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Let’s Find Your Starting Line
Financial wellness isn’t a one-size-fits-all journey. Tell us where you are right now, and we’ll point you to the tools and knowledge that will make the biggest difference for your life.
Getting Started on Your Journey
Hi, I'm Jason—founder of phroogal
Years ago, I left my corporate job, packed a backpack, and traveled the world.
What made it possible? Understanding money differently.
That journey sparked phroogal — and led me across all 50 states, talking with thousands of people about money and wellbeing.
What I discovered was simple: people don’t just need information. They need guidance, practical tools, and a supportive community.
That’s why I created phroogal — and the Smile Money philosophy that fuels everything we do.
The Smile Money Manifesto
Money isn’t just about numbers — it’s about how you think, how you feel, and how you live every day.
We believe:
- Financial wellness is holistic wellness.
- Clarity creates confidence.
- Knowledge, access, and community are the foundation for change.
The Smile Money Manifesto reminds us that life’s richest moments aren’t just bought — they’re experienced.
Our mission is to help you build a relationship with money that supports your happiness, freedom, and purpose.
Option 1: You Need Clarity and Direction
If this is you: “I know I need to get my money right, but I don’t know my budget, I feel overwhelmed, and I need a personalized plan.”
Find Your Money Mood
Start with our quick 30-Second Money Mood Meter. It's 10 simple questions (no math!) to instantly see how 'happy' your money is and get your first action step.
Option 2: You Need Tools and Savings
If this is you: “I’ve got a good idea of my goals, but I need a better bank, a reliable investment app, or a way to earn sign-up bonuses.”
Option 3: You Need Foundational Knowledge
If this is you: “I’m ready to learn how money works. I need high-quality guides, actionable tips, and trusted financial education.”
Managing Your
Money
Gain skills to stay in control of your cash flow and budget effortlessly.
Earning More
Money
Learn ways to increase income at your job, through side hustles and business.
Borrowing Money
Better
Gain mastery of credit, pay off debt, and use leverage to build wealth.
Protecting Your
Money
Get the steps to safeguard your identity, protect assets, and leave a legacy.
Option 4: For the Serious Achiever
If this is you: “I want a structured program, expert access, and an engaged and supportive community.”
You’ve started learning — now it’s time to transform.
The Smile Money Academy™ is your next step: a membership that turns education into action with courses, tools, and community support.
Inside the Academy, you’ll get:
- Smile Money Paths –begin with the area that matters most to you today
- The Smile Money Blueprint™ — a 12-week program for holistic financial wellness
- Access to bonus resources, live Q&As, and mentorship
- A supportive community of people walking the same path
Why Trust phroogal
A community of over 100,000 readers who want more clarity, not complexity.
10+ years in the financial wellness space
No fluff. No jargon. No shame—just real help
Featured in NYTimes, USA Today, and more
Partnered with credit unions and fintechs
Financial wellness isn’t just about managing money — it’s about the freedom to live well.
You are not alone in this journey. Have a question?