Certified Money Coach (CMC)® Training · IndiaLed by Kavita Dhamani · India & Asia
India's first CMC® cohort

Go beyond knowing about money. Learn to work with the human side of it.

The Certified Money Coach (CMC)® Training is a professional pathway for people who want to help others transform their relationship with money — and a personal journey into the patterns, beliefs and behaviours that shape our own relationship with it.

Apply for the India CohortDownload the Cohort Flyer

No prior coaching experience or specific qualification is required.

Kavita Dhamani
Kavita Dhamani, CA, CMC®, QPFP®India's first Certified Money Coach ·Founder, The Money Coach ·Director of Development & Lead Money Coach Trainer for India & Asia at The Money Coaching Institute, USA.
Why Money Coaching?

Knowledge can tell us what to do. It doesn't always change what we do.

People can understand investing, saving or financial planning and still hesitate, avoid, overthink or repeat familiar patterns. Money is not only numbers. Our relationship with it is shaped by experiences, beliefs, emotions, behaviours and meanings that may operate beneath the surface.

“Money Coaching is the missing layer between knowing about money and how we behave with it.”

The CMC® methodology focuses on the human relationship with money — rather than recommending financial products, investments or financial strategies.

01

Understand the pattern

Explore the experiences, beliefs, emotions and behaviours that influence how a person earns, spends, saves, invests, gives, receives and makes financial decisions.

02

Work with the whole person

Connect behavioural money work with practical financial realities while distinguishing coaching from financial advice and therapy.

03

Turn awareness into change

Learn a structured Money Coaching process and practise applying it with clients, rather than stopping at concepts or conversation.

Why the CMC® designation?

WHY THE CMC® DESIGNATION?

01

Global pioneer in Behavioral Money Coaching

02

2,500+ Certified Money Coaches®

03

Across 42 countries

Who is it for?

A specialised capability you can add to what you already do — or build from the ground up.

The CMC® cohorts welcome people from diverse professional backgrounds. You do not need to be a financial professional or an existing coach. Becoming a Certified Money Coach (CMC)® not only adds another revenue stream, but also helps you become your clients most trusted go-to person for everything money.

Financial professionals

Add a new dimension to your existing practice.

If you are an MFD, RIA, CFP, QPFP, financial planner, adviser, accountant, wealth professional or someone who works closely with people around money, use the behavioural lens to complement the work you already do.

Coaches, counsellors & psychologists

Bring a structured money lens into your work.

For helping professionals, Money Coaching offers a specialised methodology for exploring a domain that can influence identity, relationships, choices and wellbeing.

Starting something new

Build a new professional pathway.

You may be exploring Money Coaching as a new area of expertise, a new service or a new practice. The training gives you a methodology, experiential learning and practice-client experience to build from.

Kavita Dhamani
Why Kavita is bringing Money Coaching to India

It wasn’t a knowledge problem. Something deeper was at play.

Kavita built a thriving two-decade career in institutional investing and financial services, working with complex financial decisions in sophisticated investment environments.

And yet, for a long time, she did not feel fully in charge of her own wealth.

Looking around, she saw it everywhere. Brilliant colleagues—many of them senior investment and finance professionals—carrying the same quiet uncertainty about their personal money.

This was not a knowledge problem. Something deeper was at play.

These observations led Kavita to look beyond financial knowledge and explore what truly shapes financial decisions. She discovered Money Coaching as the missing layer between what we know about money and how we actually relate to it—the beliefs, emotions and patterns that influence our financial decisions and behaviour.

She became India’s first Certified Money Coach (CMC)® and founded The Money Coach® bringing together Money Coaching with her deep background in finance and investments. Her own coaching journey through the CMC process was deeply transformative—not only changing how she understood money, but also how she understood herself and her own relationship with it.

Kavita’s role as Director of Development & Lead Money Coach Trainer for India & Asia at The Money Coaching Institute has grown from a shared vision with Deborah Price, Founder & CEO of the Institute: to help more people transform their relationship with money—not simply by learning more about money, but by understanding the beliefs, emotions and patterns that shape their financial actions.

