Money Mode

Money Mode is a posture Fullness derives from your savings rate and cash position. It tailors the guidance, nudges and defaults you see so advice fits your reality.

The three modes

• Survival — spending is close to or above income. Fullness focuses on essentials, stabilizing cash flow and avoiding new debt.
• Recovery — you're building a buffer. Fullness emphasizes a starter emergency fund and steady debt paydown.
• Fullness — you have a healthy buffer and consistent savings. Fullness shifts toward goals, investing and growing net worth.

How it's calculated

Your mode updates automatically as your income, spending and savings change. You don't set it manually — it reflects what's actually happening in your accounts.