Free tools to start right now.
START HERE
Quick Start Guide
New to SpendFirst? This is your first move. I'll walk you through the three money movements and help you calculate your AmountLeft, in about 20 minutes, before the app even exists.
FIND YOUR APPROACH
Debt Personality Quiz
Answer a few questions and find the debt payoff approach that fits your situation. Debt isn't a moral failing. It's a decision you get to make on purpose.
SEE IT COMING
Plan My Year Ahead
The 12-month plan for everything that doesn't happen every month. Map every irregular expense you can see coming, so you know exactly how much to set aside per paycheck starting now.
PUT IT INTO PRACTICE
Your First SpendFirst Paycheck
Ready to put it into practice? This guide walks you through planning an actual paycheck using the SpendFirst method, step by step, with room to think, not just fill in blanks.
BEFORE THE NUMBERS
The MeaningFirst Method
Before you set another money goal, start here. The piece most plans skip: naming what your money is actually for, so the plan holds when life gets loud.
Want to do it with me, live?
The Paycheck Plan Workshop
On August 5, we'll plan your next paycheck together in 90 minutes and find the one number that tells you exactly where you stand. Real numbers, real time, and the replay is yours.
Set up your accounts the SpendFirst way.
SpendFirst runs on multiple accounts, one main checking for SpendFixed, a separate account for SpendFreely, and one or more savings accounts for your SpendFuture buckets. This isn't complicated, but it does require the right bank.
Here's the setup in three steps.
STEP 1:
Your main checking account:
Where your paycheck lands and SpendFixed bills are paid. This is the account you're probably already using. Nothing changes here except how you see it.
STEP 2:
A separate SpendFreely account:
A simple checking or debit account where you transfer your SpendFreely amount each payday. When it's funded, spend from it. When it's empty, you're done. No tracking needed.
STEP 3:
Named SpendFuture savings buckets:
One for each irregular expense you're planning ahead for. Car registration gets its own bucket. Holiday gifts get their own bucket. Each one grows a little every paycheck so nothing counts as a surprise.
The right bank makes this seamless. The wrong one makes it annoying enough to quit.
Not all banks make it easy to open multiple accounts, name savings buckets, and transfer between them for free. We've done the research so you don't have to.
What's Coming
SpendFirst App
Map your paychecks, see AmountLeft, and make every financial decision with clarity. Launching later this year.
SpendFirst: The Book
The complete methodology — every concept, every tool, every reason this works when everything else hasn't. Launching November 11, 2026.
Work with a SpendFirst Coach
Ready to go deeper? Work one-on one with a SpendFirst coach who knows the methodology inside out. The coaches directory open in 2027.