SOLVENT
Awareness creates choice. Guilt and shame don’t.
Most budgeting apps assume the problem is information. It’s not. The problem is that looking at your money feels like an accusation — so you don’t look. Solvent is built on a different premise: change what the looking feels like, and the rest follows.
The pause is the point.
The teaching follows where you are, not what you pay. Debt courses while debt is the problem. Investing when you’re ready.
You pay for some of the tools. Never for the education.
FROM MY OWN NUMBERS
What would an investor do?
I was nearly out of aftershave. I’d researched the good one — $330 — and I had the cash. I was on my way out to buy it when that question struck me, so I went for a coffee instead.
The one I usually buy is $70. I rarely leave the house, so who was I smelling nice for? I could put the difference into shares, but nothing there was guaranteed to beat what my debt was costing me.
So the $260 went off the debt. The aftershave can wait until the bottle’s empty.