The STRIP method
ReminderSavings, Total debt, Retirement, Investing, Plan: know all five numbers cold.
- Assembles all five STRIP numbers from real accounts
- Texts you the one that moved each month
- Tracks the trend on each
Your Rich BFF
Vivian Tu
Rich people treat money like a game with rules. Learn the rules.
8,100 people run this system with Flip
The system
5 habits. Copy once, Flip runs them for you.
Never leave employer match
Scan lensUnmatched 401(k) money is a pay cut you volunteered for.
- Checks your contributions against the full match
- Shows the gap as dollars per year
- Nudges you to bump the percent
Banks pay you, not the reverse
Live alertIf your bank charges you to hold your money, fire it.
- Flags every bank fee as it posts
- Finds balances earning under 1%
- Suggests where the money should sit instead
Lifestyle creep audit
Live alertEvery raise should raise your investing before it raises your spending.
- Detects income increases automatically
- Compares your spending before and after the raise
- Nudges you to route a slice before it dissolves
Ask for the refund
ReminderFees, rate hikes, price increases: the first no is not the answer.
- Catches refundable fees and rate hikes
- Drafts the ask so you just hit send
- Tracks what you have clawed back
What Vivian's scan looks for
- Your five STRIP numbers, assembled from real accounts
- Employer match left on the table
- Bank fees and sub-1% balances
- Income increases that dissolved into spending
Running it in real life
+$4,900
net worth swing in 6 months
The scan found unmatched 401(k) money, $132 of bank fees, and a raise that dissolved in 60 days. Flip tracks her STRIP numbers monthly and routed half her last raise to investing the week it hit.
— Dana, 27 · Making more every year, net worth flat
Copy the system, connect your accounts, and see what Vivian would fix.
Copy Vivian's system