Stop Stressing

Master Your Money

(even if it’s already mastered you)

What if your finances could change for the better with the click of one button? Get the tools and coaching you need to stop letting your money manage you.

What You Get!

  • Qube Money App & Debit Card
  • 1-Year Access: Qube Money Premium+ ($96 Value)
  • Lifetime Access: Qube Masters Online Course ($297 Value)
  • Introductory Coaching Call (Free)
  • 90 Minute Group Coaching Session * ($100 Value)
  • Lifetime Access: Private, personal finance mastermind community. ($149 Value)
  • Lifetime Access: Online Budget Planner & Debt Elimination Calculator ($20 Value)

$662 Value for ONLY $99

* Upgrade coaching options will be available.

Budgeting is Overwhelming…

(but it doesn’t have to be)

Who are Your Coaches?

Hey, we’re James & Amberlee Rich. We’re debt free & love helping others experience financial freedom.

Learn More

We’ve been debt free (including our home) since 2019. We’re the creators of the Debt Dump Challenge and have been coaching people on their finances for years. Amberlee is the host of the Rich Living on Less Podcast, online course creator, and blogger of

We love the effects of budgeting, but the process has always been a drag, until we used Qube Money.

After budgeting for well over a decade together, we tried all different types of budgeting software. We loved the idea of the cash envelope system, but we could never stick to it, and we didn’t like carrying cash.

We went on a search for something that would make budgeting easier and put it on autopilot. That’s when we found Qube.

It’s pretty much the holy grail of budgeting. I just wish we had it when we were on our debt-free journey. We would have been able to get out of debt so much faster.

If you’re new to budgeting, have dabbled in it, or a veteran at it, we want to help you get to the next level.

We believe everyone needs a budget no matter how much you make.

If you don’t have a financial plan, your money won’t work for you. It will work against you.

In fact, 65% of American’s have no idea how much they spend on a monthly basis (source). It’s no wonder why people are drowning in debt and stressed about money.

We don’t want you to be a statistic, we want to guide you to financial success and give you the accountability you need to make your financial dreams your reality.

If you want to get in shape, hiring a personal trainer is the fastest way to get you to your goals. We’re kinda like a personal trainer for your finances. Giving you the tools, the motivation, and accountability you need to get financial freedom.

What is Qube Money?

It’s a bank, it’s an app, it’s a new way of budgeting that uses scientifically proven methods to help you succeed.

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There is nothing like Qube Money in the world! We’ve tried pretty much every type of budgeting software out there, including the good ole’ cash envelope system, and nothing can even come close to Qube!

If you want to get out of debt, save, and be intentional with money for the long haul, this is what you need.

And there’s even an option for a FREE account!!!

Qube Money is “All That…”

and a bag of chips (which was conveniently purchased within your budget)


Save $440 Per Month

Having a plan for your money and seeing how much you have in every budget category, in real time, makes you spend less and helps you actually stick to your budget. The average Qube user saves $440 per month! Cha-Ching! Enjoy more $ to help pay off those pesky student loans.

Digital Cash Envelopes

Cash envelopes are so 1939. Qube brings those old school savings techniques into our modern times. Simply create your budget categories. Fund Your Qubes. Go to the store. Open the Qube on your app. Run your card. Voilà!  Money subtracts from that category.

Proactive, Not Reactive

All other budgeting software out there is reactive.  You end up categorizing your purchases after the fact and you never really know how much you have until you have a budget meeting. With Qube, you budget as you go. You see how much you have in real time.

Crazy Safety Measures

Your card sits at a zero balance until you activate the Qube category you are going to use. Even if someone stole your card and tried to use it, they couldn’t. Plus, your money is super safe with Qube’s bank partner, Choice Financial Group, an FDIC bank.

Get Coached

We can coach you through it all and give you the tools to really make headway in paying off debt, saving, and having financial freedom. We provide accountability and resources through group and individualized coaching.

Live Within Your Means

Don’t spend your power bill at Target. When you run out of money in a category, you know before you purchase. You’re forced to adjust your budget or put the Chenille Throw Blanket back. Debt creeps in so easily when we go over on little things.

Strengthen Your Marriage

Money fights are the #1 reason for divorce. Qube Money gives you tools to look at your spending & goals in real time. This app was built to help couples stay together. So, quit fighting about money and start dreaming up your future.

Subscription Control

Say good-bye to forgetting about canceling your subscription before your 30-day free trial expires. If you have subscriptions, they won’t automatically renew unless you authorize them.
This saves so much!

Not Convinced Yet?

Schedule a call with us!

