Money Decision Engine: know if it’s safe to spend — in about a minute
A private web app that turns your numbers into one clear answer and a next step. No spreadsheets. No subscription. No bank login.
- Instant download
- Copy emailed to you
- No subscription
- Secure checkout via Stan
Because this is an instant digital download, all sales are final. If your file won't open or something's wrong, email chattlbm@gmail.com within 7 days and we'll make it right.
Sound familiar?
You’ve tracked the numbers. You’ve opened the banking app three times today. And you still don’t know whether that purchase is okay — or whether it will come back to bite you next week.
One clear answer
Safe to Spend, Limited Spend, or Hold Off — with the main reason in plain English.
A next step, not a chart
It tells you the one move that matters most right now, like building your safety buffer.
Private by design
Your numbers stay in your browser. No account, no bank connection, nothing to sync.
Works on any device
Open it in Chrome or Safari on your phone or computer and bookmark it.
What’s included
- Your private access link to the live Money Decision Engine web app
- A one-page START HERE guide (open in Chrome or Safari, bookmark, keep data in your browser)
- A short README
- A full tutorial of every page, plus a simple first-week flow
How it works
- Check out on Stan for $4.99 — it takes under a minute.
- Download your ZIP right away (a copy is also emailed to you) and open START HERE.pdf.
- Open your access link, enter your numbers, and read your verdict.
Questions, answered
What does the Money Decision Engine cost?
It’s a one-time $4.99. There is no subscription and nothing to renew.
Do I need to connect my bank account?
No. You type in your own numbers. There’s no bank login and no account to create — your data stays in your browser.
Does it work on my phone?
Yes. It runs in Chrome or Safari on phones, tablets and computers. Bookmark it after the first visit.
How do I get it after I pay?
You get an instant download on the checkout page and a confirmation email with the same files. Open START HERE.pdf for your access link.
Is this financial advice?
No. It’s a personal organization tool that helps you see your own numbers clearly. It isn’t financial advice.
Can I get a refund?
Because this is an instant digital download, all sales are final. If your file won't open or something's wrong, email chattlbm@gmail.com within 7 days and we'll make it right.
Money Decision Engine
Not sure if you can afford it? Get a clear “Safe to Spend” answer in about a minute.
$4.99 Get instant access →Questions? Email chattlbm@gmail.com with the subject “Money Decision Engine Help.”
Refund policy: Because this is an instant digital download, all sales are final. If your file won't open or something's wrong, email chattlbm@gmail.com within 7 days and we'll make it right.
Also $4.99: The Meltdown Rescue Bundle · Visit the Stan store · Browse the Etsy catalog