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Hey again {{First Name}},

I have so much more respect for people who build businesses on the side. Building the Mouni App is exhausting sometimes. I feel like I have to learn something new every day: APIs, sales funnels, CORS, and about a hundred other acronyms I didn't know existed a few years ago.

I genuinely enjoy learning, so a lot of it is fun. But there are days when I wish I could hand the whole thing to someone else and say, “Here. You figure this out.” That feeling gets stronger when work, family, a new baby, and normal life are all competing for my attention.

I think money can feel a lot like that. Maybe you open one of my emails every once in a while and think, Okay, I really should do something about this. You play around with your budget, think about finally opening that Roth IRA, or tell yourself you're going to make a plan for your debt. Then life happens. Work gets busy, someone gets sick, the car needs something, you get tired, and Netflix sounds better than comparing interest rates. A few weeks later, you're thinking about the exact same financial task all over again.

The strange thing is that you probably already know quite a bit about what you're “supposed” to do with money. Spend less than you make. Save for emergencies. Pay down expensive debt. Invest for the future. Don't buy things you can't afford. None of that is particularly groundbreaking.

There are also parts of your financial life that you genuinely can hand off to someone else. That's why financial advisors, planners, CPAs, bookkeepers, and fund managers exist. But there are other parts that can't really be outsourced. Your habits, your priorities, the way you respond when money feels stressful, and the systems you build around your finances still require your involvement.

Sometimes I catch myself wondering why I keep writing about the same basic financial action items. How many times can I tell people to make a budget (a mouni.app budget)? How many emails can I write about paying off debt? How many different ways can I tell someone to automate their savings? Then I remember that there are plenty of things in my own life that I understand perfectly well and still struggle to do consistently. You should see how many times I've restarted a workout routine.

Knowing and doing are two very different things. I’m reminded of this in my therapy practice as well. All the information exists in the world for people to make change, yet they still show up in my office week after week looking for something they’re missing.

We tend to assume that if we haven't followed through on something, we must need more discipline, more motivation, a better spreadsheet, another podcast, or another book. But sometimes the problem is simpler: the next step still takes too much mental energy.

When something feels complicated, emotionally uncomfortable, or like it's going to require two hours and twelve browser tabs, it's incredibly easy to push it to another day. Especially when you're already carrying work, relationships, kids, appointments, bills, and everything else life throws at you. It doesn't necessarily mean you don't care. Sometimes the system around the task is just asking too much of you.

That's why I'm increasingly interested in building tools that don't just teach you what to do with money. I want them to help you actually do the thing. Give you a starting point, reduce the number of decisions you have to make, and turn something vague like “I really need to deal with my debt” into something concrete like, “Here's the order. Here's what happens if I pay this much. Here's my next step.”

That's a much easier place to move from.

Debt payoff is the #1 thing people I work with request help on. If paying off debt has been one of those things sitting in the back of your mind, I built something specifically to make that next step easier.

My new standalone Debt Payoff Plan lets you enter your debts, compare the Snowball and Avalanche strategies, and see what your payoff could actually look like. You don't need an account to see your results, there's no shame attached to how much debt you enter, and you don't have to sit in front of a blank spreadsheet trying to figure out where to start. If you’re already on mouni.app, you already have access to this tool and all of my other tools. I wanted to make this to help anyone with a debt payoff plan, even if they never enter into my app’s interface. I really want to bring as much value as I can to people for their financial journeys.

The goal isn't to fix your entire financial life in one sitting. It's just to make the next decision clearer.

Until Next Time,

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