This App will change your life…

Budget as you go by creating personalized Qube categories. Fund those categories using ACH, card, or direct deposit. 

All you do is open up the app, choose the category you’ll be spending from, and swipe your Qube debit card.


Then the Qube category closes and your card sits at a zero balance.

Learn to Budget with Qube Masters

using the Flagship Qube Masters Course

  • Full access to Qube Masters—financial education that creates results
  • Online Budget Planner
  • Debt Elimination Calculator
  • Mortgage Calculator

Frequently Asked Questions

About the App

Can my spouse use Qube Money with me?

With the Premium+ Account through Qube Money, you will have the option to have your spouse signup at no additional cost. Separate cards will be sent to each of you and you’ll be able to have your own login to a shared account. 

Is there a free option?

You bet! If you’d like to use the Basic Qube Money plan, you’ll have that option when you sign up. It’s FREE and you’ll be given one debit card and be allowed up to 10 budget categories called “Qubes” while you get unlimited categories on the Premium Plan. 

The free version does not include a spouse card and does not come with the full Qube Masters course. You’ll still be able to use the calculators, budget tools and the lessons on budgeting.

How long does it take to get my Qube Debit Card?

It can take between 2 and 4 weeks to receive it in the mail. However, you will have your virtual debit card immediately. This means you can set up your card in Apple Wallet or use your card for any online purchases. 

Is my money safe?

Yes! Qube is set up through Choice Financial Group a Partner Bank that is FDIC insured up to the legal limit of $250,000. 

Plus, your card sits at a ZERO balance when not in use. Even if your card (or number) gets stolen, the jerk would only be able to access funds if you turn on a Qube category.

Who is allowed to open a Qube Money account?

Anyone who is a U.S. resident, over 18 years of age, and has a Social Security number is able to apply for an account with Qube Money. 

About the Coaching

What is a financial coach?

A financial coach is like a fitness coach for your finances.  We help you make goals, align your spending and saving with your purpose, keep you accountable, and equip you with tools to help you succeed.

A financial coach is not a financial advisor or investor.  We help you find clarity in your finances so you can get your spending in control and in alignment with what is important to you.

Why do I need a financial coach?

Most people are in debt, broke, living paycheck to paycheck with no financial plan. Sixty-five percent of people have no idea how much they spend on a monthly basis.

We are financially obese, severely malnourished, and pretending to be financially healthy.

The truth is this: the way we spend, save, and give is a reflection of our priorities.  If you don’t have a grasp of your finances, your priorities are out of alignment.  

Most of us are overwhelmed and have no idea how to handle our finances in a healthy way that is sustainable.

You can try to fix it on your own.  You can do your own research and try things out.

But if you want to save yourself time and get to where you want to go so much faster, hire a financial coach.

We want to see you succeed, have less financial stress, and have a much healthier relationship with money.

We will help you get into financial shape on the inside and out.

What does financial group coaching look like?

Group coaching gives you the benefits of  coaching at a lower cost. Plus, you get to journey with others to encourage your success.

We will do group web-classes that you can watch live or on your own time when it’s convenient for you.

 The group will meet bi-monthly for six coaching sessions over the course of three months.

What does individual financial coaching look like?

We start with a phone call or zoom call to go in-depth with you by asking you a series of questions.

From those findings, we will create an individualized plan to help you discover and achieve your financial purpose through a series of phone calls or zoom meetups.

You will have accountability and more skin in the game when you do individualized coaching.  This is where you see huge progress in your finances.

Individualized financial coaching is a 16-session commitment that can be extended if you would like.

Why would I pay for financial coaching, when I'm trying to spend less money?

Here’s a question for you: if you keep up spending like you do, how much will that cost you in the long run?

Our coaching program will free up way more money in your budget than it costs for our fee. 

The reality is that interest rates accumulate and bankruptcy isn’t free.  Your habits need to change and someone helping you navigate your finances will be a life saver.

The value you will get from us coaching you far outweighs the monetary costs. 

How much does it cost to get coached?

We offer group coaching and individual coaching.

Group coaching is $599 for three months of coaching which includes two group webinars a month to set you up for success.  If you can’t make it in real time, you can catch the recording when it’s convenient to you.

You will also be going through the online Qube Master’s course to get your finances on track.

Individual coaching is $3,599 for sixteen personalized coaching sessions. We set up zoom calls or phone calls and work with you on a one-on-one basis.

We dive deep to help you overcome financial roadblocks so you can make drastic, long-term changes in how you spend, save, and give.

If you are serious about changing your financial future and want something personalized, this is for you.

Let’s Get Started

Ready To Make a Real Change?