The System Wasn't Built For You. But You Can
Still Win.

Predatory lenders. Credit Fraps, Financial wrapped in corporate language. You weren’t supposed to figure it out-until now.

Im Joel, I decode the rules and hand them to you. No fluff. No gurus, Just Facts, strategy and receipts.

If You've Been Denied, Ignored, Or Shamed About Money-It's Not Your Fault.

They don’t teach financial freedom in school. They shame you for bad credit but never explain how the game actually works, You’re not behind-you’ve just been lied to. I’ve been there.

That’s why I build this.

Meet Your Guide

Im Joel-Financial Strategist, Credit Rebel, and Founder of Money Codez.

This isn’t a hustle course. It’s a movement. I created this platform for people who are tired of asking for permission to build wealth.

This is your financial awakening-
designed to liberate, educate, and empower you to never depend on the system again.

What You'll Unlock Inside VIP

Join for $27/month. Cancel anytime. But let’s be honest-you won’t want to.

The Ultimate MCM Defense Kit

How to beat Midland Credit Management, and other shady debt collectors using real legal leverage. Letters, language, and strategy. $50 value-yours included.

Fight Back Against Debt Collectors (3-Part Masterclass)

Learn how to turn the tables with the FDCPA, FCRA, and tactical litigation. Includes case studies on how we sued collectors and won. Yes, won.

Upcoming Trainings & Webinars

Get early access to deep-dive workshops on business funding, high-limit cards, and homebuying strategy. Your membership isn’t just access—it’s an evolution.

What You Get When You Join (For Free):

What You Unlock As VIP ($27/mo):

3-Step Plan

Here’s How We Break the Cycle:

The Longer You Wait,
The Deeper They Win.

The system is counting on your silence. Every delay means more missed money, more credit blocks, more control in their hands—not yours.

But you’re here now.
And that means the clock just started for them.

Social Proof. Real Receipts

Still on the Fence?
Watch Me Break It All Down on YouTube.

I give away more game for free than most people charge for. Watch a few videos. Feel the fire. Then come join the movement.

Ready to Stop Surviving and Start
Moving Like You Own the Place?

It’s $27 a month. That’s less than your overdraft fee.
It’s time to stop renting information and start owning power.