Planning a big purchase with Amy

Some buys are too big to decide in one tap. A new laptop, a trip, a couch. For those, you do not want a snap yes or no. You want to think it through. That is where Amy comes in.

Amy is the money coach built into Cost Me. You can talk to her like a friend who is good with money — and she is great for planning a big purchase before you spend a cent.

Why talk it out first

A big buy is rarely about the thing. It is about timing, trade- offs, and whether it fits your goals. Saying it out loud — even to an app — slows you down enough to think clearly.

How to plan with Amy

• Tell her the price. Open Amy and say what you are eyeing and what it costs.
• Ask the future-value question. Cost Me can show that price as its 30-year invested value — Amy helps you sit with that number.
• Weigh it against your goal. Tell her what you are saving toward and let her help you see if this buy helps or hurts that.
• Park it if unsure. Not ready? Drop it in the 48-hour vault and decide later.

What Amy won't do

Amy will not shame you or tell you that you can never have nice things. A big buy can be the right call. Her job is to make sure it is a real choice, not an autopilot one. If you decide to buy, log it honestly and move on.

Once you have decided, you can also set a savings goal so the next big buy is one you saved up for on purpose.