 15, 2026. Winter Break Sprint starts December 15, 2026. The complete recorded course is not available yet.

Enroll on this page. Your course opens at wealthdecoded.com the moment payment completes, and your welcome email includes your Office Hours link and your community invitation.

Enrollment Winter Break Sprint: $299Enroll to watch at your leisure: $299

$149 with a scholarship · 14 day refund at your leisure · Full refund until December 15 plus 7 days after the first session for the cohort · Lifetime access to the course materials Apply for an automatically approved, single-use scholarship code, emailed instantly, to pay $149 at checkout.

Two ways to take it. Same system. Same Saturdays.

Winter Break Sprint: $299 STUDENT ONLY

For high school and college students. Six weeks, live with Coach DJ, Tuesdays and Thursdays at 9 p.m. Eastern (8 Central, 7 Mountain, 6 Pacific), December 15, 2026 through January 25, 2027. Ten live sessions, with December 24 and December 31 recorded. Every session is recorded and posted, so you can also watch at your leisure. Saturday office hours for 90 days, then for as long as you're a member of the Wealth Decoded Community.

Enrollment Winter Break Sprint: $299

AT YOUR LEISURE: $299 STUDENT ONLY

This is a preorder. Lessons are available starting November 15, 2026. Watch released lessons when it suits you, and ask anything live at Saturday office hours. Lesson 0 plus 13 lessons, 13 to 20 minutes each, plus short recorded exercises that walk through the tools on paper or in the app, available on the Apple App Store and Google Play Store.

Enroll to watch at your leisure: $299

BOTH INCLUDE: Field Guide · The 4 Choices Story companion series · Saturday office hours with Coach DJ · 30 days of the Wealth Decoded app on the Apple App Store and Google Play Store and the Wealth Decoded Community

Lifetime access to the course materials.

Both are $149 with a scholarship. Apply for an automatically approved, single-use scholarship code, emailed instantly, to pay $149 at checkout. Apply for a scholarship.

Lessons open November 15, 2026.

Watch at your leisure: $299 Winter Break Sprint: $299 Scholarship: $149 Family Support add-on: +$200 ($499 total)

Then join the community

Every Saturday at 12 p.m. Eastern, Coach DJ holds Office Hours: questions, Map Reviews, course help, and COMPASS+ every week. Your course includes 90 days of the live call and 30 days of the Wealth Decoded Community, which runs on Skool. Join the free tier today at skool.com/djlr-2520.

Family Support add-on: $499 total

One Gen Z student, plus access for up to four parents or grandparents supporting that same student. Includes a Parent Guide to help family members follow the lessons, understand the student's decisions, and have constructive conversations while keeping the young adult in charge of their plan.

Student only: $299 · Add family support: $200

This is for the course. The Community Family plan is the monthly membership for your household. Invite up to four parents or grandparents from inside the course. Already enrolled? Add Family Support: $200

Enrollment cohort + family support: $499Enroll to watch at your leisure + family support: $499
What's included
WhatIncluded with the courseAfter that
Lessons, Field Guide, The 4 Choices Story, recordingsFor lifeNot applicable
Cohort live sessionsThe cohort period, with recordings for lifeNot applicable
Course Coaching Add-On: one 60-minute strategy session with Coach DJ after you finish the course. $250 for students, $350 for everyone else.
Optional Family Support add-on$499 total: one Gen Z student, up to four parents or grandparents supporting that student, and the Parent GuideFamily access is not included in the $299 student enrollment
Saturday Office Hours with Coach DJ (live Zoom call): 90 days, from purchase for watch-at-your-leisure courses or from the cohort start date for cohorts.
Wealth Decoded Community (replays, Map Reviews, Ask Coach DJ): 30 days, then Member or Student from $19 a month.
Wealth Decoded app: 30 days, then $9.99 a month, App for Life — $299 once. That's 30 months of the monthly price, then it's yours. No renewal, ever. Included with any paid Community plan.

WHAT YOU FINISH

One page. Your whole plan.

Illustrative one page plan for Maya, a character from The 4 Choices Story
Illustrative story example adapted from episodes 3, 9 and 12 of The 4 Choices Story. Figures describe Maya’s fictional plan.

By the end of the course, this page is yours, with your numbers. Not a certificate. A plan you can put on the refrigerator and check again next year.

Yours will come from your life. Maya's is here so you can see the shape of it.

Watch a full lesson, free.

Lesson 0: Start Here. The whole lesson, exactly as students see it.

The Field Guide

Field Guide page: the Map
The Map
Field Guide page: the Spending Plan
Spending Plan
Field Guide page: Your Freedom Number
Your Freedom Number

Format and time commitment

Lessons are 13 to 20 minutes, plus a short recorded exercise. Plan on two to three hours a week: the lesson, the worksheet, and Saturday office hours if you come.

Every course includes Saturday office hours for 90 days (at your leisure courses: from purchase; cohort courses: from the cohort start date). After 90 days, office hours continue for as long as you are a member of the Wealth Decoded Community.

THE REALITY CHECK

The old playbook is broken. The numbers prove it.

"Go to college, get a job, buy a house, retire at 65" was built for a different economy.

8×

Housing now costs about 8 times average income.

285×

CEO to worker pay ratio today.

1,085%

CEO pay growth since 1978.

$38K

Average student loan balance.

