It answers at 2 AM. It remembers your last conversation. It speaks in my voice because I wrote every word of its training. The only people who get real financial counseling shouldn't be the ones who can afford $200 an hour. So this is $9.99 a month.
I was 22, making $40K, and I had no idea what to do with a paycheck.
I took my first offer without negotiating — left $15K on the table because nobody told me I could ask. Every finance app I tried talked to me like I was either stupid or broke. Every article assumed I had a 401k match I didn't have, a spouse I didn't have, or a financial advisor I couldn't afford. The people on TikTok sounded confident and wrong.
I figured it out the hard way. Got the credential. Started counseling clients 1:1. Realized I was charging $200 an hour and only helping people who could pay that.
This is what I wish I'd had at 22. Available to everyone.
After years of counseling, I've found these are the ones that actually matter. In this order.
Before spreadsheets, before budgets — what does a Tuesday in your actual life look like? Where do you live? Who's there? Most of my clients can't answer this. That's the first thing we fix.
At 23, cutting lattes won't change your life. Moving from $55K to $85K will. I'll talk to you about real income moves — job switches, negotiation, the skills that compound. This is where I made my own money, and it's underrated.
The scripts your parents passed down. The shame you inherited. The weird guilt about spending or the weirder guilt about wanting more. This is the work most finance content refuses to do. I won't refuse.
Every prompt, every framework, every way of handling a hard question — I wrote it. Trained on my blog, my counseling sessions, the frameworks I've developed over a decade.
If you've read my writing, this will feel familiar. If you haven't — now you know what you're getting.
Okay first — my first job paid $40K and I took it without negotiating. Left $15K on the table because nobody told me I could ask. So I have feelings about this.
Two questions before I answer yours.
One: is your friend's role actually the same, or just similarly titled? A software engineer at a Series B startup and one at a FAANG are different jobs with different comp ceilings. Not comparable just because the title matches.
Two: have you signed yet? Because here's the thing — you haven't signed. Which means you have the single best negotiating window you'll ever have with this employer.
Tell me more about the role, the process, and how you got to the offer. I'll tell you whether $72K is fair and what to say to get more.
These are the pieces that shape everything the AI tells you. Read any one of them and you'll know whether I'm the person you want in your corner.
For a decade the personal finance industry has pointed young people at the wrong side of the equation. Here's the case for focusing on earning, not spending — and what that actually looks like in practice.
The difference between counseling and advice isn't semantic — it's legal, and it changes what you can actually do for people. A short essay on why I chose the harder-to-explain side of the fence.
I worked at a 90-year-old nonprofit that doesn't take money from the companies it reviews. That year rewired how I think about every product I touch. Including this one.
The story I tell most, because it keeps happening to 22-year-olds. What I should have said in the negotiation, written as a script you can steal.
The exact moment I realized my grocery-store math wasn't normal — and how long it took to unlearn. Some things a spreadsheet can't reach.
The exercise I run at the start of every 1:1 session. Before budgets, before spreadsheets. Where do you actually live, and who's there?
For the questions that come up constantly. Negotiating an offer. First paycheck panic. Whether to pay off student loans faster. The money fight with your partner. 24/7, in my voice.
Try free for 7 days →For the moments that deserve a human. Big inheritance. Career pivot with dependents. Debt that feels unsurvivable. Couples work. The AI will tell you when to book me.
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