Most budgeting apps treat a latte the same as your rent. Survival Budget doesn’t. Four tiers: Survival, Important, Quality of Life, Future Building. Allocate top down. You can’t move down until the tier above is covered. When money gets tight, the decision is already made. Survival: rent, utilities, food, transit Important: insurance, debt, medical No subscriptions. $4.99 one time. Your data stays on your device.