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We're a team of passionate thinkers and doers, dedicated to building with purpose and clarity. Collaboration and curiosity drive everything we do.
1. Americans are drowning in debt
Total U.S. household debt has reached about $18.8 trillion.
“Americans are carrying nearly $19 trillion in household debt. The problem isn’t just earning more — it’s knowing how to manage what you already have.”
2. A $400 emergency can break millions of Americans
Only 63% of adults say they could cover a $400 emergency expense using cash or its equivalent.
“For millions of Americans, a $400 emergency isn’t an inconvenience — it’s a financial crisis.”
3. Nearly half of Americans don’t have a 3-month safety net
Only 55% of adults report having enough emergency savings to cover three months of expenses.
“A financial emergency shouldn’t become a financial disaster — yet millions of households lack a basic safety net.”
4. Credit card debt is at record levels
U.S. credit card balances have climbed to roughly $1.2+ trillion, an all-time high.
“Credit cards were designed as a tool. For millions of Americans, they have become a source of financial stress.”
5. Most Americans are not financially free
The Federal Reserve found that while 73% of adults reported they were doing okay financially or living comfortably, 27% were either just getting by or struggling financially.
“Millions of Americans aren’t failing — they’re simply operating without a plan.”
Lifestyle & spending
The average American household spends thousands of dollars per year on expenses they often don’t track closely.
Many people know their income, but not their true monthly spending number — one of the biggest problems a spending audit solves.
“You can’t fix what you don’t measure.”
Financial literacy problem
A huge percentage of Americans graduate high school without ever learning:
How taxes work
How credit scores work
How to budget
How investing actually works
How to eliminate debt strategically
“Most people were taught how to make money — but not how to manage it.”
$18.8 TRILLION
Amount of U.S. household debt
$1.2+ TRILLION
Credit card balances in America
37%
Of adults would not be able to fully cover a $400 emergency with cash or equivalent
45%
Of adults do not report having a 3-month emergency fund