I did the 2am card math too.
I've spent almost 20 years inside FinTech — from a credit union teller, to a Financial Services Rep sitting across from people trying to untangle their finances, to building the infrastructure that keeps today's financial platforms running. Along the way, I was also drowning in my own financial mess. The solution was learning the hard way what it costs to live on negative net interest, digging out of debt, and watching the number finally cross zero. I built this app because that mentor-in-your-pocket didn't exist when I needed it — something that meets you doing card math at 2am, at the register, or at the car lot. Something that asks "what will this really cost?" before you swipe. A tool that's actually on your side. Something you choose to keep using.