One chapter ahead AJ Ellis
The tool

My Money: the tracker I built to stop avoiding.

A simple, phone-friendly money tracker I made with AI. It isn’t fancy. It’s mine, and it’s helping me get unstuck.

[Phone screenshot of My Money]
What it does

Everything I was avoiding, in one calm place

This month at a glance

Income versus spending, the net total, and where the money actually went.

Bank and cards, side by side

Each account on its own, then all of them combined.

Import, don’t type

Upload your bank’s download and it learns your categories as you go.

Fixed, unexpected or everyday

Tag spending so the surprises stop being surprises.

Our future picture

Income, living costs and savings at retirement, for both of us, not just me.

Questions to ask

A running list of what I need answered, ready for my financial advisor.

My weekly rhythm

How I use it each week

About twenty minutes, once a week. The order matters: calm first, numbers second.

  1. 1
    Settle firstA few slow breaths and a reminder: this is information, not a verdict.
  2. 2
    Bring the week inDownload from the bank, import, done.
  3. 3
    Sort what’s newGive anything unfamiliar a category. It remembers next time.
  4. 4
    Notice one thingJust one. Write it down, or add it to the questions list.
[Photo or screenshot: the future picture]
When the numbers fall short

The tool doesn’t fix the gap. It shows it.

That’s the hard part, and the important part. Once you can see a shortfall clearly, you can take it to a financial advisor, ask real questions, and start thinking differently about what the next chapter of work could look like.

What the experts say

Freely shared

I’m not selling this. As it settles, I’ll share how I built it and how I use it, so you can make your own. Join the list and I’ll let you know when it’s ready.

Let me know when it’s ready

I’m not a financial advisor, and this isn’t investment advice. My Money helps you see your own numbers; decisions about them belong with you and a qualified professional.