What you've been running from... is exactly where you need to look.
A calm, step-by-step guide to ending the money fear that keeps you up at night - and building a life of clarity, control, and real peace, long before your bank balance ever changes.
Why I wrote The Overdraft Mind.
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You know the feeling.
Money sickness isn’t about the number in your account. It’s a loop your mind runs on repeat - and once you can see it clearly, you can finally break it.
The 2 a.m. spiral. You’re wide awake again, running the same what-if math you can’t switch off.
The unopened envelope. Bills pile up on the counter because opening them feels worse than not knowing.
The app you dread. You check your balance with your chest tight - or avoid it for days at a time.
The quiet shame. A weight you carry alone, certain everyone else somehow has this figured out.
You were never bad with money. You’re money sick - and money sickness is a real, treatable condition.
Let’s find the door.
This is the very first practice inside the book. Follow the light for a few breaths - in as it grows, out as it fades - and notice how quickly the panic loosens its grip.
From diagnosis to recovery.
The Overdraft Mind opens with the introduction most people never get - A Diagnosis Nobody Gives You - then walks you gently through seven short chapters, from understanding exactly what money sickness is to healing it for good.
What Money Sickness Actually Is
The condition no doctor names and no budget fixes. What money sickness really is - and why it has nothing to do with how much you earn.
How Your Brain Gets Hijacked by Money Fear
The hidden wiring behind the panic. What’s actually happening in your brain the moment money fear takes over and why willpower alone never works.
The Six Faces of Money Sick
Money anxiety wears six different masks. Discover which one is quietly running your life, so you finally know what you’re dealing with.
The Hidden Costs Nobody Talks About
Money fear takes far more than money. The silent toll on your sleep, your health, and your relationships and how to stop paying it.
Breaking the Spiral
The turning point of the book. Simple, in-the-moment tools to interrupt the 2 a.m. spiral and feel your body settle again.
The Money Sick Recovery Plan
Your clear, step-by-step path back to health a plan simple enough to actually follow, even on your worst money days.
Staying Well Long Term
How to protect your hard-won peace and build lasting financial calm, so the fear never quietly creeps back in.
Plus the conclusion that changes how you see yourself - You Were Never Bad With Money - and a complete appendix of tools, scripts, and resources you’ll return to again and again.
More than a book - a complete toolkit for calm.
- ✓The complete book
All seven chapters of The Overdraft Mind in PDF & ePub, read it on your phone, tablet, Kindle, or in print. - ♪Bonus: The 5-Minute Panic Reset
A guided audio that calms the spiral in the exact moment the fear hits hardest. - ▤Bonus: The Money Check-In
A gentle printable that turns facing your finances from a dreaded chore into a two-minute ritual. - ✎The complete tools & scripts appendix
Every worksheet, word-for-word script, and resource from the book, ready to use the day you need them. - ∞Lifetime access & free updates
Yours forever, including every future edition, at no extra cost.
What relief actually feels like.
Real readers, on the other side of money sickness.
I opened my banking app without my chest tightening - for the first time in years.
The Six Faces of Money Sick - I recognised myself on the very first page.
I read it in a single weekend and felt lighter by Monday morning.
Gentle but real. No shame, no lectures - just a genuine way out.
I stopped avoiding my mailbox. It sounds small - for me it was everything.
I wish it were even longer - but every single page earns its place.
This isn’t a budgeting book. It rewired how I feel every time money even comes up.
I finally sleep through the night. The spiral used to own my 2 a.m.
‘You were never bad with money’ - that one line alone was worth the price.
The recovery plan finally gave me steps I could actually follow. No fluff.
Understanding what money fear does to your brain changed absolutely everything.
I bought it for the anxiety. I kept it for the calm.
Colt Wren
Colt Wren writes about the psychology of money - the fear, the shame, and the quiet panic most of us never say out loud. After years lost in his own 2 a.m. money spiral, he became obsessed with a single question: why does financial anxiety grip people who are otherwise doing everything right? The Overdraft Mind is the answer he wishes someone had handed him years ago, a calm, practical path from money sickness to lasting peace.
Here’s everything you get
- ✓ The complete book, all 7 chapters (PDF & ePub)
- ✓ Bonus: The 5-Minute Panic Reset audio
- ✓ Bonus: The Money Check-In worksheet
- ✓ The complete tools, scripts & resources appendix
- ✓ Lifetime access + all future updates
- ✓ 30-day, no-questions money-back guarantee
Read the whole book and try every tool for 30 days. If you don’t feel calmer about money, email us for a full refund - no questions, no awkwardness.
In case you’re wondering.
No, and that’s the point. The Overdraft Mind works on the feeling around money: the anxiety, the dread, the endless mental math. It sits alongside any budgeting method you already use, or none at all.
Yes. Money anxiety is a learned response, not a life sentence - and the nervous system can be gently retrained at any age. Every tool in the book is small, doable, and built for exactly this.
Instantly. The moment you check out, you’ll get an email with the book, the bonus audio, and every worksheet. Access is immediate and yours for life.
Then you pay nothing. You have a full 30 days - if the book doesn’t help you feel calmer about money, just reply to your receipt and we’ll refund every cent.
The door is right there.
You’ve carried this quietly for long enough. The way out isn’t more willpower or a stricter budget - it’s understanding. Step through, and start walking toward clarity, control, and peace.
Get The Overdraft Mind - $11.97 →