Our Story

We are a group of people who were failed by traditional budgeting.   We knew there had to be a better way, so we set out to create it.  

Rather than using spreadsheets and categories, we began physically organizing our money in separate checking and savings accounts.  It was revolutionary for us.  Almost overnight, we began to see our financial situations improving.  

We started calling our new system Defend Your Money, going along with a sports analogy with making money as the financial offense, and everything you do to take care of your money as your defense. 


As we shared our system, we had so much great feedback that we decided to create an app.  We call our app Otto, the name of a beloved pet.  Otto also happens to be a German name meaning "wealth" and "prosperity," so we think it fits well with our mission.

Otto makes managing money even easier by merging your credit card spending and bank accounts together.  As we like to say, with Otto you always know how much money you have and what it's for.  It is wonderful.  

We hope you'll give Otto a try and that it is as life changing for you, as it has been for us.  

Join us

After a 30-day FREE trial, Otto is billed monthly at $5.99.

Otto pays for itself, or you can get it for FREE.  Learn more.