Our Story
“It's your money. Make a plan that's going to work for you.”
One sentence, said at thousands of kitchen tables over more than a decade. Everything else — the method, the book, this app — is supporting evidence.
This didn't start as an app
Your Money Plan started in living rooms and at kitchen tables — fifteen to twenty couples a week, for more than a decade. The practical and emotional work of helping families build a money plan they could actually live with. Thousands of households. Every framework in this app was tested at someone's kitchen table long before it became software.
The coach behind the method has never advertised, never spoken from a stage, never started a YouTube channel. The work, as he understands it, is quiet work: nobody tells anyone how to live. The job is to hold up a mirror a family hasn't yet been able to hold up themselves — and let them decide what to do next. Most people aren't bad with money. They're just not looking at it. The plan is how you start looking.
For years the system lived in a spreadsheet. It worked — when people used it. But after watching one family too many fail at the spreadsheet because the spreadsheet was tedious, the coach teamed up with a technologist. We turned a decade of kitchen-table coaching into the app you're looking at now — and wrote the whole method down in a book along the way.
What we believe
Six ideas, learned the slow way — one family at a time.
A plan, not a budget
The word "budget" makes most people flinch — and they’re right to flinch. A budget polices your present. A plan is a future you’re walking toward on purpose.
Every dollar gets a name
Income minus everything you’ve planned should equal zero. Unassigned money doesn’t wait patiently — it becomes an 11 p.m. impulse order. Give every dollar a job before the month begins.
One-off expenses aren’t one-off
Holidays, camp, insurance, back-to-school — they happen every single year. List them, total them, divide by twelve, set it aside monthly. An expense is only an emergency when your plan forgot it was coming.
The fence around the roof
Nobody lets kids play on a roof without a fence. Put up a fence, and they can run freely. That’s what a plan is — not a restriction, but the thing that makes the playing possible.
Spend on purpose, not less
We’re not anti-spending. We’re anti-fog. The goal was never a smaller life — it’s seeing your money clearly, deciding what matters, and enjoying what you planned for without the guilt.
You participate
The app doesn’t link to your bank account — on purpose. Logging an expense is the moment that changes behavior. Automate that moment away and nothing changes. The plan works because you’re in it.
From the families who lived it
“He didn’t tell me what to do. He showed me what I was already doing. That changed everything.”
“We came in fighting about money. We came out planning together. The plan was the easy part. The conversation was the gift.”
“I expected to be lectured. Instead I felt like an adult talking to another adult.”
The Book
Stop surviving your money.
Start designing your life.
We wrote the whole method down — the kitchen-table stories, the annual expense layer, the zero-based plan, the fence around the roof. No jargon, no lectures, no guru on a stage.
The book is the book. The app is for when you're ready. You can do everything in it with paper and a calculator — the app just makes it hard to quit.
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