Money TermsBeta

Money on Your Terms

Design the life you want first. Then fund it.

Most money tools start by telling you what to cut. Money on Your Terms starts somewhere different: what kind of life are you trying to build?

With Ash, your personal AI money teacher, you'll price three versions of your life, build your own financial floor, strengthen yourself against setbacks, and create a money system that shows you what you can truly afford.

See how the method works

Start with a conversation. No spreadsheet required.

Ashyour Money Terms teacher
Educational content, not personal financial advice. To improve Money on Your Terms, chats are reviewed with names and emails removed. ·

From the method and our learners

“Freedom starts with room, not a raise.”

— Money on Your Terms

“Your bank balance should never be the one making decisions. Your tier should.”

— Money on Your Terms
★★★★★

“For the first time in seven years, I realized I can afford things — and I stopped looking at myself as poor.”

— The story behind Money on Your Terms

“Most budgets punish you for spending. This one rewards you for waiting.”

— Money on Your Terms

“The tiers design the life. The zero guards it.”

— Money on Your Terms
★★★★★

“For the first time in seven years, I realized I can afford things — and I stopped looking at myself as poor.”

— The story behind Money on Your Terms

“If budgeted, then it happens.”

— Money on Your Terms

“Raise the floor before you raise the lifestyle.”

— Money on Your Terms
★★★★★

“For the first time in seven years, I realized I can afford things — and I stopped looking at myself as poor.”

— The story behind Money on Your Terms

““I have the money” and “I can afford it” are not the same sentence.”

— Money on Your Terms

Your life. Your terms. Your system.

Five ideas, built with your own numbers, that turn “I have the money” into “I can afford it.”

  1. 01

    Design three lives

    Price Conservative, Moderate and Expanded versions of the life you actually want: what keeps life working, what makes a month good, and the month you'd design if money weren't the question.

  2. 02

    Set your zero

    The bank gave everyone the same zero. Create your own floor above it, protect it, and raise the floor before you raise the lifestyle.

  3. 03

    Build your runway

    See how many months of your Conservative life your floor could carry if income stopped, and watch that number grow.

  4. 04

    Give waiting a purpose

    What you choose not to spend rolls forward to something that matters. “I didn't spend $300” becomes “$300 closer to Italy.”

  5. 05

    Choose your month

    On the first of each month, decide which life you're funding. The tier decides, not your bank balance. If it's budgeted, it happens.

?Then, any time: “Can I afford it?” Ash answers from your system: the life you chose this month, your zero, your runway and your goals. Wait, trade, upgrade, or go ahead, with the numbers to back it.
Why a beaver?

Beavers don't wait for winter to find food. They store branches all season, and they raise their dam a little every year. That's the method: a store that keeps growing, and a floor that keeps rising.

Money on Your Terms

Your personal financial operating system

Start free with your Financial Snapshot. Then build the whole system with Ash.

Founding Member

Money on Your Terms

$99 for your first year

Build the financial system you'll actually understand and use, with Ash guiding you step by step.

  • Complete Money on Your Terms learning journey
  • Ash, your personal AI money teacher
  • Build your Three Lives: Conservative / Moderate / Expanded
  • Establish Your Own Zero
  • Calculate your Financial Runway
  • Build and track meaningful goals
  • Create your monthly Money Terms plan
  • “Can I Afford It?” decision support
  • My Money Terms dashboard
  • 12 months of Ash + My Money Terms access
  • Lifetime access to the core learning materials

Founding Member pricing. Includes 12 months of Ash + My Money Terms. Renews at $79/year unless canceled. Core course materials remain available.

Money on Your Terms + the founder

Private coaching

$139 1 hour
  • One-on-one session with the founder of Money on Your Terms
  • Walk through your own numbers
  • Set your three lives and your 12-month plan
  • Great for couples and debt plans

Sold separately. Not included in the membership.

Have a promo code? Enter it at checkout.

Join Money on Your Terms as a founding member and build your personal financial operating system with Ash.

Money Terms is in beta: Ash is still learning, and founding members' feedback shapes what comes next.