Confident answers to life's highest stakes financial decisions.

I'm Steph, a very real human and a CFP® professional. I answer questions using voice notes for people working in tech about equity, career, compensation and building wealth.

Featured questions

Here's what that sounds like.

Browse all questions →

How it works

Ask it the way you'd ask a friend.

01

Record your question

In your own voice, in under three minutes. No jargon required — the moments that feel overwhelming are exactly the ones to ask about.

02

Steph answers

A real answer from a CERTIFIED FINANCIAL PLANNER® professional — plain language, no lectures, no sales pitch.

03

Everyone gets smarter

Your question and Steph's answer become a short episode with a transcript, so the next person facing the same moment can find it.

Money moments

The decisions people actually ask about.

Is my startup equity offer any good?

Startup equity offers

How do I negotiate this job offer?

Negotiating a job offer

I just came into money — now what?

Sudden money

Can I actually afford this house?

Buying your first home

I just got laid off — what do I do with my money?

The layoff checklist

Money questions deserve better than a search box.

Pretty Smart Money is built by Stephany Kirkpatrick, CFP® — because people don't want to learn finance, they want confidence for the decision in front of them.

Meet Steph →