I built Smart Cash Sheet after seeing the same pattern over and over: people weren’t struggling because they lacked discipline — they struggled because they couldn’t see available cash ahead of time or understand how emotions influenced their spending decisions. The original version started 16 years ago out of necessity during the recession, as a personal Excel model to manage cash timing when uncertainty was high. Over time, that model evolved into a platform that forecasts daily available cash, measures needs vs. wants with the Cash Smart Score™, and adds behavioral context through an AI money coach and collaboration tools. The goal isn’t to replace budgeting — it’s to help people make calmer, more confident decisions before money stress shows up. I’m excited to learn from the community and hear what resonates or falls short.

Smart Cash Sheet

Feel Better About Your Money

Feel Better About Your Money