Master Your Money
Like Duolingo, but for Master Your Money. Tomo turns the whole topic into a game you play five minutes a day, until it actually sticks.
For the part of you with thirty open tabs that never became anything.
Free forever · No credit card · iPhone & Android
Key ideas in Master Your Money
- Planned expenses are conscious, recurring commitments
- Bank statements reveal actual priorities over intended ones
- Phantom spending consists of small, impulsive, or mindless transactions
- Categorization helps distinguish between needs, habits, and waste
- The difference between phantom spending and planned expenses
- Categorizing spending to reveal actual priorities
- Identifying the gap between perceived and actual spending
- Identifying expenses that bring zero actual value
- Auditing requires looking at past data, not future guesses
- Comparison reveals the gap between intention and reality
- Small daily costs aggregate into large annual sums
- Mindless spending exerts more pressure on long-term goals than major bills
- The process of auditing a bank statement for hidden spending
- Recognizing the cumulative pressure of small purchases
- Bank statements are objective records of behavior
- Spending is the ultimate indicator of what we prioritize
You've tried the other tabs
Thirty open tabs. Four facts you actually kept.
You watched. You nodded. By Sunday it was gone.
One answer, then back to scrolling.
Eight weeks. You meant to finish. You didn't.
Tomo gives Master Your Money the Duolingo treatment: levels, streaks, and quick quizzes that test what you just learned. That game loop is what the tabs above never had, so it's the one you actually finish.
Here's what playing it feels like
A real question from this course. Take your best guess.
If you want to see what you truly care about most, where should you look?
Get it right to open this lesson and 87 more in the app.
Where Master Your Money takes you
Stop wondering where your paycheck went and start telling it where to go. Learn how to build a spending plan that actually fits your life and helps you reach your goals without the stress.
- 1
Stop the Money Leaks
- Finding your hidden spending
- The quick win: cutting small recurring costs
- Setting up your first weekly spending limit
- Using apps to track every cent
- 2
Make Your Plan Work
- The 50/30/20 rule explained
- The cash envelope system for beginners
- Digital envelopes: using sub-accounts
- Planning for bills before they arrive
- Giving every dollar a specific job
- Budgeting for fun without the guilt
- 3
Handle Life's Surprises
- Building your first emergency cushion
- Dealing with car repairs and medical bills
- The difference between a want and a need
- 4
Crush Your Debt and Grow
- Choosing between the snowball and avalanche methods
- Negotiating lower interest rates
- Saving for big goals like a house or car
- Automating your savings so you don't forget
- How credit scores really work
- 5
The Science of Spending
- Why our brains love to impulse buy
- How marketing tricks you into spending more
- The long-term power of compound interest
- Inflation and your buying power
5 sections · 22 units · 88 levels. Built to play, not to enroll.
You pick the voice
Master Your Money is taught in the Explain Like I'm 5 style: no big words. promise.. Want a different feel? In the app you can spin up the same topic in any of Tomo's teaching styles. Same facts, totally different vibe.
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Start Master Your Money today.
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