I’m Jose — investment banker by trade, financial simplifier by heart. After years advising companies, I realized personal finances don’t need to be complicated. I build tools to help you take control of your money in 15 minutes a month — no apps, no fluff, just clarity. 📊 Based on real strategies like zero-based budgeting, 50/30/20 and FIRE. 🎁 Pay what you want — and start now.