Peer Support

See how you compare

The Financial Literacy page shows where your income, spending, savings, debts and net worth land against published U.S. figures for people your age, in your part of the country.

Those figures come from federal surveys — the Federal Reserve's Survey of Consumer Finances, the Bureau of Labor Statistics' Consumer Expenditure Survey and the Census Bureau. Never from other users of this app, whose figures play no part in what you see.

Your year, as a story

Year in Review replays what changed over the last twelve months and ends with a share card you can post anywhere.

That card deliberately carries no currency amounts at all — percentages, counts, and words only — so sharing your progress never means publishing your balances.

Milestones worth marking

The Milestones wall on your Financial Snapshot is recomputed from your history every time you open it, so a first visit lights up everything your record already earned.

First month in the black, a debt cleared, an emergency fund fully funded — the things people actually want to tell someone about.

Nobody can see your data

None of the above exposes you. There are no public profiles, no usernames visible to other users, and nothing you enter is ever shown to another person.

If you do want someone to see your figures, that's a deliberate choice you make in Household Sharing — one named person, view-only, revocable at any time.

Search first

Almost every money question has been asked before, often hundreds of times, and the archived answers are usually better than what a fresh post attracts. Searching also shows you the vocabulary a community uses, which makes your own question land better if you still need to ask it.

Ask one thing, with numbers

One question per post gets a faster, clearer answer. Include the figures that change the answer — income range, balances, interest rates, your timeline — so people can respond to your situation instead of guessing at it.

Ranges are fine — "mid-forties, roughly half of it after tax" is plenty. You never need to be precise to get good advice.

Say what you've already tried

A title like "Snowball vs. avalanche on $18k across 4 cards?" draws far better replies than "Help with debt." Naming the options you're weighing tells people you've done the reading and moves the conversation straight to the part you're stuck on.

Crowd wisdom, not advice

Community members share personal experience, not professional guidance — and what worked for someone in a different country, tax system, or decade may not transfer. Treat replies as ideas to research, and see a licensed professional for decisions that genuinely matter.

Never share account details

No account numbers, sort codes, passwords, one-time codes, or full statements — not in a post, and not in a private message to someone who offers to "take a look". No legitimate helper on a public forum needs any of it.

Anyone who DMs you first is a problem

Post publicly and a scammer will message privately within the hour, offering a guaranteed return, credit repair, or a recovery service for money you've already lost. Real advice happens in the open thread where others can correct it. Treat every unsolicited DM as a scam until proven otherwise — that's the correct base rate, not cynicism.

Watch for the sales pitch

Referral links, "financial coaches" recruiting clients, whole-life insurance sold as an investment, and anyone confidently promising a specific return are the recurring ones. If a reply ends with something to buy, weigh it as marketing.

Keep your identity separate

Use an account not tied to your real name, and avoid combinations that identify you — employer plus salary plus city is plenty. Anonymity gets you more honest answers anyway, because you can describe your situation without editing it for people who know you.