Through this role, Kavita is bringing the Certified Money Coach (CMC)® pathway to India, with a broader vision of building a growing community of CMCs who can help people create lasting change in their relationship with money—and extend the impact of this work far beyond what any one practitioner could reach alone.

Kavita’s vision

To create a world where people feel confident and empowered in their relationship with money.

My role as Director of Development & Lead Money Coach Trainer for India & Asia at The Money Coaching Institute sits alongside and amplifies my work as Founder of The Money Coach®—together forming one integrated vision:

A world where more people, more women and more families have the freedom to truly choose their lives, with money serving as the vehicle rather than the barrier.

If this vision speaks to you, and becoming a Certified Money Coach® feels like your calling, I would love to connect. Reach out to explore the CMC® certification programme and discover how you can bring this work to the people you serve.

Warmly,

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Kavita Dhamani
The Certified Money Coach (CMC)® Training

A professional training and a personal journey.

The programme is academically informed and highly experiential. It draws on neuroscience, neuroeconomics, psychology and behaviour-change models while teaching a proprietary Money Coaching Core Process Methodology and how to apply it with clients.

Module One

Foundations & Principles

Build the conceptual foundation for behavioural Money Coaching and understand the theory and practice behind the methodology.

  • Approx. 8–10 hours
  • Online Training Center
  • Theory + applied foundations
Module Two

Experience the Core Process

Experience the core process yourself through guided one-to-one coaching and explore your own money patterns.

  • Four weekly sessions
  • Own money patterns
  • Personal experience of the process
Module Three

Learn through practice

Learn to apply the proprietary methodology with practice clients, case studies and live coaching experience.

  • Live online training
  • Two required practice clients
  • Approx. 14-week learning segment
India inaugural cohort price with peer coachingUS$1,500Programme fee with peer coaching for the Core Money Coaching Process.
India inaugural cohort price with Private coachingUS$2,000Programme fee with private coaching with a CMC (MCI) staff for the Core Money Coaching Process.
What you are working towards

A deeper understanding of money and behaviour, a thorough understanding of the Core Process Methodology, the ability to conduct it with clients, practical experience with practice clients and a foundation from which to continue developing as a Money Coach.

Your trainers

Kavita Dhamani & Deborah Price

This inaugural India cohort brings together Kavita's India leadership and Deborah's global experience in developing and teaching the Money Coaching methodology.

Kavita Dhamani
India & Asia · Lead Trainer

Kavita Dhamani, CA, CMC®, QPFP®

India's first Certified Money Coach (CMC)®, Founder of The Money Coach®, Keynote Speaker, and Director of Development & Lead Money Coach Trainer for India & Asia at The Money Coaching Institute, US.

Her background spans nearly two decades in financial services and institutional investing, including Fidelity International, Moody's, Macquarie, Systematix and Guardian Life.

Connect with KavitaBook 1:1 Call
Deborah Price
Founder & Co-Trainer

Deborah Price

Founder and CEO of The Money Coaching Institute and a pioneer of Behavioral Money Coaching. Deborah developed the step-by-step Money Coaching Method and is the author of Money Magic, Money Therapy and The Heart of Money.

For the inaugural India cohort, Deborah joins Kavita as co-trainer, bringing the Institute's global methodology and experience into the first Indian cohort.

Connect with Deborah
The Money Coaching Institute
The Money Coaching Institute

The home of the Certified Money Coach (CMC)® designation.

The Money Coaching Institute, based in California, USA, is the global leader in Behavioral Money Coaching.

Its unique coaching programs help clients address common challenges around money choices, unconscious money patterns and the practical, day-to-day management of money issues.

People often have unconscious patterns, beliefs and behaviours around money that can prevent them from fully experiencing their potential. Money Coaching helps individuals identify and move beyond these patterns, creating greater awareness, choice and agency in their financial lives.

Through its programs, the Institute helps people achieve greater levels of personal satisfaction, prosperity and fulfillment.

The Money Coaching Institute is the organisation through which the CMC® training is delivered, and serves as the foundation for a wider Money Coaching ecosystem of education, professional training and practice.

Visit The Money Coaching Institute
Global community

Become Part of a Global Community of CMCs

Money issues are seldom just practical.

