Tendi vs The Conversation Coach

Tendi is your private money coach — and it lives entirely on your iPhone. No bank logins. No account to create. No data sent to a server. Tendi turns messy household finances into clear weekly wins, using a serious financial engine wrapped in something that actually feels good to open. This is Tendi v2, rebuilt from the ground up for privacy, speed, and momentum. KNOW WHERE YOU STAND Your Financial Health Index (FHI) scores your household from 0 to 100 across seven pillars: cashflow, debt load, emergency fund, savings momentum, goal clarity, family alignment, and habits. See what's holding you back — and the single fastest move to raise your score. MUTILATE YOUR DEBT Turn payoff into something you'll actually do. The Debt Mutilator models your real debts as "bosses," compares the Avalanche (APR Assassin) and Snowball (Momentum Mutilator) strategies, and shows your debt-free date, total interest, and how much future interest a small extra payment prevents. Slide the extra-payment dial and watch the math change in real time. WIN WEEKLY MONEY MISSIONS Small, finishable, and aimed at your biggest opportunity. Subscription purges, emergency-fund seeds, no-spend weekends, debt strikes — each mission shows its impact before you start and celebrates when you finish. Build a streak. Keep the momentum. YOUR ON-DEVICE AI COACH Ask real questions, like "Can we afford an extra $50 payment this week?", and get grounded answers based on your actual numbers. Powered by Apple Intelligence on supported devices, with a smart deterministic coach that keeps working even when AI isn't available. The coach never guesses at your math — it uses Tendi's tested finance engine. IMPORT STATEMENTS, PRIVATELY No bank connection required. Import a PDF, scan a paper statement with your camera, or load a CSV — everything is read on your iPhone. Tendi finds your transactions, categorizes them, and detects recurring charges without uploading a thing. Raw files are deleted after you review. PLAN AS A FAMILY Add household members, set shared goals, and run family money missions together. Money decisions are easier when everyone is pulling the same direction. PRIVATE BY DESIGN - No bank connection required - No Tendi account, no server, no remote AI - Statements processed on-device and deleted after review - Optional Face ID app lock - Encrypted backups you control - Sanitized share cards — celebrate wins without revealing balances Tendi is an educational financial planning tool. It is not investment, tax, or legal advice, and your FHI is not a credit score. Membership unlocks unlimited missions, more monthly statement imports, the family mission board, and the full AI coach. Your first month is free. Start where you are. Make one small move this week. Watch it add up.

Every advisor knows listening builds trust. Almost no one teaches how. We have all watched it happen. A continuing education seminar on active listening. A role-play exercise with a partner across the table. A facilitator asking everyone to nod thoughtfully and paraphrase what they heard. Everyone leaves with the right vocabulary and almost none of the skill. Listening is not learned by being told to listen. It is learned by practicing the questions that make listening possible in the first place. This app is the practice ground. Why it works: The hardest part of asking better questions about money is not technique. It is comfort. Most professionals have never sat with these questions themselves, which is why they hesitate to ask them of clients and donors. The app flips that. You start by answering the questions yourself, in a safe and structured format, alongside others doing the same. By the time you carry the practice into a real meeting, the questions feel familiar in your own mouth, not foreign. The verb prompts are where the skill develops. Each turn, you randomize verbs that prompt how you ask your next question. You cannot fall back on the questions you always ask. Your brain has to work, and the questions that emerge are better than the ones you would have asked on autopilot. You learn what your default patterns are, and you learn how to break them. Timed play keeps the practice moving. Open play lets a conversation go as deep as it wants to go. Together they teach you when to press and when to let silence do the work. The three modes 1.) Discover is for groups of two to six. You take turns answering and asking, with the app rotating fairly so every voice is heard. Use it with your team, with peers, with a family at the table, or with a small group of clients or donors who are ready for a different kind of conversation. 2.) Leader is for the professional preparing for a real meeting. Map out the questions you want to ask in advance, along with the verbs you might use to push past surface answers. Carry the plan into the room. Use Leader mode discreetly during the conversation as a quiet reference, or use it beforehand to rehearse on your own. 3.) Live Session lets you connect with anyone, anywhere, by sharing a code. A donor across the country. A client between cities. A family member in another state. The conversation does not require the room. Who it is for Gift officers preparing for the conversation that turns interest into commitment. Wealth advisors who want their next client meeting to go somewhere their last one did not. Insurance and estate planners who know the real work begins after the policy is explained. Family office staff. Development directors. Trust officers. Anyone who has ever left a meeting wishing they had asked one more question, or one better one. And, quietly, anyone who wants to have the conversation with their own family that they have been meaning to have for years. What changes Better questions. Deeper listening. Meetings your clients and donors remember long after they leave the room. A practice you can carry into every conversation that touches money, giving, or legacy. You listen your way into trust relationships. This is where you learn how. Subscription Information Conversation Coach offers auto-renewable subscriptions that provide access to premium features. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://conversationcoachab.netlify.app/privacy