Every monthly charge has a price in time.

ClearMoney Systems shows what your spending costs in freedom, then helps you automate the fix. Start with the free Lifestyle Creep Audit.

Take the free audit

8 questions. About 2 minutes. No email needed to see your result.

Try the 173 Rule

Price any recurring charge in months of freedom.

$a month
$a month
Ten years of that charge costs you 2.8 months of living costs, if you had invested it instead at an average 7% annual return. An estimate, not a guarantee.

Wealth through systems, automation and discipline.

Budgets fail because they rely on willpower. CMS replaces willpower with a few rules you can run in your head and a setup that keeps working when life gets busy.

Systems

Every tool comes down to a named rule, like the 173 Rule above. You keep what you love and stop paying for what you don't.

Automation

Decide once what to keep, cut or cap. Then let scheduled transfers and spending caps carry out the decision for you.

Discipline

Twenty minutes on the first Sunday of each month. That one habit keeps lifestyle creep from coming back.

You got the raises. So why doesn't it feel like it?

The Lifestyle Creep Audit shows how much of your income is quietly leaking into lifestyle upgrades, and what that costs you in years. No judgment. Spend on what you love. Just know the price.

Take the free audit

The Lifestyle Creep Reset Kit

$47, one payment

A four-week system for finding where your money quietly goes, pricing it in time, and deciding on purpose what stays. It isn't a budget, and it isn't about living small.

See what's in the Reset Kit
The workbook
39 pages. Four weeks, three short sessions a week, one named rule per session.
The spreadsheet
Leak Finder, Keep-Cut-Cap tracker, Raise Plan calculator and Your Number tracker, with the formulas built in.
The scripts
Word-for-word lines to cancel subscriptions and lower your bills.
The monthly ritual
The First-Sunday Ritual: 20 minutes that keep the results in place.
Reid, the AI persona who presents ClearMoney Systems videos

Reid is the voice of CMS.

He explains the rules in short videos on TikTok and YouTube as @reid.clearmoney. Reid is an AI persona created by ClearMoney Systems, and we say so wherever he appears.