Evidence-based financial and wellness tools for whole-person freedom. Built by Coach Ivette — free for you.
See where your money goes — then give every dollar a purpose.
Drag the sliders to match your numbers — results update instantly
Housing, food, utilities, transport
Entertainment, dining, personal care
Emergency fund, retirement, debt payoff
Zero-based budgeting — give every dollar a job until you reach $0
Income minus all spending and saving = $0. Every dollar is assigned a purpose before the month begins. This doesn't mean you spend everything — it means every dollar has a job.
Life insurance is an act of love. These tools help you understand your needs — and Ivette is a licensed producer ready to help.
Find out if your family is adequately protected
Estimate how much coverage your family needs
Term life covers you for a set period (10, 20, or 30 years). It's typically the most affordable way to protect your family — ideal for income replacement during your working years.
Retirement is not just a number — it's a vision. These tools help you plan with clarity and confidence.
See how your money grows over time — updates instantly as you move the sliders
Invest 15% of income for retirement once you're debt-free.
A Roth IRA lets your money grow completely tax-free.
Divide 72 by your rate to find how fast your money doubles.
10 questions to check where you stand
Assets minus liabilities — your true financial picture
Everything you own minus everything you owe. Tracking it over time is one of the best measures of real financial progress.
Assets — What You Own
Liabilities — What You Owe
5 steps to start investing with confidence
Before investing, save 3–6 months of expenses. This protects your investments — you won't be forced to sell during a market downturn because of an unexpected expense.
If your employer offers a 401(k) match, contribute at least enough to get the full match. It's an instant 50–100% return — nothing beats it.
A Roth IRA lets your money grow tax-free. You can contribute up to $7,000/year ($8,000 if you're 50+). Start here before a taxable brokerage account.
Index funds track the whole market. They have low fees, broad diversification, and outperform most actively managed funds over the long term.
The biggest investing mistake is selling when the market drops. Time in the market beats timing the market — every single time. Set it, automate it, and leave it alone.
Debt carries emotional weight, not just financial. These tools help you build a clear, compassionate plan to become debt-free.
Pay smallest balance first, build momentum, become debt-free
Pay minimums on everything. Throw every extra dollar at the smallest debt. When it's paid off, roll that payment to the next. The momentum builds like a snowball.
Debt shame is real. Acknowledge it, name it, and release it. You are not your balance.
While paying off debt, pause new credit use. Every new charge undoes your progress.
Each paid-off debt deserves a celebration. It is a real milestone in your freedom journey.
See when your loans will be gone and how to accelerate it
If your payments feel impossible, federal income-driven repayment plans cap payments at 5–10% of discretionary income. Visit studentaid.gov to explore your options.
Financial stress and mental health are deeply connected. These tools support both sides of your wellbeing.
10 questions based on the clinically validated GAD-7 scale — for education only, not diagnosis
Reduce stress and anxiety in real time — used by therapists and Navy SEALs
Inhale 4 counts · Hold 4 counts · Exhale 4 counts · Hold 4 counts. This activates your parasympathetic nervous system, reducing cortisol and creating calm within minutes.
A 41-page coaching journal — Mindset · Habits · Money. The perfect companion to your wellness practice.
Download Free →Immediate help when you or someone you love needs support
Call or text 988 anytime, 24/7. Free, confidential support. You are not alone.
Text HOME to 741741. Free and confidential, 24/7.
1-800-950-6264 — Mon–Fri, 10am–10pm ET. Support and referrals for mental health concerns.
1-800-662-4357 — Free, confidential, 24/7 treatment referral and information service.
Call 1-800-799-7233 or text START to 88788. Available 24/7 in 200+ languages.
If you are struggling — financially, emotionally, or both — please reach out. Healing is possible. You deserve support, not judgment. These resources are here for you, and so am I.
Saving is about the habit, not just the amount. These tools help you find money you didn't know you had.
Over $40 billion in unclaimed property exists in the U.S. — let's find yours
Changed jobs? Search unclaimedretirementbenefits.com using your Social Security number to find forgotten retirement accounts.
Search all 50 states at once at missingmoney.com. Forgotten bank accounts, utility deposits, insurance payouts — any state may be holding your money.
The IRS holds billions in unclaimed refunds. You have 3 years from the due date to claim yours. Check at irs.gov/refunds.
📋 Your Money Finder Checklist
Set a goal, see your timeline, make it real
College costs rise every year. Starting early — even with small amounts — gives compound interest time to do the heavy lifting.
How much do you need to save monthly to meet your college goal?
529 plans grow tax-free and withdrawals for qualified education expenses are also tax-free.
Opening a 529 with $25/month at birth can grow to $10,000+ by college age.
529 funds can cover tuition, room, board, books, and even K-12 private school.
A will is one of the most loving things you can do for your family. It removes guesswork and conflict during their hardest moments.
Answer 8 questions to get your personalized recommendation
Track your progress on the essential documents every family needs