Inclusive financial literacy mentorship program & community for modern witches.
coven
/ˈkʌv.ən/noun
- 1.
A group of witches who gather, practice, and protect one another. Traditionally thirteen; always a circle, never a hierarchy.
- 2.
Money Coven, proper noun. A financial literacy program and lifetime community for people who were never handed the rulebook — and are rewriting it anyway.
Origin · Old English cofen, from Old French cove — a chamber, a shelter, a place of belonging.
We were never handed the spellbook.
The financial system wasn't built for us. The knowledge, the shortcuts, the head starts - they've been passed down in rooms we weren't invited into, in a language designed to keep us out.
2–3×
more likely to live in poverty — trans and non-binary people are significantly more likely to face increased economic exclusion
Source82¢
on the dollar for women broadly; less for trans women, non-binary people, and those at the intersection of race and gender
Source~½
of LGBTQ+ adults report living paycheck to paycheck, with significantly lower rates of retirement savings
Source0.
personal finance courses required to graduate in most U.S. states - the knowledge gap is structural
Source"Wealth-building isn't complicated, there are some basic principles that are just not commonly taught. We're here to ungatekeep."
What is Money Coven?
Personal finance, demystified for the rest of us.
Money Coven is a free financial literacy program built for women, trans, non-binary, and gender-nonconforming people - anyone who feels their gender or sexuality has put them at a financial disadvantage. We can't fix the system. But we can make sure we understand exactly how it works.
The problem
The system wasn't built for us.
Women, trans, and non-binary people earn less, are charged more, and are almost never taught how money actually works. Financial knowledge has always been passed down inside the right families and the right circles. We're here to change that.
The program
Free sessions. Real knowledge.
A virtual, peer-to-peer mentorship program with guided sessions, guest speakers, and hands-on assignments — always free. We cover budgeting, credit, investing, and how to protect yourself from scams. No jargon, no shame, no upsell.
The community
Graduate and join the coven.
Finish all sessions and you're invited to join our community. Because everyone went through the same program, we share a common foundation. Real people from every cohort, no hierarchy, no bots, no spam. Organize, learn, and support each other.
How it works
Join a cohort
Apply to an upcoming cohort - it's free and remote.
Complete the program
Attend all sessions, learn with your cohort, and finish the assignments.
Enter the community
Graduates are invited to our coven. A decentralized global community.
Format
2h live sessions
Location
Fully online
Duration
8 weeks, 8 sessions
Schedule
Wed · 18:00–20:00 Berlin
Eight sessions
The curriculum.
Each session blends a short lecture, a guest speaker from the industry, and a hands-on group assignment you actually leave with.
Intro & Admin
Welcome to the coven. We set community agreements, cover program logistics, and take a first honest look at where each of us stands financially. No judgment, just a starting point.
- ✦Cohort introductions & community agreements
- ✦Setting your personal financial goals for the program
- ✦Baseline financial self-assessment (just for you)
PF Basics & Debt
The fundamentals nobody taught us: net worth, cash flow, credit scores, and how debt actually works. We break down good debt vs. bad debt and build a plan to face what you owe.
- ✦Reading your credit report and understanding your score
- ✦Debt payoff strategies: avalanche vs. snowball
- ✦Building your first net worth statement
Budgeting
Not a spreadsheet lecture. A real conversation about how money moves through your life. We explore frameworks that fit irregular income and real life, and leave with a system you'll actually use.
- ✦Finding your spending leaks without shame
- ✦50/30/20, zero-based, and envelope methods compared
- ✦Building a budget that survives an irregular paycheck
Portfolio Management
From index funds to retirement accounts, we cover the building blocks of investing: asset allocation, diversification, and compounding. You'll leave knowing how to set up a portfolio that works long-term.
- ✦How to open and fund a brokerage account or IRA
- ✦Understanding risk tolerance and asset allocation
- ✦Index funds, ETFs, and why most active managers lose
Digital Assets
Money is changing, and understanding how is a form of protection. We cover peer-to-peer transactions, what decentralization means in practice, and how to recognize the scams that target newcomers.
