1. The Betrayal of Value (UMP)
Subscription budgeting apps trap you with low entry prices… then quietly hike them to $99–$120/year.
They glitch, they stop syncing, and they leave you with more anxiety than clarity.
SimplePlanners is a one-time purchase you own forever.
No fees.
No price hikes.
No data harvesting.
2. The Data Integrity Locksmith (UMS)
Free spreadsheets and DIY templates always break.
Formulas fail. Numbers go wrong.
You restart from scratch — again.
The Financial Clarity Blueprint™ is engineered with protected, verified formulas that cannot break.
Nothing to fix, nothing to repair, nothing to rebuild.
3. Mental Accounting Built Into the Structure
Your brain understands money best when it’s organized into clear “mental buckets.”
Apps don’t do this right — spreadsheets are too manual.
Our system does it automatically.
Clarity becomes effortless.
Decision fatigue disappears.