Our money patterns and behaviours are often shaped by deeply held beliefs, emotions and experiences—many of which are deeply early in life and operate outside our conscious awareness. This means that even when people have the knowledge and resources to make different choices, they may still find themselves repeating patterns that stand in the way of their financial goals, hopes and aspirations.

Money Coaching helps bring these hidden dynamics into awareness, creating the possibility for meaningful and lasting change. It is powerful work—and it requires the right knowledge, skills and coaching approach.

For over 26 years, The Money Coaching Institute has been developing and teaching this approach. More than 2,500 Certified Money Coaches (CMC)® across 42 countries have been trained in this methodology, creating a growing global community of practitioners bringing deeper money conversations to their work and the lives of the people they serve.

Become part of this global community and bring the transformative power of Money Coaching to your own community.

Apply for the CMC India Cohort
For financial professionals

When Financial Knowledge Isn’t Enough

Money Coaching can offer a powerful new dimension to the work of financial professionals—helping them explore the behavioural and emotional patterns that can sit beneath financial decisions.

“However, after 15 years in the industry, I realized that financial knowledge alone cannot overcome limiting mindsets and ingrained behavioral patterns. People often solicit better money risk aversion and reckless risk-taking. As a CFP I couldn’t help these people make their financial plans a reality.”
— CMC® applicant, personal finance professional | Anonymised
“This experience taught me that financial freedom is not about numbers—it is about our emotional relationship with money. I am applying for this scholarship to move beyond spreadsheets and become a coach who helps resolve the behavioral and emotional issues behind financial distress.”
— CMC® applicant, personal finance professional | Anonymised

For professionals who already help people with money, CMC® offers an opportunity to develop the skills to work with what lies beneath the numbers—bringing behavioural insight, empathy and deeper money conversations into their practice.

Testimonials

What CMCs say about the training and methodology

Whether you're already working in coaching, financial services or another helping profession and want to deepen your skills—or you're looking for a more purposeful new direction—Money Coaching can open up a powerful new dimension to your work.

Hear from members of our global CMC community about their experiences and the impact of bringing Money Coaching into their work and the lives of the people they serve.

“I was particularly impressed by the Money Coaching Institute's coaching methodology, and the personal support provided throughout the certification program.”
Jeremy CastelinoCertified Money Coach & Psychologist · Australia
“It helped me to put the focus on my work with clients on the money relationship rather than the mechanics of money, which is a new concept in the UK.”
Helen CollierCertified Money Coach · United Kingdom
“Both the archetypes and the work have helped me as a coach and have become a useful part of my own life too.”
Michael SmitCertified Money Coach & Hypnotherapist · United States
“Transforming my own life instilled a deep sense of confidence and the drive to fully commit to building a money coaching business.”
Ellen KosterCertified Money Coach · Netherlands
“Deborah has trained me to look at what is not being said, and has taught me skillful and compassionate approaches to work with people and their shadows around money. Brilliant!”
Karen McAllisterCertified Money Coach · Brazil
“Working with Deborah and becoming a Money Coach has improved my life personally as well as my work serving solopreneurs and nonprofit entrepreneurs.”
Beth RapsCertified Money Coach & Founder of Raising Clarity · United States
“My work as a money coach allows me to help clients improve their finances, not only through financial services, but through helping change their money behaviors, as well as their relationships.”
Angie GraingerCertified Money Coach, CFP, CPA · United States
“I also appreciate that while all CMCs receive the same training, we are unique in our strengths, innate gifts, and the message we are here to share with the world.”
Christine MathieuB.Msc., Wealth Coach and Certified Money Coach · United States
“She has developed a system that really works on many levels for both the client AND the practitioner.”
Vivian FaulknerCertified Money Coach · United States
“As a 30 year advisor in the Wealth Management profession, Deborah’s training in money coaching has not only improved my own money behavior but more importantly it is an amazing tool that helps me deepen my client relationships.”
Michael LaineCFP & Certified Money Coach · United States
“I fell so in love with this body of work that I quit my day job and became a money coach. Life has never been so fluid and fulfilling.”
Evangelos DiavolitisCertified Money Coach & Entrepreneur · Canada
“As I launch my money coaching practice, I know that it is because of Deborah’s training, that I will serve my clients well.”
Sandra StewartCFP, Stewart Financial Services · Canada
“My Certified Money Coaching training allowed me to serve my clients in a much more holistic way. It's not just about telling people to spend less than they earn. I can now dig much deeper and pinpoint the patterns that led them to where they are today.”
Lama FarranCertified Money Coach · Canada
“Becoming a Certified Money Coach under Deborah's brilliant, systematic training was the best choice I've ever made. Her step-by-step process made it easy to provide life changing results for my clients.”
Kyoko ConnollyCertified Money Coach · United States
Webinar recording

