I don’t know where to start.
Step one is a free call. We start where you are.
The Headwater idea
Pay yourself first. Then spend the rest in peace.
Headwater flips the order: on payday, saving and investing go out first, automatically. Everything after that is yours to spend, guilt free.
Try it with a sample payday
Press and hold. Let go anytime.
Small is fine. A first pour of 5% is still a first pour.
How it works
Four steps. One at a time.
You learn, you open your own account, you practise, then you automate. I explain every step. You do each one yourself, so you stay in control.
- Step 1
Learn the basics
Markets, ETFs, risk and diversification, in plain words. No jargon, no pressure.
- Step 2
Open your account
Your Interactive Brokers application, ID and proof of address. I explain, you click. It stays your account.
- Step 3
Practise first
Paper trades with pretend money, so your first real order feels familiar.
- Step 4
Automate payday
Saving and investing leave on payday, before any spending. Then it runs without you.
Sound familiar?
You’re not behind. You’re at the start.
The app is so overwhelming.
We go through it together, screen by screen.
Nobody around me invests.
Now you have someone to ask. Every question is welcome.
I’m scared of losing money.
You practise with pretend money first, and risk is explained before you take any.
I feel like I started too late.
Starting is what counts. We plan for the years you have.
No judgment about debt, past mistakes or where you’re starting.
Honest prices
Clear prices. No surprises.
Start with a free call. If it’s a fit, book sessions one at a time. No package to buy, no contract.
We look at where you are and what you want. You leave with a first step, even if we stop there.
Book a free call- Online, by video call, wherever you live
- Your questions, at your pace
- Education only: every decision stays yours
Not ready to book yet?
Investing Starter Workbook
Pay-yourself-first sheet, Interactive Brokers opening checklist, plain-words glossary and a first-month plan, week by week.
Prices in USD. After we confirm, I send a secure payment link. FCFA or mobile money on request.
Your coach
Hi, I’m Sabatini.
Michel Sabatini Chevalier, MBA, PMP
For years I did what most of us were taught: pay the bills, spend, save what’s left. Usually, nothing was left.
What changed wasn’t my income. It was the order. Now, on payday, the first pour goes to me, automatically, into an account I opened and understand. Headwater is that system. It’s the one I use myself.
My career is in training and leadership development. I design programs, coach teams across countries, and turn complicated processes into steps people can actually follow. Headwater applies that to money.
How I coach
- Plain words. No jargon, no hype.
- Your pace. A 5% first pour still counts.
- Your account, your clicks. I explain. You decide.
- Long term. Diversify, stay consistent, let time work.
What I never do: manage your money, place trades for you, tell you what to buy, or promise overnight wealth.
You don’t need to know everything to begin. You need one first step.
Book a free call
FAQ
Your questions, answered.
Is this financial advice?
No. It’s education and coaching only. I explain how investing works, how to open and use your Interactive Brokers account and how to automate your budget. I don’t manage money, place trades or recommend specific investments. Every decision is yours.
I don’t have much money. Can I still start?
Yes. The habit matters more than the amount. A small first pour on payday is a real start, and we size it to your budget.
Is it too late for me?
No. People start in their 30s, 40s and later. We look at the years you have and build from there.
I’m not in the US. Can I join?
Yes. Headwater is built for beginners worldwide. Interactive Brokers is available in most countries, and in coaching we check the steps that apply where you live.
What happens on the free call?
You tell me where you are with money and what you want. I explain how coaching works and what a first step could look like. No pressure to book.
Why do I open the account myself?
Because it’s your money. I explain each screen, you do each click. That way you understand it and stay in control.
How do I pay?
After we confirm a session or the workbook, I send a secure payment link. Prices are in USD. Paying in FCFA or by mobile money is possible on request.
Your first step
Your first pour starts with one free call.
Tell me where you are. I reply by email to set a time.