Why I'm Building This

That's the future I'm building toward: a generation that grows up with the analysis, guidance, and plain-language reasoning once reserved for the wealthy. Not as a luxury. As infrastructure.

I grew up in a house where money generally wasn't discussed. Not budgeting, not investing, not taxes, not how the economy or policy touched any of it. Not for me, not for my brothers. No mentor, no courses, no sense of urgency, and no one pointing us toward someone who could teach us. I've since learned how many people grew up the same way.

It took years to see what that silence cost. The same week I'd avoid opening an invoice, I'd barely sleep, eat badly, skip any movement, and hardly go outside. I thought those were separate failures, one financial and one physical. They were the same failure showing up twice. Money wasn't a math problem. It was a person problem, and the invoice was just the symptom with a due date.

The silence cost me something else, too. I never built the muscle for money going wrong, because no one showed me how to come back from it. So when it did, it didn't feel like a bad month. It felt like proof that something was wrong with me.

It wasn't. Most people who were never taught to trust their own read on money feel exactly this way the first time it gets hard: not behind on a bill, but behind as a person. That gap, between what a setback is and what it feels like, is most of what I'm trying to close.

So I decided to learn it myself. At university I had one goal: get to Wall Street. I studied finance and accounting at the University of Maryland, then finance at London Business School, and built the career I'd set out to build. Once I was inside, I saw that the infrastructure I'd been missing as a kid was real: a team whose whole job is to think clearly about your money with you. It only existed for people who already had money. Family offices, private bankers, wealth managers, invisible to everyone else.

No one builds that for the rest of us. The person who suspects they're leaving money on the table, with no one to check with. The person running a business and managing cash flow alone. The person digging out of debt who's afraid to look at the number. The person about to buy a business with seller financing, signing a note that will shape the next decade, unsure the deal actually holds up. All of them making important money decisions without a team, and without a model for how to think about it.

Mullet is the team I wish I'd had earlier. Not a budgeting app. A real financial team, rebuilt so the price of admission is just being a person with money to think about. And it won't cost you your data either. We don't sell it, not to advertisers, not to train anyone else's models. The whole point collapses if the thing working for you is quietly profiting off you.

The invoice never was the problem. The infrastructure is how we fix the real one, at scale.