That's actually the most common thing we hear from students before they start. The reason other methods didn't stick is because they required you to make the right decision every single day.

Real Money doesn't. Once you set it up, the money moves where you want it to go whether you're feeling super disciplined or not. That's why students who failed with every app and spreadsheet out there are finally seeing results with this.

No. There's no app to download or software to log into. There ARE tools like spreadsheets and trackers inside the program but they are mostly for setup. The ongoing maintenance happens with your REAL money (see what we did there ;-) inside your actual bank account.

In our opinion, you shouldn't have to pay a subscription to budget. Especially for tools that are just making you redundantly track what you spent without actually changing your spending (if you know, you know).

Most budgeting programs give you a plan and then rely on YOU to follow through every single day. The Real Money Method works differently because the money physically moves to where it's supposed to go before you can spend it somewhere else. You're not relying on willpower or discipline. The system holds you accountable instead of you being held hostage by your budget.

Yes. There's a full training module specifically for variable income with a spreadsheet that does the math for you. We've had irregular income for over 10 years and this method has worked better than anything else for us. Whether you're freelance, commission-based, or self-employed, we cover it.

Yes. If the Real Money Method doesn't save you hundreds, we'll personally work with you until it does or refund 100% of your money. Just email lauren[at]seedtime.com at any time.

You can watch the entire course in under an hour. Most students have their system up and running within a week, spending maybe 2 hours total on setup. After that it's about 5-10 minutes a week to maintain, which is less than any budgeting method we've ever tried.