← Back to QOL NetworkCalibrate your money compass.
Generate your personalized income blueprint. AI-engineered from your intake answers — delivered as a PDF strategy document to your inbox.
Build Your Blueprint
Answer a few questions and the Money Compass builds a personalized plan for your goals — plus full Signal Map access.
What's Inside Your Blueprint
Every blueprint contains these 8 sections. Depth scales with your chosen plan tier.
Who This Is For
The intake form captures your situation and matches your plan to it. Here's how different starting points map to different outputs.
Starting from zero
Budget under $100, no existing clients or skills.
Your plan focuses on service or content models that earn from your time, not your capital — with zero or near-zero upfront cost.
Employed, want a side income
Working full time. 5–15 hours per week available.
Your plan focuses on high-margin freelance, digital products, or low-maintenance income models that don't need constant attention.
Capital ready to deploy
You have $1,000–$10,000 and want to put it to work.
Your plan focuses on e-commerce, SaaS, or scalable digital asset models with projected return timelines and capital requirements.
How It Works
Four steps from intake to inbox — no back-and-forth, no waiting on a person.
Choose Your Plan
Select a plan tier that matches how much depth you need.
Complete Your Intake
Six fields: niche, sub-niche, financial status, time horizon, mindset, and email.
AI Builds Your Strategy
An AI system trained on 25 income niches maps your profile to a structured strategy document.
Receive Your Blueprint
Your blueprint PDF arrives by email, usually within 3 minutes of payment. If it isn't in your inbox or spam folder within 5 minutes, email support@qol.one and we'll send it.
Share your experience
Submit your review below.
A note from the founder
Most income advice is too vague to act on, or too generic to fit your actual life. "Start a blog." "Just freelance." Not wrong — just not yours.
I built MoneySmith to answer one question: what's the most realistic path to more income for someone exactly like me? The answer changes for every person — so every plan is built from scratch for the one who fills out the intake form.
Skeptical? Good. That's why there's a 3-day money-back guarantee. We want to earn your trust, not assume it.
Graham
Founder, MoneySmith
Compass does the heavy lifting.
Everything in Spark, plus 4× the daily coach chat, the full Signal Map and a weekly coach prompt on your dashboard — $129/mo.
The full Signal Map
The niche-analysis engine behind every blueprint, unlocked in full rather than summarized. Sample data while it is rebuilt.
A weekly coach prompt
A new question to bring to your coach appears on your dashboard each week.
4× the coach chat
Four times Spark's daily chat limit with your AI money coach, grounded in your own blueprint.
Your money coach. Available 24/7.
Money decisions happen every week. Your coach knows your blueprint and answers when it matters.
Spark
Start your money-habits journey
Billed every 3 months · $129/qtr
- AI money coach chat, up to a daily limit
- Foundation lessons and goal tracking in your dashboard
- Cancel anytime
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Compass
More coach time, plus the full Signal Map
Billed every 3 months · $339/qtr
- Everything in Spark
- 4× Spark's daily coach chat limit
- Two more lesson modules
- Full Signal Map access — sample data while it is rebuilt
- A new coach prompt on your dashboard each week
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3-day money-back guarantee. Cancel anytime, one click.
Education and budgeting tools. Not financial, investment, tax or legal advice. MoneySmith is not a registered investment adviser.
Want to see a blueprint first? See a sample →
Spark vs Compass
Every coaching feature, side by side. No fine print.
| Feature | Spark | Compass |
|---|---|---|
| AI money coach chat | ||
| Daily chat limit | Standard | 4× Spark |
| Lesson modules | 1 | 3 |
| New coach prompt on your dashboard each week | ||
| Full Signal Map access (sample data for now) |
- AI money coach chat
- Daily chat limitStandard
- Lesson modules1
- New coach prompt on your dashboard each week
- Full Signal Map access (sample data for now)
- AI money coach chat
- Daily chat limit4× Spark
- Lesson modules3
- New coach prompt on your dashboard each week
- Full Signal Map access (sample data for now)