Every financial institution is betting you won't start until your 30s. M4L-C is built for the rare few who understand that wealth is made in the years everyone else is waiting.
College is a critical time to learn this discipline. For most, it's the first time you've left home and are responsible for yourself. Ironically, you're in college learning about the path you'll use to make money — and yet you're not learning about your own money habits and behaviors.
Saving is your first allocation, not your last. If you're not saving, you're moving backwards. Every paycheck, every time, no exceptions.
Nobody in the world who makes and manages money responsibly does it without a budget. Not a business. Not a person. No one.
Once you master this, you can learn about investing and increasing your income — but those won't do you any good without this core discipline.
Every purchase gets a moment of reflection. Not guilt — awareness. Understanding where your money goes is the foundation of controlling where it grows.
M4L-C is built around four core actions that, done consistently, change your financial trajectory forever.
Set savings goals and move money into them before you spend a dollar. Pay yourself first — every single time.
Log every transaction — income, spending, and saving. Takes 10 seconds. Builds the awareness muscle that changes everything.
Set category budgets so you know where money should go before it's gone. See exactly where you stand in real time.
Every purchase gets a moment. Not guilt — just awareness. Over time, this single habit saves more than any app feature ever could.
Our only revenue is your subscription. We don't sell your data, we don't show you ads, and we don't build profiles from your spending. Your financial information is encrypted, isolated to your account, and never shared with anyone.
Your data is encrypted at rest and locked to your account. Row-level security means no one — not even other users — can see your information.
We will never sell, share, or monetize your financial data. It's in our Terms of Service — your information is off limits. Period.
Free apps sell your data to make money. Our $7/month subscription means we work for you — not advertisers. That's the whole business model.
Savings isn't what's left over — it's the first thing you move. Every paycheck, every time, no exceptions.
$50 saved at 19 is worth more than $500 saved at 30. We show you the math — and make the habit effortless.
M4L-C is just the beginning. The habits you build here follow you through every life stage.
Subscription-funded means we work for you, not advertisers. Your financial life is never sold, shared, or monetized.
Professional, Family, Retirement — the habits you build here scale with you through every stage.
Sign up in 30 seconds. No complicated setup, no bank connections, no apps to download. Just sign in and start building the financial habits that last a lifetime.
Sign in with Google — one click, no passwords to remember. Your 14-day free trial starts immediately.
Tell us your income, set your first savings goal, and pick your budget categories. Takes 2 minutes.
Log your first transaction, watch your dashboard come alive, and start the habits that change everything.
Same full experience for everyone. If you're in college, you get the student rate — just sign up with your .edu email.
$7/month is less than one coffee run for a lifetime of financial discipline.
No bank connections. No ads. No data selling. Just you and your money habits.
M4L-C is the college chapter. The system grows with you through every stage of your financial life.
Every day you wait is a day of compound growth you'll never get back. The best time to start was yesterday. The second best time is right now.