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💀 DEAD SPENDING
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Playbook
"Everything you need to understand how the crew thinks, how spending gets graded, and how to stop making expensive mistakes."
Meet The Crew
The Four Paths
Dead Spending
"Money that leaves your life and doesn't help your future."
Examples:
- Impulse purchases
- Excessive delivery
- Unused subscriptions
- Lifestyle flexing
Circulating Spending
"Money that keeps life moving."
Examples:
- Rent & Utilities
- Transportation
- Groceries
- Necessities
Building Spending
"Money that improves your future."
Examples:
- Investments
- Business expenses
- Education
- Skill building
Borderline Spending
"The grey zone — could go either way."
Examples:
- Eating out often
- Convenience upgrades
- Hobby equipment
- Lifestyle subscriptions
Understanding Your Grades
Excellent Decision
Pure building spending. Mathematically sound, high ROI, or long-term growth asset.
Solid Choice
Healthy circulating spending or calculated self-investment. Strong fundamentals.
Could Go Either Way
Borderline purchase. Mostly necessary but carries some fluff or overpayment.
Questionable
Borderline dead spending. Impulse-driven or luxury markup that strains cash flow.
What Were You Thinking?
Absolute dead spending. Completely lifestyle flex or pure regret purchase.
How The Crew Thinks
"The crew doesn't roast YOU.
They roast your decisions.
Big difference."
"Every purchase is viewed through a different lens:"
Crew Wisdom
"On sale isn't saving money if you weren't going to buy it."
"Convenience is expensive because people pay to avoid discomfort."
"Subscriptions are dangerous because they disappear quietly."
"Every dollar can only be spent once."
"Small purchases become large habits."
🧰 Toolkit
Resources and guides curated by the crew to help you level up your credit, savings, investments, and side hustles.
Case Files
Where it all went.
Highlights
Your financial recap
🏆 BEST DECISION
Vanguard Index
$150.00
Building that future!
💀 BIGGEST FINANCIAL CRIME
Buffalo Wild Wings
$82.47
Ouch. Take it easy.
Pops
"You are building better habits, honey! Keep making investments sparkle."
Profile
Set the goals and habits your roasters should keep in mind.
Teach your roasters what matters
Your answers shape the advice, callbacks, and pressure they give you.
01
What are you building toward?
Choose every goal your spending decisions should protect.
Choose goals
What are you building toward?
Choose every goal your spending decisions should protect.
02
Where does your money slip?
Pick the spending patterns your roasters should watch closely.
Choose patterns
Where does your money slip?
Pick the spending patterns your roasters should watch closely.
03
What is your monthly income?
Helps estimate your net savings rate.
Enter income
What is your monthly income?
Helps estimate your net savings rate.
04
Notification Preferences
Choose when the court should reach out.
Configure
Notification Preferences
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Your Roaster
Default Roast Intensity
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Your Profile
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Your Profile
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Theme Vibe
Preferences
Data Management
Beta & Developer
Feedback tools and testing options. Hidden in production.
Beta Feedback
You're using EHS early. Help shape what it becomes.
Disclaimer
Everybody Hates Spending (EHS) is a financial entertainment product. Grading, verdicts, and roasts are generated automatically for entertainment purposes only and do not constitute professional financial advice, banking services, or credit counseling.
Privacy Policy · Terms of Use · Beta v2.0
Profile & Account Summary
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Profile & Account Summary
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Feedback Submissions (Admin)
Review feedback submitted by beta testers.
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Feedback Submissions (Admin)
Review feedback submitted by beta testers.
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Manual Spend Entry
🤔 Should I Buy This?
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YOU SURE ABOUT THAT?
BARON BLUE IS JUDGING.
"Your spending variance is approaching unacceptable parameters."
"Your stomach got full. Your savings got jumped."