Discover Money Coaching

What if the way we relate to money matters as much as what we know about it?

In this recorded webinar, Deborah Price, Founder & CEO of The Money Coaching Institute, and Kavita Dhamani, Director of Development & Lead Money Coach Trainer for India & Asia, introduce the world of Money Coaching and explore what lies beneath the financial decisions we make.

Discover how unconscious beliefs, emotions and patterns can influence our relationship with money—and how Money Coaching helps people develop greater awareness, choice and agency in their financial lives.

The session also introduces the Certified Money Coach (CMC)® pathway and the vision behind bringing this transformational work to India.

Watch the webinar recording →
Live webinar waitlist

Join the Live Webinar Waitlist

For over 26 years, The Money Coaching Institute's proprietary methodology has been helping people transform their relationship with money and create meaningful change in lives around the world.

Now, you can discover the powerful process behind Behavioral Money Coaching and explore how you can bring this work to the people you serve in your own community.

Join the waitlist to be the first to know about our upcoming live webinars and discover the Certified Money Coach (CMC)® pathway.

Join the Webinar Waitlist →
CMC | Money Coaching WhatsApp Group

Be Part of the Money Coaching Conversation

Join our WhatsApp group to stay connected with the growing Money Coaching community in India.

Get updates, resources, upcoming webinar invitations and information about the Certified Money Coach (CMC)® pathway—and stay close to the conversations shaping the future of Money Coaching in India.

Join the WhatsApp Group →
Conversations About Money

A conversation with Kavita Dhamani

What happens when someone who has spent two decades in finance discovers that understanding money and truly feeling in charge of it are two very different things?

In this episode of Conversations About Money, Deborah Price, Founder & CEO of The Money Coaching Institute, sits down with Kavita Dhamani, Master Coach Trainer in India, to explore Kavita’s journey from financial services to Money Coaching—and the deeper understanding of money that changed the way she saw both her work and herself.

Together, they explore the human side of money: the beliefs, emotions and patterns that shape our financial lives, why financial knowledge alone doesn't always create change, and what becomes possible when we begin to understand our relationship with money at a deeper level.

The conversation also offers a glimpse into the vision behind bringing Money Coaching and the Certified Money Coach® pathway to India, and the opportunity to build a growing community of practitioners who can bring these deeper money conversations into their own work.

Watch the Podcast on YouTube
Conversations About Money — A conversation with Kavita Dhamani
Resource hub

Go deeper before you decide.

Start with the pieces that help you understand the field, the training and the methodology — then explore the deeper material if you want to go further.

Start here

India Cohort Overview

Understand the inaugural India cohort, who it is for, the training journey and the people leading it.

Open cohort overview
Understand

What is Money Coaching?

Explore the human relationship with money and how behavioural Money Coaching differs from financial advice, planning and therapy.

Read on this page
Go deeper

Understanding Money Types

Learn why Money Types are symbolic archetypes that help us notice patterns and behaviours — not labels that define who we are.

Explore Money Types
Explore

The Eight Money Types

Meet the eight archetypes used in the Money Coaching framework and understand the role each can play in our money story.

Explore the eight types
Discover

Money Type Quiz

Curious about your own patterns? The free Money Type Quiz is a starting point for awareness — not a personality label.

Take the free quiz
Listen

Conversations About Money

Hear Deborah Price interview Certified Money Coaches from around the world and explore different perspectives on the field.

Explore the playlist
Books

Money Magic — First 3 Chapters

Want to understand the ideas behind the Money Types and the broader Money Coaching philosophy? Start with the first three chapters of Deborah Price's Money Magic.

