Money & Big Decisions · House-readiness app + companion
What a bank will approve versus what you can actually carry
The real house math, with nobody selling anything: what a bank will approve versus what you can actually carry, and the one lever that moves it most.
The brief, verbatim
I want to buy a house next year and I have no idea if I can. Everyone tells me something different and every mortgage site is trying to sell me something.
Give me the real math. What I can actually afford versus what a bank will approve, what the down payment does, what happens if rates move, and the true monthly cost once you count everything nobody mentions. Let me play with the numbers myself.
Tell me straight whether next year is realistic or whether I'm dreaming.
What the room did
A house-readiness app that puts the two numbers side by side, the bank’s ceiling and the sleep-at-night number, every input draggable: income, cash, debts, rate, term, down payment. The money moment prices what clearing existing debt buys in house; the cost stack counts everything nobody mentions; the rates table shows what happens if rates move. The app’s real screens stand in the viewer, with the twelve-page companion book walking the same math in plain language.
The deliverable
Build your own
You have a year to get ready. Brief the studio in plain English and watch a room of specialists build the math.
Get early access