Our collective relationship with finance is broken.

Far too many individuals can't control their finances.

On the contrary, their finances seem to control them. 


Although finance serves as a technology and a language designed to enable the creative, the problem solving, and the various causes of our human spirit. Finance has also been used as a force to suppress individuals and perpetuate a status - quo of unnecessary suffering. 

Personal Finance is a shackle for far too many people, even people who are making lots of money. The shear confusion from financial noise, “guru recipes”, and nonsense financial "advice"  has generated the perpetuation of this suffering, and more notably, a limitation of our human potential in expressing itself. 

A basic and common financial understanding and context is essentially non-existent in most all people's lives, i.e. people are playing a game, but they do not understand the rules. This has lead to the rise of an extremely noisy marketplace for financial information, which continues to perpetuate the confusion, and places the burden of finding a clear path to a simple personal financial approach on the ever confused and exhausted individual. 

Further perpetuating this paradigm are profit-hungry corporations who emphasize returns over the quality and fiduciary they owe their customers. Resulting in a long list of shitty product & service options for the individual.

Let’s zoom out for a moment, and look at the bigger picture.

Illustrating the economic reality we live in are the following facts:

  • U.S. companies raked in a record $2.3 trillion in corporate profits last year, while the country's total wealth increased by $6 trillion to $98.2 trillion (40% of which went to those with wealth over $100,000).

  • 44% of Americans don’t have enough cash to cover a $400 emergency.

  • Two-thirds of Americans would struggle to come up with $1,000 in an emergency.

  • Just 46% of Americans have a rainy day fund.

  • 33% of American adults have $0 saved for retirement = 1 in 3 Americans has $0 saved for retirement!

  • 44,000,000 Americans have student loans.

  • Americans as a whole owe more than $1.5 trillion in educational debt.

  • 43% of student loan borrowers are not making regular payments.

  • Almost half of student loan holders express concern about their ability to pay off their student debt.

  • 38% of U.S. households have credit card debt.

  • There are 1.9 billion open credit cards in the U.S.

  • About 77 million Americans, or 35 percent of adults with a credit file, have debt in collections reported in their credit files.

  • Only 18% of Americans actively contribute to an IRA.

  • 28% of people over 55 have $0 retirement savings.

  • An estimated 1/2 of Americans live paycheck to paycheck.

  • 56% of Americans say Money is their #1 source of stress (ranking higher than health, family, and work).

  • Household debt currently stands at 14 Trillion (mtg yes, but cc and auto debt is growing and so are delinquencies).

  • The gap between the “haves” and the “have-nots” continues to grow with no end/ solution in sight. Estimates show that the top 0.1% of taxpayers—about 170,000 families in a country of 330 million people—control more than 20% of America’s wealth, the highest share since 1929. The top 1% control 39% of U.S. wealth, and the bottom 90% have only 26%. The bottom 80% have only 8%-10%. The bottom half of Americans combined have a negative net worth. Over 15% of Americans live below the poverty line.

    * Sources

Personal Finance thinking is medieval. There is an epidemic failure within the system in understanding what is really happening, and how to address the problem. This leads people to completely misjudge their financial decisions and behaviors.

Most people do not have the access to clear, direct, and actionable personal-financial information (context) & control capabilities/resources (tooling/technology).

Still trying to understand “What is the problem???” 


“It’s an unfair game.”

We're here to change that.

Starting with Context for Personal Finance.