Overview
Financial Well-being Pathways pair you with a dedicated Pathway Specialist for four focused sessions to help you manage the anxiety, avoidance and shame that can show up around money. If your company has elected to offer Financial Well-being Pathways, you can get started in the Modern Health web or mobile app.
Note: Financial Well-being Pathways are only available if your company has elected to offer them. Contact your benefits team to check your access.
What are Financial Well-being Pathways?
Financial stress shows up in a lot of places -- your sleep, your relationships, your ability to focus at work. Financial Well-being Pathways are a structured care program inside Modern Health designed to help you understand where that stress comes from, build practical skills to manage it, and move forward.
Each Pathway is four sessions with a dedicated Pathway Specialist: a Modern Health provider hand-selected for their expertise in the behavioral and emotional side of money. Sessions are separate from your existing coaching or therapy sessions and do not count against your regular benefit allocation.
Note: Financial Well-being Pathways offer coaching-oriented support and do not include investment, tax, legal or CFP-level financial planning.
Who are Financial Well-being Pathways for?
Financial Well-being Pathways are for any employee who:
- Feels stressed, overwhelmed or embarrassed about their finances and doesn't know where to start
- Has tried budgeting apps or financial tools but still feels stuck or anxious
- Wants support navigating debt, spending habits or shared finances with a partner
- Is going through a major money transition and needs structured help to move forward
How to Get Started
You can begin a Financial Well-being Pathway via the Modern Health web or mobile app (iOS / Android).
Web App
- Log in to your account
- From the home screen, scroll down to Your Care Recommendation
- Select Work with a Pathway Specialist
- Browse available Financial Well-being Pathways and choose the one that fits your goal
Mobile App
- Open the Modern Health app on iOS app or Android app
- From the home screen, scroll down to Your Care Recommendation
- Select Work with a Pathway Specialist
- Browse available Financial Well-being Pathways and choose the one that fits your goal
What You'll Work On
There are six Financial Well-being Pathways to choose from, depending on what you're facing right now:
- Relieving Financial Stress -- Identify where your financial stress comes from, build skills to manage it in the moment, and create a step-by-step plan for a better financial future
- Improving Your Relationship With Money -- Explore how your past experiences shape your relationship with money, set boundaries that shift your patterns, and align your financial choices with what matters to you
- Building Meaningful Wealth -- Define what wealth means to you personally, identify the habits that support it, and work through the beliefs that get in the way
- Managing Money 101 -- Build awareness of the patterns behind your financial choices, develop a budgeting style that fits your real life, and create habits around spending and saving
- Meeting Money Goals Together -- Explore you and your partner's money stories, understand where your expectations differ, and build tools for financial communication and alignment
- Getting Free From Debt -- Take stock of your current debt situation, build skills to manage the emotional weight of debt, and find a payoff approach that supports long-term progress
Frequently Asked Questions
Do Financial Well-being Pathways use my coaching or therapy sessions? No. Sessions completed as part of a Pathway are separate from your employer-covered coaching or therapy sessions. They will not reduce your existing benefit allocation.
How long does it take to complete a Pathway? Each Pathway is four sessions. Most members complete a Pathway over four to eight weeks, depending on the schedule they set with their Pathway Specialist.
Can I bring a partner to sessions? Yes. The Meeting Money Goals Together Pathway is designed for you to attend with a partner if you choose.
What if I want to work on more than one Pathway? You can enroll in multiple Pathways, including at the same time. The number of Pathways available to you depends on the plan your company has selected.
Can I change my Pathway Specialist? Yes, before you begin your first session. If you have already started, you will need to end the current Pathway before starting again with a different provider.
Who are the Pathway Specialists? Pathway Specialists are Modern Health providers hand-selected from our network based on verified expertise in the behavioral and emotional side of money. They are a curated subset of providers, vetted above our standard coach matching criteria.
Need help? Contact Member Support at help@modernhealth.com or submit a request through the Knowledge Center.