The house
One house. Two partners. One staff.
Every account in the house belongs to one of you or to both. The staff works the whole of it, and nothing moves until you both say yes.
One record
Most houses keep three sets of books.
Hers, his and the joint accounts. Nobody sees the whole house.
The staff brings them together.
Every account keeps its owner. Nothing changes hands.
One record. Closed every night.
The Controller balances all of it before you wake up.
Amanda $163,770
- 401(k) $118,400
- Roth IRA $41,250
- Checking $4,120
Joint $54,100
- Brokerage $28,100
- Reserve $18,000
- Bills account $8,000
Josh $122,340
- 401(k) $96,300
- Old 401(k) $22,180
- Checking $3,860
Illustrative household.
Two yeses
Try it. You play both partners.
Finn found a saving. Nothing moves until both of you say yes.
The Carter House
- Each month
- $38
- Each year
- $456
- Coverage
- Same
You’re holding both phones. Press each key.
Amanda
Josh
One ladder
The staff scores the house, not each partner.
Your balances climb together. Ten rungs, five brackets.
A rung counts when you hold it.
Two quarter-ends in a row. One good month doesn’t move the house.
The staff answers for the climb.
It is scored on rungs earned and leaks closed. Never on the market.
The ten rungs
When Merger Bank opens, Platinum pays $100 back the year the house climbs a rung.
One price
One plan covers both of you.
Retainer is $249 a year, Resident $549 and Principal $975. The price never depends on who holds the balance or how large it gets. Nobody pays twice to be in their own house.
Questions couples ask
Before you open the door.
Does one of us have to be the money person?
No. That’s the job the staff took. Finn texts you both, sets the week’s agenda and carries each yes between you. Most houses spend about 11 minutes a week saying yes10, plus the Money Date.
What if one of us says no?
Then it doesn’t happen. A no stops the move. Finn may bring it back once with more detail, and after two noes it’s off the table for 90 days. Nobody on the staff is scored on how often you say yes.
We text all day. Can we just answer Finn there?
Yes, in the group chat or one to one. When you reply yes, Finn sends a link and you confirm in the app. It takes a second, and it keeps anyone holding your phone from moving your money.
Is this a budgeting app?
No. A budgeting app hands you the work. Here the staff does it and you sign off.
How is this different from a joint account?
A joint account is one place you both keep money. Merger is a staff working every account you hold, joint or not, with both of you signing off on each move.
Is Finn a person?
No. Finn and the staff are software. When a gap needs a licensed human, a coach, therapist or advisor joins from the Pro Desk, and only after you both say yes.
Who else sees our numbers?
Nobody you didn’t say yes to. Your data is anonymized before processing and never used to train models. A pro reads your record only after both of you agree.
What if someone new asks us for money?
When Merger Bank opens, the first transfer to anyone new waits 24 hours. Two yeses can release it sooner. Urgency is the oldest trick in fraud, and the hold takes it away.