Get the chapters
Perspective

Quality of Advice Review

See how CMC practitioners contributed to an Australian Treasury consultation. Read the context first, then explore the original submission.

Explore the review
Questions

Frequently Asked Questions

Everything from methodology and time commitment to fees, format, support and what to expect at the end of the programme.

Read the FAQs
Understanding Money Types

A way to notice patterns — not a label for who you are.

The Money Types are based on the concept of psychological archetypes. In the Money Coaching framework, they are symbolic metaphors that help us understand patterns and behaviours that may operate outside our conscious awareness.

Your Money Type is not your personality or “who you are.” It is a lens that can show us where we are, help bring unconscious behaviours into awareness and point towards where growth may be needed. The framework includes eight Money Types: Innocent, Victim, Warrior, Martyr, Fool, Creator/Artist, Tyrant and Magician.

Discover Your Money TypesMeet the eight types below

The Eight Money Types and the Money Type Quiz are excerpted from the book Money Magic by Deborah L. Price © Copyright 2001. All rights reserved. Used with Permission.

The Eight Money Types

Eight patterns. Eight different starting points for awareness.

These short descriptions are intentionally introductory. The full framework explores each archetype in greater depth.

The Innocent

Often avoids or feels overwhelmed by money matters, trusting others heavily and finding financial information difficult to navigate.

The Victim

May live through past money experiences and explain present financial difficulties primarily through external circumstances, often looking for rescue.

The Warrior

Focused, decisive and self-directed, often comfortable taking charge of financial decisions and competing in the money world.

The Martyr

Tends to put others' needs before their own, giving or rescuing repeatedly while carrying expectations about what others should give back.

The Fool

Adventurous and optimistic, willing to take chances and enjoy the moment, but potentially inattentive to details and consequences.

Creator/Artist

May feel tension between the material and inner/creative worlds, sometimes holding beliefs about money or materialism that limit financial expression.

The Tyrant

Uses money as a route to control, power or security and may struggle with a persistent sense that what is gained is still not enough.

The Magician

The framework's ideal Money Type: conscious of personal history and patterns, able to integrate inner awareness with action and create a more intentional relationship with money.

Source: The Eight Money Types Defined, developed by Deborah Price and The Money Coaching Institute, excerpted from Money Magic. Used with Permission.

Discover Your Money Types
A Deeper Introduction Through Money Magic

What if understanding your relationship with money changes the questions you ask?

Money Magic by Deborah Price, Founder & CEO of The Money Coaching Institute, is one of the foundational books behind the Money Type® work.

The first three chapters offer an introduction to the ideas behind the framework—inviting you to look beyond the numbers and explore the beliefs, patterns and behaviours that shape the way you relate to money.

Get the first three chapters and begin exploring the thinking behind Behavioral Money Coaching—before deciding whether the CMC® journey is right for you.

Get the First 3 Chapters →
Money Magic by Deborah L. Price
A place in the broader financial ecosystem

Money Coaching Has a Place in the Broader Financial Ecosystem

A submission to the Australian Government’s Quality of Advice Review

In 2022, a group of financial and behavioural money coaches made a submission to the Australian Government Treasury’s Quality of Advice Review, bringing the perspective of practitioners who understood both the financial services and the behavioural side of money.

Their central proposition was that financial wellbeing cannot always be addressed through financial knowledge or traditional financial advice. The submission explored how Money Coaching can address the beliefs, behaviours and emotional patterns that influence how people actually engage with money—and how it can complement, rather than compete with, traditional financial advice.

It also proposed a broader view of financial capability—one that includes not only knowledge and skills, but confidence, attitudes and behaviours—and positioned Money Coaching as a potential “pre-advice” service that can help people become more prepared to engage with financial advice.

A perspective from the financial advice profession

The submission includes a perspective from Michael Williams, Managing Director of The Hopkins Group, a multidisciplinary professional services firm with financial planning at its core. His letter describes how the firm incorporated Money Coaching and financial literacy into its pre-advice process, reporting that clients arrived better prepared to participate in financial planning—with greater financial understanding, clearer goals and a better grasp of their cash flows.

