Start learning at
your own pace
Rufunu is a self-directed program. You move through the material when and how it suits you. No deadlines, no pressure. Just focused learning about how the mind approaches saving.
Inside the program
A structured sequence of learning modules, each built around a single psychological concept relevant to saving behavior.
How the Brain Processes Future Rewards
An introduction to temporal discounting and why the brain systematically undervalues future benefits compared to present ones. Includes exercises for noticing this pattern in daily decisions.
The Emotional Weight of Spending
Examines how emotional states influence spending decisions and how emotional regulation intersects with financial behavior. Draws on affect regulation research and somatic markers in decision-making.
Identity, Narrative, and Financial Behavior
Explores how self-concept shapes financial habits. The stories we tell ourselves about money — "I am not good with money," "saving is for other people" — function as behavioral scripts. This module examines how narratives form and how they can shift.
Building Cues and Routines
Applies habit loop theory to saving behavior. Looks at how environmental design, trigger-based routines, and small rewards can support consistent saving without relying on sustained willpower.
Friction, Defaults, and Choice Architecture
How the structure of choices influences what we choose. Covers default effects, friction as a behavioral tool, and how to design your own financial environment to reduce cognitive load around saving.
Enrollment is straightforward
Fill in your details and you will receive access information by email. The program is entirely self-paced and accessible from any device.
If you have questions before enrolling, the contact page has everything you need to reach us.