DIY FinanceHow It Works
Your Financial Support System
A shared language for the foundations, capabilities, and resources that support important financial decisions — so you can see your whole picture, not just your balance.
Why a support system
Three layers hold up every financial decision.
Financial Wellbeing is broader than any single number. Your support system organizes what matters into three layers you can understand, measure, and act on — while keeping the decisions in your hands. Each layer holds up the one above it.
The five parts
Five parts, one complete system.
In plain terms: understand your whole picture, measure where you stand, organize what matters, act on steps you choose, and review how it went. The system calls these five parts Framework, Score, Journey, Actions, and Review — always in that order.
Framework
The foundations, capabilities, and resources that support important life decisions.
Score
One honest number for where you stand — and exactly what tends to move it. How the Score works
Journey
Organize your priorities at your own pace — not a ladder you must climb in order. Explore the Journey
Actions
Turn understanding into progress through specific steps you choose — starting with Your Next Best Step.
Review
Look back honestly, adjust, and keep going. The cycle never ends.
The Member loop
The same honest cycle, every time.
DIY Finance explains why an Action may be relevant, shows alternatives and tradeoffs, and gives you the ability to choose, defer, or seek professional help. You understand your situation, measure where you stand, choose what fits your life, act on it, and review what actually happened. Every step follows the same honest cycle — and it never ends.
DIY Finance is a financial coaching tool, not an investment advisor. Orb’s guidance is educational. For tax, investment, or legal advice, consult a licensed professional.
The system describes. It does not prescribe.
It helps you see relationships between parts of your financial life. What you prioritize, and when, is always your choice.