Qube Money’s Story

Poor financial health is crushing the world. As a financial health coach, founder, Ryan Clark, has watched people he cared for very much repeatedly fall back into poor money habits. Over the years, Ryan became disenchanted with the existing budgeting apps, debt reduction systems, and savings programs. None of them addressed the root cause of the problem, spending.

In 2015, Ryan was referred to a couple who had been making over $250,000 for ten years. They were struggling paycheck-to-paycheck. They had the latest toys, the best box office tickets, and a beautiful home, but virtually nothing for retirement. They sincerely asked Ryan to help them make the next ten years different than the last ten years.

Ryan spent many hours putting together a budget and spending plan to help them transform their financial situation. Despite his extended efforts, within three months they had fallen off the plan. Within one year, this couple was divorced. This weighed on Ryan heavily because his parents were divorced largely because of financial stress.

Although Cash Envelopes are very difficult to use long-term, it is the only budgeting platform he has watched bring lasting results to his clients. Ryan met with a good friend who is a payment processing developer to explore the idea of “digital cash envelopes” in hopes to deliver people from the tyranny of money.