From Overwhelmed to Empowered—And on a Mission to Help Every Family

We thought we had life figured out.
Two successful careers—one in pharmaceuticals, the other in computer science. We worked hard, dreamed big, and believed we were on the right path. But when it came to money? We were completely lost.

Imagine a stacks of bills on the kitchen table; late‑night conversations filled with worry; numbers that never seemed to add up. We were smart in our jobs—yet overwhelmed by our own finances. That’s when we asked each other:
“If we’re struggling this much, how many other families feel the same way?”

That question changed everything.

Why Families Like Yours Feel the Squeeze (Facts That Hit Home)

We learned our story wasn’t unique. Across the country, families are under pressure:

• Emergency expenses remain a real stressor. In 2024, only 63% of adults said they could cover a $400 emergency with cash or its equivalent, down from the 2021 high and essentially flat for the last few years. [federalreserve.gov], [fedinprint.org]

• Prices surged and then cooled—but households still feel it. The Consumer Price Index rose 3.4% in 2023, with shelter accounting for more than 60% of the increase, leaving housing at the center of family budgets. [bls.gov], [dol.gov]

• Housing affordability has reached historic strain. As of early 2024, U.S. home prices were ~47% higher than in early 2020, while rents remained up ~26% since early 2020; half of renter households—22.4 million—were cost‑burdened (paying ≥30% of income on housing and utilities) in 2022, a record high. [jchs.harvard.edu], [jchs.harvard.edu], [nlihc.org]

• Debt stress is rising. In Q1 2024, aggregate delinquency rates rose, and ~8.9% of credit card balances transitioned into delinquency, signaling worsening distress for some households. [newyorkfed.org]

• Student loans restarted—and many struggled. After payments resumed in Oct 2023, the Education Department held ~$1.5T in federal loans for nearly 43M borrowers; by Jan 2024, about 30% of borrowers in repayment were past due. [gao.gov]

• Poverty is still a real factor. In 2023, the official poverty rate was 11.1% and the Supplemental Poverty Measure was 12.9%, underscoring the number of families walking a financial tightrope. [census.gov]

• And financial well‑being deteriorated from 2023 to 2024, with more households reporting difficulty paying bills and fewer able to cover a month of expenses after a loss of income. [consumerfinance.gov]

At the same time, university research shows financial literacy is low—especially among those most vulnerable—and strongly linked to better behaviors and resilience. Recent work finds gaps in basic concepts (like inflation, compound interest, and risk diversification) and shows how literacy correlates with planning, lower debt burdens, and stronger emergency readiness. [gsb.stanford.edu], [siepr.stanford.edu] [federalreserve.gov], [fedinprint.org], [jchs.harvard.edu], [gao.gov] [gsb.stanford.edu], [siepr.stanford.edu]

Turning Pain into Purpose

We decided our struggle would become our mission. We became certified professionals from the State of Missouri, and we started this company with one simple goal:
to help every family become financially better off. No complicated jargon. No judgment. Just clear, practical guidance that anyone can understand.

But our vision goes beyond numbers. We’re an autism family. We dreamed of creating opportunities for those who face unique challenges. Today, we’re proud to be an Autism‑Friendly Company, fostering inclusion and empowering neurodiverse individuals to thrive.

What Makes Our Approach Different

• We speak human, not finance. We translate complex topics—budgets, credit, insurance, investing, college planning, retirement—into everyday decisions families face at the kitchen table.

• We start where you are. Whether you’re worried about an emergency, juggling rent or mortgage, or navigating student loans after the payment restart, we meet you with empathy and a plan.

• We are evidence‑driven. Our guidance is grounded in credible data and peer‑reviewed insights—so families aren’t guessing; they’re acting with confidence.

From Overwhelmed to Empowered

Today, we’re proud to say we’ve built a resource that empowers families to take control of their money and their future. Because we know what it feels like to worry about tomorrow—and we know how life‑changing it is when you finally feel secure.

Your family deserves that peace of mind.
If you’ve ever felt overwhelmed by finances, you’re not alone. We’ve been there. And we’re here to help you get to a better place—because financial freedom isn’t just for the wealthy. It’s for everyone.

Together, let’s shape a future where financial security and inclusivity go hand in hand.

Committed to your financial freedom,

Ajit & Duhita

Your Partners in Financial Wellness

Certified Financial Professionals | Autism-Friendly Advocates