- ✦How blockchain and peer-to-peer transactions actually work
- ✦Spotting red flags: rug pulls, phishing, and pump-and-dump schemes
- ✦Safely engaging with wallets, exchanges, and self-custody
Entrepreneurship
For freelancers, side hustlers, and small business owners: how to manage irregular income, set rates, handle taxes, and keep business money separate so your work builds wealth instead of consuming it.
- ✦Pricing your work: calculating your real hourly rate
- ✦Quarterly taxes, write-offs, and self-employment deductions
- ✦Separating personal and business finances from day one
Insurance, Risk & Safety Nets
The unsexy stuff that actually protects everything else you've built. We decode what you need, what you can skip, and how to stop letting gaps in coverage turn into financial emergencies.
- ✦Health, renter's, and disability insurance decoded
- ✦Emergency funds: how much, where to keep it, when to use it
- ✦Understanding employer benefits and what to do without them
Capstone Presentations
Eight sessions in, you know something worth sharing. Pick the topic that resonated most with you and create something others can learn from. Any format works: the point is to contribute.
- ✦Choose your topic: something that changed how you think about money
- ✦Choose your format: infographic, article, video, zine, or guide
- ✦Share with the cohort and celebrate what everyone has built
After the program
You join the coven.
Finishing the eight week program isn't the end — it's the door. Graduates get lifetime access to a small, private community where we keep the conversation going and look out for each other.
Having all completed the same program, we share a common foundation and can support each other.
✦ hover or tap a card to reveal
The Sanctum
A vetted space for graduates. No lurkers, no scrapers, no AI bots, no spam.
The Sanctum
Sanctuary
- Participants only
- No scrapers, no bots
- Private by design
The Coven
Keep asking questions long after the program ends. The coven answers.
The Coven
Kinship
- Peer-to-peer learning
- Open discussions
- Community Support
The Oracle
Candid conversations about new developments, policies, and markets as they happen.
The Oracle
Foresight
- Real-time intel
- Access to new tools
- Stay in the loop
The Gathering
Occasional in-person events and meetups with people who've walked the same path.
The Gathering
Ritual
- Social gatherings
- Workshops & dinners
- Community organizing
✦ Join the waitlist
Come join us.
Drop your email and we'll let you know when applications open — plus occasional notes from the coven. No spam. Unsubscribe anytime.
✦ 1 witch already signed up
Who this is for
Why did we start Money Coven?
Our mission is spreading financial literacy & solidarity.
For the granddaughters of the witches you were never able to burn.
Money was used to keep women in place long before it was ever used to set them free. A wife couldn't open a bank account. A widow couldn't sign a mortgage. A single woman who earned her own coins was often the first one called a witch.
The overwhelming majority of people accused of witchcraft in early-modern Europe were women — and a quiet number of them were midwives, healers, widows, or women who had simply figured out how to live without a man. Their “crime” was often little more than financial independence at a time when that wasn't permitted to them.
Money Coven is a safe, queer, left, feminist-led space where financial literacy gets un-gatekept and passed hand to hand. The label is a wink. The work is serious.
With AI invading more and more of our online spaces and communities, we need to be more intentional about who we support and who we trust. Money Coven is a space for us to organize and build a strong, vetted, inclusive community.
1692
Salem. Of the twenty executed, many of the accused women had property, inheritance, or unpaid-debt disputes on the record.
1839
Mississippi becomes the first U.S. state to let married women own property in their own name — written mainly to shield family assets from husbands' debts, not to free women.
1974
The U.S. Equal Credit Opportunity Act. Until then, a woman needed a man to cosign a credit card in her own name.
1977
Germany. Women only gained full financial autonomy — including the right to open a bank account or sign an employment contract — without a husband's consent, in 1977.
1988
The Women's Business Ownership Act lets U.S. women sign a business loan without a male cosigner. Well within our mothers' lifetimes.
We're the first generation with full financial access. Let's do something with it.
The circle welcomes
- Womencis, trans, every kind
- Non-binary & genderqueerevery pronoun
- FLINTA*the full acronym, held
- BIPOCevery story at the table
- LGBTQIA+every letter
- Alliesshow up, listen, pass the spellbook
Held together
Our Partners & Sponsors
The circle that makes this work possible.
Interested in supporting our mission? partnerships@money-coven.com
Donate
Frequently asked
Still have questions?
A few things we get asked often. If something else is on your mind, write to us.