Your whole financial life.
One smarter plan.
Goldie helps you make better decisions about earning, saving, spending, debt, investing, business, retirement, and the big life choices that affect your money.
$49 one-time for the founding beta. No subscription.
Your Goldie Plan
SampleTop opportunities
Unused employer match
Contributions stop short of the full match, leaving employer money behind each year.
High-rate card balance
A 24.9% APR balance is costing more than any current investment is likely to return.
Side business structure
Business income is taxed as a sole proprietorship; an S-corp election may fit at this revenue.
Illustrative example using fictional data.
People do not need another budgeting app.
They need help figuring out what to do next.
Every financial decision touches the others
Paying down debt competes with investing. Buying a home changes what you can retire on. Starting a business changes your taxes, your risk, and how much cash you need on hand. Judged one at a time, each answer looks reasonable. Together, they can quietly work against each other.
So people piece it together
A calculator here. A Google search there. A confident stranger on social media. A spreadsheet that made sense last year. A CPA who sees the taxes but not the goals, and an advisor who sees the portfolio but not the business. Nobody is looking at the whole thing at once.
Goldie starts from the whole picture — then tells you which move matters most, and what to do first.
One plan, across every part of your money
Goldie works across the decisions that actually move your financial life — not just the ones that fit in a spending category.
Earn more
Raises, offers, rates, and the value of your time.
Build businesses
Side income and business decisions, tested against the rest of your money.
Save
How much, where it should sit, and what it is actually for.
Spend smarter
Where spending is buying you something and where it quietly is not.
Pay down debt
Which balance to attack first, and what it costs to wait.
Invest
Allocation, accounts, and sequencing — in plain language.
Plan retirement
What you are on track for, and what would change it.
Make major purchases
Homes, cars, weddings, tuition — before you commit.
Reach financial independence
The number, the timeline, and the levers that move both.
Make life decisions
Moves, career changes, and family choices with real financial weight.
Four steps to a plan you can act on
No dashboards to maintain. No categories to tag. A conversation, then a plan.
Tell Goldie about your financial life
A guided interview covering income, spending, debt, savings, investments, goals, and the decisions currently on your mind.
Goldie identifies your highest-impact opportunities
Goldie looks at the whole picture at once and finds where the meaningful money is — not the rounding errors.
Get a prioritized personalized Goldie Plan
Ranked recommendations with estimated impact, concrete next steps, and a sequence that makes sense for your situation.
Ask follow-up questions and keep refining
Circumstances change. Ask Goldie what a raise, a move, or a new goal does to the plan, and adjust.
What you actually receive
A worked example built from fictional data, showing the structure of every Goldie Plan.
Goldie Plan · v1
Sample household
Two incomes · one side business · 30s · renting
Financial snapshot
Household income
$186,000
W-2 + side business
Monthly surplus
$2,340
After fixed costs
Cash reserves
$21,800
≈ 3.1 months
Total debt
$47,200
Student loans + card
Invested assets
$164,500
401(k) + brokerage
Effective tax rate
22.4%
Blended, estimated
Ranked recommendations & estimated impact
Retirement
Capture the full 401(k) match
Raising contributions to 6% captures the remaining employer match — the highest guaranteed return available to this household.
Debt
Retire the 24.9% APR balance first
Directing the monthly surplus here clears the balance in roughly 11 months and stops the highest-cost interest in the picture.
Tax
Review an S-corp election for the side business
At current net revenue, an S-corp election could reduce self-employment tax. Requires a CPA review before filing.
Saving
Extend reserves to six months
Variable business income raises the value of a deeper buffer before taking on additional investment risk.
Action items
- Raise 401(k) contribution to 6%This week
- Move $600/mo surplus to card payoffThis month
- Book a CPA consult on S-corp electionThis month
- Open a high-yield reserve accountThis quarter
- Re-run the plan after payoffIn 11 months
Goals
Down payment on a first home
$90,000
34% funded
Six-month reserve
$42,000
52% funded
Side business to $60k/yr
$60,000
61% funded
12-month priorities
Match captured, card payoff underway, CPA consult booked
Reserve to five months, business entity decision made
Card cleared, surplus redirected to the home fund
Reserve complete, plan re-run against updated numbers
Long-term roadmap
Home down payment funded; business income stabilised
Purchase decision; retirement contributions to the annual cap
Investment mix rebalanced toward the independence target
Work becomes optional; drawdown sequence planned
All figures above are fictional and shown only to illustrate the structure of a Goldie Plan. They are not advice, not a projection, and not a representation of results any individual should expect.
One price. One plan. No subscription.
Goldie is in founding beta. You pay once and keep what you build.
Founding beta pricing while Goldie is being refined with its first members.
- Deep Goldie financial interview
- Personalized Goldie Plan
- Ranked financial opportunities
- Actionable next steps
- Follow-up conversation with Goldie
You will create your account first. Payment is not collected during the beta setup flow.
Frequently asked
What is Goldie?
Is Goldie a financial advisor?
What kinds of money decisions can Goldie help with?
How personalized is my plan?
How long does onboarding take?
Is my financial information private?
Can I update my plan later?
Find out what your money should be doing next.
One conversation with Goldie, and a plan that treats your financial life as the single connected thing it actually is.