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We create behavior-centric solutions that enhance people’s lives. 




Behavior Based

Financial  EDUCATION

Operating Principles


We build beneficial money management behavior into product and program design.

We pragmatically apply behavioral economics, cognitive behavior therapy (CBT), and trauma informed practice research.

We iterate based on our learnings.

We leverage vertical integration to produce the lowest cost financial products possible.

We demand pricing transparency.

No lead generation fees to CFR, so no conflict of interest.

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