None of this is your fault. All of it is your problem. The course is how you make decisions in the economy you actually inherited.

The 4 Choices system

You have four choices. Most people make them by default.

Young adult planning at a laptop with a city skyline.

CHOICE 1: LIFE DESIGN

Decide what life should feel like before money, your feed, or old expectations decide for you. Define your non negotiables. Turn them into coordinates on the Map.

Person reviewing household bills and a spending plan.

CHOICE 2: EXPENSES

Price the life you designed. Build a Spending Plan. Understand Negative Money (debt) and the real cost of every choice before lifestyle creep writes your future.

Electricians wiring a new home under construction.

CHOICE 3: INCOME

Most people take whatever income shows up. You'll calculate the number you need, then build a path to it: skills that stay useful as AI changes work, and the negotiation to get paid for them.

Person reviewing an investment dashboard showing invested assets and a Freedom Number.

CHOICE 4: INVESTMENTS

Invest the first 20%, starting from dollar one. Calculate your Freedom Number, your planning estimate for when work becomes optional, then build the habit that gets you there.

Lesson 0 plus 13 lessons. 13 to 20 minutes each, plus short recorded exercises.

Lesson 0: Start Here

how the course works, the schedule, office hours, and the Map on paper

Lesson 1: The 4 Choices Framework

the four levers and how each one pulls on the others

Lesson 2: Life Design

the 7 Dimensions and what "a life lived fully" means for you

Lesson 3: The Map

calculate your coordinates and post them; where you are, where you're going

Lesson 4: Expenses

the yearly cost of the life you designed

Lesson 5: The Spending Plan

spent or invested, and when to buy

Lesson 6: Negative Money

debt, named and handled

Lesson 7: Income

the number you need, and the paths to it

Lesson 8: Skill stacks

income that stays useful as AI changes work

Lesson 9: Negotiation

getting paid what you're worth

Lesson 10: Investments

the first 20%, from dollar one

Lesson 11: Your Freedom Number

yearly cost of life × 25, and the Fortress at × 30

Lesson 12: Strategy and risk

investing you can keep doing for 40 years

Lesson 13: COMPASS+ and putting it all together

your 90 day plan and your first Map Day

The 4 Choices Story: one short episode before each lesson. Maya, Kai, Zara, and Liam meet in the Wealth Decoded Community and live that week's lesson out loud. Read it like a comic. Learn it like a case study.

Coach DJ, DJ Le Rouse, overlooking a canyon

Coach DJ

DJ Le Rouse spent 30 years in business, finance, and technology. He built companies, advised founders, and built and ran an AI driven trading fund. In 2017 he started writing a book on money for his son's generation. The book became the 4 Choices Framework, then the course, then this platform. He has been developing and refining it since.

"Money is a tool, not a goal. The life you design is the goal. Money is just the fuel that gets you there."
About Coach DJ →

Course questions

Can I watch at my own pace?

Yes. This is a preorder, with lessons available starting November 15, 2026. Watch released lessons at your leisure. Saturday office hours are the live part: 90 days with the course, and for as long as you're a member of the Wealth Decoded Community after that.

What's the difference between the Cohort Sprint and watching at my leisure?

Same lessons, same materials, same Saturdays. The Cohort Sprint adds Ten live sessions, with December 24 and December 31 recorded. It's only for high school and college students.

I'm 15. Can I take it?

The course is built for 16 and up. Ask your parents about 18-Year Advantage now, and the Teen edition in 2027.

Do I need money to start investing?

No. Lesson 10 starts from dollar one.

What if I miss a Sprint session?

Every session is recorded.

Refund?

At your leisure courses: 14 days from purchase, any reason. Cohort courses: full refund until the published start date plus 7 days after the first live session.

I can learn personal finance free on YouTube. Why pay?

You can. Information is free, and it has been for years; it hasn't changed how many people finish a plan. What you pay for here is finishing: a method that connects the money to the life you actually want, worksheets you complete on paper, a coach who looks at your Map on Saturdays and tells you the truth, and a one page plan at the end that is yours. Nobody sells you a secret. We help you finish.

Can parents or grandparents join the Gen Z course?

This is for the course. The Community Family plan is the monthly membership for your household. Invite up to four parents or grandparents from inside the course. Already enrolled? Add Family Support: $200

Design the life you want. Then build the plan that pays for it.

Enrollment Winter Break Sprint: $299Enroll to watch at your leisure: $299

Refunds, in plain words

Courses you watch at your leisure: 14 days from purchase, full refund, any reason. Watch as much as you like in those 14 days.

Cohort courses (Winter Break Sprint, 18-Year Advantage, Market First, Restart): full refund any time before the published start date, and for 7 days after the first live session. Miss the first session? The recording counts; the 7 days run from the session date.

One on one: full refund before your first session. None after.

Memberships (the Wealth Decoded Community, the app): cancel anytime; no partial month refunds.

Founding All-Access and App for Life: 14 days from purchase. Restart One-on-One deposit: refundable before your first session.

Email support@wealthdecoded.com. Refunds go back to the original payment method within 10 business days. Anyone who bought under an earlier policy keeps whichever terms are better for them.

Founding All-Access — $1,499 one-time

25 seats. Closes December 31, 2026. Every recorded edition for life, the community for life, the app for life. Cohorts and One-on-One sold separately.

25 seats total.

Explore Founding All-Access

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