What Is This?
The Money Reset (4 Accounts) is a clarity-first financial framework that analyses your current account balances, debt load, and risk profile to produce a personalised allocation plan across four core accounts: checking, savings, investment, and retirement — delivered as a PDF to WhatsApp.
Why It Exists
Financial anxiety is often not about lack of money — it's about disorganisation. Multiple accounts, mixed-up purposes, and no clear allocation system create a constant low-level stress that affects decision-making across every domain. This tool instals clarity in one session.
Who It's For
- ▸People who feel financially messy despite decent income
- ▸Individuals who don't know their actual financial position because their accounts are disorganised
- ▸Anyone with ADHD who wants a simple, actionable financial structure without the complexity of traditional financial planning
How It Works
You input balances across four account types, plus credit card, loan, and mortgage debt. You set risk tolerance, emergency fund target (months), investment horizon, and whether to prioritise accelerated debt payoff. The algorithm calculates optimal allocation and returns a prioritised action list.
You get:
- ▸Recommended fund allocations across all four account types
- ▸A prioritised list of next actions (e.g., "Transfer £X to Emergency Fund")
- ▸Debt elimination sequencing
- ▸A clear picture of your financial position in one document
What Makes It Different
Four accounts. One decision session. All processing is client-side — your financial data never leaves your device.
