We create tools that empower people to stay out of debt by helping them determine if what they want is worth working for, and then share ways to help them earn more, for the things the really want.
75% of American families live paycheck to paycheck and 25% have no savings at all
We are Fam-ess
which means that we believe family should come first;
you should earn always, save often and spend wisely.
But that is not always easy to do.
So, we create tools for use at home, and in schools, that help users translate the price of their wants into the effort required to earn them. Helping them understand the impact of their buying decisions on their finances, before falling into debt.
But it isn’t necessarily their fault. We are typically not taught personal finance or money discipline until it is too late.