“A client who has undergone financial education and money coaching is better prepared and more capable of ensuring they receive the ‘quality of advice they rightfully deserve.’”

— Michael Williams, Managing Director & Authorised Representative, The Hopkins Group

Explore the submission

The full submission includes sections on the value of Money Coaching, the unmet need it addresses, its potential role within the broader financial ecosystem, the real-life client case studies, and the perspective of a financial advice professional.

If you’d like to explore the evidence and thinking behind the submission, read the full document here.

Read the Quality of Advice Review Submission →

This is Australian historical context and is not Indian regulatory guidance.

Frequently asked questions

Everything you may want to know before applying.

What is Money Coaching, and how is it different from financial planning or advice?

Money Coaching focuses on the human relationship with money — emotions, beliefs, experiences, behaviours and often unconscious patterns that influence how people earn, spend, save, invest, give, receive and make financial decisions. It does not focus on recommending financial products, investments or financial strategies. The CMC® programme teaches a specialised Money Coaching Core Process Methodology for working with these behavioural and emotional dynamics.

Is the CMC® programme also a personal journey?

Yes. The programme is both professional training and a personal journey. Becoming an effective Money Coach involves learning the methodology and developing the capacity to be present with clients around emotionally charged money issues. Participants also turn the lens inward to understand and work on their own money patterns.

How much time does the training take?

Module One takes about 8–10 hours total and can typically be completed in one to two weeks. Module Two involves weekly coaching sessions and homework over roughly four weeks. Module Three involves online learning, practice-client work and live sessions; it takes roughly a 14-week segment, with the exact workload varying as practice clients progress.

What is the methodology based on?

The programme draws upon neuroscience, neuroeconomics, psychology and behaviour-change models. It is also highly applied: participants learn the proprietary Money Coaching Core Process Methodology and practise conducting the process with clients.

Where and how is the training delivered?

All portions of the training are online. The inaugural India cohort is co-taught by Kavita Dhamani and Deborah Price. The first cohort's scheduling accommodates the U.S./San Francisco time zone so Deborah can co-teach from San Francisco, with adjustments as the programme progresses.

Who generally participates?

CMC cohorts are diverse, with strong representation from financial services, coaching and counselling professions. People from other professional backgrounds are welcome because Money Coaching can complement many existing areas of expertise. You do not need to be a financial professional to become a Money Coach.

Do I need prior coaching experience or a specific qualification?

No. No prior coaching experience or specific qualification is required. A financial-services background can be helpful, but it is not required.

What are the fees?

The inaugural India cohort is priced at US$1,500 with peer coaching for the Core Money Coaching Process. A private-coaching option with MCI staff is US$2,000. There are no other programme costs.

What happens after the cohort?

The Institute's intention is to build an ongoing Money Coaching community in India, with opportunities for connection, learning and collaboration. The wider Institute also offers business-development learning, continuing education, advanced trainings and optional individual coaching at additional fees.

What should I expect to be able to do by the end?

The stated intention is to develop a deeper understanding of money, the brain and the emotional/behavioural dynamics of money; understand the proprietary Core Process Methodology; be able to conduct it with clients; gain practical experience with practice clients; and have a foundation from which to continue developing as a Money Coach.

Is this a financial education or investment programme?

No. CMC® training does not involve financial education about products or investment management. The focus is a specialised coaching methodology centred on the human relationship with money.

What support is available during the training?

The training includes the Core Process experience, instructor-led learning, practice-client work, case reviews and coaching support built into the programme. The exact schedule and support structure for each cohort is confirmed during onboarding.

Ready to take the next step?

Ready to become a Certified Money Coach®?

You don't need to have it all figured out before you start.

If you feel drawn to this work, take the next step.

Apply for CMC® Training India →

Still have some queries?

Talk to Kavita
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How this site measures engagement

This site uses analytics and behavioural tools to understand how visitors discover and engage with the CMC® India page. These may include Google Analytics 4 and Microsoft Clarity, including information about page visits, engagement, clicks and navigation behaviour. Campaign links may also use UTM parameters so traffic sources can be understood. These tools should be reflected in the site’s applicable privacy policy and consent/disclosure settings.

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