Why we created duodollar
We live in a world designed around spending and consumption.
From the moment we wake up, we’re bombarded with stimuli intended to separate us from our money. To be fair, some of that spending brings joy: a morning coffee that jumpstarts our day; a night out that strengthens relationships; home decor that offers comfort. Not inherently bad things.
But, in a world that makes spending so easy, saving money and accumulating wealth becomes a serious challenge.
Most of us aren’t taught how to manage money. We earn it, we spend it, and we hope what’s left will be enough.
Hope is not a plan.
That’s Why duodollar Exists
I built duodollar with a simple belief: money should be a tool to support the life you want, and enable you to make the decisions you want to make.
I believe financial wellness isn’t about cutting out every joy or budgeting yourself into misery. It’s about awareness, intentionality, and consistency. It's about freedom from living paycheck to paycheck, freedom to leave a job you’ve outgrown, freedom to take a break, freedom to say "yes".
With that in mind, there are a couple of principals and ideas that underpin every decision I've made in building duodollar.
Have I paid myself?
Most people pay their rent or mortgage.
They pay for groceries, streaming subscriptions, gym memberships.
They spot someone a drink, buy some new golf clubs, go on a vacation, and all of the things in between.
But how often do we stop and ask:
Did I pay myself this month?
Paying yourself isn’t a luxury. It’s a necessity. It means:
- Putting money toward an emergency fund...just in case
- Contributing to your future through retirement and/or investment accounts
- Giving yourself the margin to breathe when life gets tricky
duodollar is built to help you flip the script.
To prioritize the essentials...yes.
But also to make it easy and habitual to pay yourself first.
Before the spending. Before the lifestyle creep. Before it all slips through the cracks.
Money management is not complicated.
A lot of financial advice is made to feel complicated, often intentionally.
Jargon, buzzwords, confusing products, or strategies that feel inaccessible.
But the truth is: most people don’t need a complex strategy.
The simplest and most effective path to wealth is to retain a portion of our income each month (the more the better), and deploy it into a simple wealth building vehicle, such as a low cost index fund. We can let compound interest do the rest.
duodollar is here to shine a light on the things that actually move the needle, and help you take action without the overwhelm.
What duodollar Is (And Isn’t)
- We’re not here to judge your spending (we won’t scold you for lattes)
- We will never offer investment advisory services, credit card promotions / partnerships (these things don't exist to help you)
What we do believe in is giving you a clear, honest picture of your money, so you can make decisions with confidence.
Whether you’re just starting to get serious about your finances or already tracking every penny, duodollar is designed to support you with:
- Net worth, spending, income and cash flow tracking over time
- Smart zero-based budgeting tools
- Tools that help you plan your future, including major life events
A Service That Earns Its Keep
We want duodollar to be the kind of tool that gives more than it takes, enabling better decision making, more visibility, and less stress.
Our goal is for you to look back and say: "This was an investment, not an expense."
Let’s Build Something Better
This is just the beginning.
We’re here to grow with you, and our mission is simple:
Make managing money less intimidating, and a whole lot more empowering.
We hope duodollar becomes a tool you’ll come to trust and rely on.
We’re here for the long haul, and we’re so glad you’re here too.
Here’s to building something stronger, together.
- Jon