Thrive1 Program is a part of 13Money™ WU's 5 tier system which aims to teach you how to structure your money to grow the roots of your wealth while seamlessly removing all bad financial habits you may have learned since a child.

13Money™ WU's first two tiers are strictly for beginners to structure your financial foundation:

Tier 0: Wealth Shift Program™ | Everyday cost: Free
- Milestone Goal: $500
- Net Worth Transformation Goal: $1,000

Tier 0 is where everyone starts in the 13Money™ WU system. It is free to enroll and you can get started right away with no cost to you.

You may have to put in a little more work but that is the cost of opting in for something that is free. It's sole purpose is to two-fold:

1. Learn to trust yourself with your own money.
2. Unlearn all the bad financial habits you've accumulated over the years.

Tier 1: Thrive1 Program™ | Everyday cost: $797
- Milestone Goal: $5,000
- Net Worth Transformation Goal: $10,000

Tier 1 was purposely built for beginners of wealth-building which we believe are people who have a net worth under $5,000 USD.

76% of Americans live paycheck to paycheck.
80% have less than $1,000 available to utilize for any unexpected emergency.

Tier 2: Elevate10 Program™ | Everyday cost: TBD
- Milestone Goal: TBD
- Net Worth Transformation Goal: TBD

Tier 3: Freedom100 Program™ | Everyday cost: TBD
- Milestone Goal: TBD
- Net Worth Transformation Goal: TBD

Tier 4: Decoded One™ | Everyday cost: TBD
- Milestone Goal: TBD
- Net Worth Transformation Goal: TBD

Not at all! One cannot become wealthy or build their net worth by just saving their money. Inflation alone is eating away at people's earned income that just sits in a checking account.

Ra-El Bey™ ( Ray ) believed a free mini-course ( Wealth Shift Program™ ) was necessary because it made no sense to charge our entry-tier audience money they’re currently struggling to maintain, whether due to circumstances outside their control or habits holding them back.

It was imperative for our target audience to have a proof of concept they could implement as they learned. And to even access the paid programs, the free program is provided first - no matter what.

All in all, the free mini-course ( Wealth Shift Program™ ) was created to help those who want to help themselves by establishing a foundation that supports financial structure, better habits, and a minimum net worth of $250 after all expenses are covered so they can have a basic proof of concept without coming out of pocket. $250 is just the milestone while $500 is the true transformation for the free mini-course. Seems small but its the baseline to achieve to break terrible financial habits.

As you retain more money and build your foundation, you’ll want to put systems in place that simplify repetitive tasks and grow your wealth. The paid course ( Thrive1 Program™ ) was built for those ready to reach the next milestone: $1,000 in net worth, with the ultimate goal of hitting $5,000 after all expenses are covered.

This is achieved by building a systematic structure that simplifies both your life and your money-building habits - with minimal effort on your part.

I mean, if you’ve got money, you might as well put it to work - so you won’t have to.

Please DM me on Instagram @raelbey13 but if you don't have Instagram then you can email me at ray@13money.org

We’ve worked with hundreds of people struggling to get their finances to that next level - many who’ve never been able to break away from paycheck to paycheck living - and others who couldn't get out from under impulse buying and entrepreneurs who want to overcome a plateau.

13Money™ WU - Thrive1 Program™ helps you genuinely shift your mind to maintain and build wealth while simultaneously unlearning bad habits (unbeknownst to you), so you never have to deal with the unnecessary stress of trying to financially survive another day.

Modules Start Releasing on September 11, 2025 at 9PM EST. Starting with Phase 0 Modules, Phase 1 Modules and Phase 2 Module 1.

Any time you invest time and money to potentially better your life in some way, there’s risk. Right?

Remember, there are no guarantees in life. You will always have to take risk to some degree. Just make sure it's calculated.

What if 13Money™ WU Program(s) doesn’t work for me?
What if 13Money™ WU Program(s) not as good as Ra-El Bey™ made it out to be?

What then?

Let’s look at the best and worst case scenarios:

Best Case: Over the next 90 days, you hit a new net worth milestone. You're able to invest in new assets. You are enjoying new opportunities. You learn new skills, new habits, a ton of confidence from making good choices, and the systems we teach for you to implement helps you grow every month. That’s the best case.

But what about the worst case?

Worst Case: Maybe it doesn’t work. Maybe you’re a week in, and you decide it’s not for you. Or the content isn't quite right, or maybe you're just not feeling the energy from the content creator...In which case, ask for a refund.

Refund Eligibility:
Refunds are only provided when a learner (student) has purchased the Thrive1 Program™ (only program we currently charge for) less than 7 days ago and has watched less than 20% of it.

It makes no difference whether you click the COMPLETE & CONTINUE button or not. Whether or not you watch the videos, the rule applies once you have accessed 20% or more of the modules in the course then a refund cannot happen.

There are no exceptions due to the nature of the product - being digital!

Our refund policy is a "no questions asked" refund policy and we will happily grant you a refund as long as you have not watched more than 20% of the program and your day of purchase of the program is not more than 7 days (168 hours) from the time of purchase.

For a refund please contact Ra-El Bey™ ( Ray ) directly here: ray@13money.org