muddmoney

Know where your money stands. Then tell it where to go.

A free 3-minute Scorecard, a $47 plan for your next 3 moves, and a 30-day system when you're ready. Built by two people who've run their own money this way since 2008.

Take your Scorecard

Our Scorecard is free.

An example Your Money Compass dashboard: one month's take-home, spending, savings rate and what's left, two spending categories against their targets, and net worth.

Your Money Compass · $47

There are 3 parts to building financial agency (running your money on purpose).

Awareness. Rhythm. Direction.

  • Awareness

    You know what you make and what you spend. Most people stop here.

  • Rhythm

    Once a month, you sit down with your Why: review the month by category, preview the next one, and check your progress. 30 to 60 minutes.

  • Direction

    You decide what you care about. Give some of the money to your goals, and watch them progress every month.

Most people try to skip one or more and run on sheer willpower instead, and it doesn't last.

Set up a rhythm and a direction and momentum happens naturally.

muddmoney Courses

  1. Start here
    Free · 3 minutesAwareness

    Big Picture Scorecard

    Where you stand, graded. Your income, spending, savings and debt in one picture.

    Take your Scorecard
    1. $47Awareness

      Your Money Compass

      See your full financial picture and choose your 3 next money moves.

      See the Compass →
    2. $247RhythmDirection

      Foundations: the 30-Day Challenge

      Build a budget, close out every month, and keep it going. 30 days. Backed by the Find Your $200 Guarantee.

      See Foundations →

Get your Scorecard. Find your Compass. Build your Foundation.

Prescriptions

Coming next

  • Freelance Finances

    Irregular income budgeting. Self-employment taxes. Building Runway on variable cash flow.

  • Money in Relationships

    Shared systems for shared lives. Navigating differences. Building together.

  • High Earner / High Spender

    Visibility at six figures. Lifestyle creep. Blind spots that scale with income.

  • Legacy

    Life insurance. Estate documents. 529s. Financial literacy for kids.

  • "Before, I thought W-4 were a set thing and now I am following up with HR to figure this out!"
    Compass student
  • "Before, I did not consider the order of steps to take to optimize my financials. Now, I have a clearer starting point, actionable steps and a specific goal to work towards."
    Compass student
  • "This made me more inspired to lock in and stay true to our budgets not out of habitual obligation but because of the joy of reaching our 'why'!"
    Compass student
Steven and Bethany side by side, smiling.
Steven & Bethany

Hey, we're Steven and Bethany.

We've used one system to run our own household, pay off debt, and buy 4 properties in one of the most expensive cities in the country.

18 years building a financial system that works in real life: as freelancers, as parents, as a one-income family in Los Angeles.

Bethany has managed 8- and 9-figure budgets for major nonprofits for over 15 years. Steven has spent two decades self-employed, building creative businesses and diversifying that income.

About 30–60 minutes. Once a month. For 18 years.

Not because we got lucky. Because we got organized.

This is the same system we use. Not a version of it. The same one.