Rewriting Financial Habits Through Behavioral Science
Where traditional budgeting meets cutting-edge psychology research
Most people fail at budgeting because they're fighting against their own psychology. We've spent six years studying why smart people make terrible financial decisions, and what we discovered changed everything we thought we knew about money management.
The Calgary Study That Changed Everything
Back in 2019, we started tracking 847 people who had tried traditional budgeting apps and failed. What we found wasn't what anyone expected. The problem wasn't math or willpower—it was timing, emotional triggers, and something we call "financial friction points."
People weren't bad at budgeting. They were unconsciously sabotaging systems that ignored basic human psychology. Traditional methods assumed everyone thinks about money the same way. They don't.
The Three-Layer Method
Instead of forcing you into rigid categories, we work with your brain's natural decision-making patterns. Here's how we do it differently.
Emotional Mapping
We identify your specific money triggers—those moments when logic goes out the window. Maybe it's stress shopping or guilt spending. Everyone has different patterns.
Friction Engineering
We strategically add tiny delays and decision points exactly where your brain needs them most. Small changes that redirect impulses without feeling restrictive.
Micro-Habit Stacking
Instead of massive lifestyle changes, we attach tiny financial habits to things you already do. Like checking your balance every time you make coffee.
Built by People Who Get It
Our team combines academic research with real-world experience. We're not just theorists—we're people who struggled with traditional budgeting methods and decided to find better solutions.
- PhD-level research in behavioral economics and decision psychology
- Six years of longitudinal studies with Canadian households
- Partnership with University of Calgary's Behavioral Finance Lab
- Real-world testing with over 2,400 individuals since 2022
- Continuous methodology refinement based on user feedback
- Focus on sustainable habit formation rather than quick fixes
Miranda Chen
Behavioral Finance Researcher
Former investment advisor who noticed clients' biggest challenges weren't market-related—they were psychological. Now focuses on bridging the gap between financial theory and human behavior.