I Was Broke. Now I'm Not

What I Was Broke. Now I'm Not does

I Was Broke. Now I'm Not, operating under the consumer brand "Fully Funded Life," is a privately held, faith-based personal finance education and coaching platform founded in 2006 and based in Anderson, United States. Its product is a web-based subscription membership offering a 9-rung "Fully Funded Life Ladder" methodology delivered through interactive budgeting calculators, a progress and goals dashboard, 30+ courses, 30+ challenges, five themed toolkits (budgeting, debt elimination, savings, investing, financial foundations), and a members-only community with live sessions hosted by founder Joseph "Joe" Sangl. The platform combines deterministic financial tools with one-on-one coaching from a founder-trained coach network, applying biblical financial principles as a differentiating framing.

The business operates on a freemium-to-subscription GTM model: a free tier with limited features, a 14-day free trial, and a Pro Membership at $29/month, $49/quarter, or $149/year, with annual framed as best value. Distribution is primarily direct-to-consumer self-serve via the website, augmented by a dedicated "For Churches" channel targeting congregations as a group-buy motion, and a content-led top-of-funnel through blog articles, podcasts, challenges, and member referrals. The company reports serving "thousands" of members across a global online footprint, with a 1–10 person team and no disclosed institutional funding.

Name

I Was Broke. Now I'm Not

Website

https://iwasbrokenowimnot.com

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

I Was Broke. Now I'm Not (dba Fully Funded Life) is a subscription-based, faith-based personal finance platform offering courses, budgeting tools, community, and one-on-one coaching to individual consumers and church groups via its 9-rung Fully Funded Life Ladder methodology.

Ownership category

akta.pro rank

Product category

Personal Finance Education

NAICS

Professional and Management Development Training (611430)

SIC

Services-Educational Services (8200), Services-Prepackaged Software (7372)

akta.pro primary industry

Financial Education & Coaching (Digital Programs, Tools) (FSAGADAH)

akta.pro secondary industries

Budgeting & Cash-Flow Management (FSAGADAA), Expense Tracking & Financial Dashboards (FSAGADAB), Financial Coaching & Budgeting Advisory (FSAEAAAH), Budgeting & Cash-Flow Management (EDAAAJAA)

Keywords

• Personal finance education
• Financial coaching services
• Budgeting tools
• Debt elimination programs
• Financial wellness platform

Headquarters

HQ city

Anderson

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations

Revenue model

1. Subscription Membership: Recurring subscription revenue from Pro membership tiers (Monthly, Quarterly, Annual). Free tier with limited features drives conversion to paid plans.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

I Was Broke. Now I'm Not operates Fully Funded Life, a subscription-based financial education and coaching platform that helps individuals budget, eliminate debt, build savings, and invest through a 9-rung Financial Ladder roadmap. The platform delivers 30+ courses, unlimited one-on-one coaching sessions, interactive budgeting calculators, and a members-only community, sold via a freemium model with Pro membership at $29/month or $149/year.

Product overview

Fully Funded Life is a financial education and coaching platform organized as a tiered membership model featuring courses, coaching, community, challenges, and financial planning tools. The core offerings include a Monthly Budget Tool for expense tracking, 30+ courses covering topics from budgeting to investing, unlimited one-on-one coaching sessions, 15+ calculators and planning tools, a members-only community with live sessions, and over 30 interactive challenges. Five themed toolkits cover budgeting, debt elimination, savings, investing, and financial foundations. The platform operates on a Free Plan (limited features) and Pro Membership ($29/month or $149/year) model, and is built around a 9-rung Financial Ladder roadmap for achieving financial independence.

Differentiator

Problem solved

Functional benefit

Products and services

• Monthly Budget Tool

Quantifiable outcome

• Users have progressed to Rung 4 on the Financial Ladder within days of starting, including closing 20 credit accounts and eliminating $70k in potential debt.
• +2 more outcomes

Named customers6 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Rocket Money: Rocket Money (formerly Truebill) is a subscription-based personal finance app covering budgeting, bill negotiation, and subscription management. It overlaps with Fully Funded Life's expense-tracking/budgeting core and is a relevant subscription PFM benchmark on pricing and churn.
• YNAB (You Need a Budget): YNAB is a subscription budgeting tool ($14.99/mo or $109/year) that combines zero-based budgeting software with educational workshops and live coaching — directly comparable in product surface area (budget tool + educational content + coaching) though secular rather than faith-based.
• EveryDollar: EveryDollar is Ramsey Solutions' zero-based budgeting app and is the most direct product competitor to Fully Funded Life's monthly budget tool — overlapping core functionality (income vs. outgo categories) in the same faith-based consumer segment.
• Ramsey Solutions: Dave Ramsey's Ramsey Solutions is the dominant faith-based financial education brand, offering Financial Peace University courses, EveryDollar budgeting app, and Ramsey+ streaming — directly comparable product mix (courses + budgeting tool + coaching) and the same Christian-aligned audience as Fully Funded Life.
• Crown Financial Ministries: Crown Financial Ministries offers biblically-grounded financial counseling, small-group studies, and coaching programs targeting the same church-channel audience as Fully Funded Life's 'For Churches' offering, making it the closest faith-based direct competitor.

Regional players

• Church Benefits Association: CBA serves U.S. faith-based employers and church-plan administrators with financial wellness and benefits resources — adjacent rather than directly competing, but the closest peer on the 'faith-based employer financial wellness' distribution angle that Fully Funded Life's church channel targets.

Emerging players

• Monarch Money: Monarch Money is an AI-augmented subscription budgeting and financial planning platform targeting households — comparable budgeting/dashboard surface area to Fully Funded Life but secular, modern UX, and bank-aggregation features Fully Funded Life lacks.

Broad incumbents

• Empower Personal Dashboard: Empower (formerly Personal Capital) is a well-funded personal finance dashboard combining budgeting, net-worth tracking, and investment advisory — overlapping on the budgeting/dashboard surface but at significantly larger scale and with an asset-management business model.
• Mint (Intuit): Mint was Intuit's flagship free budgeting and expense-tracking platform — historical benchmark for the freemium PFM category. Now sunset in favor of Credit Karma, but its product positioning (free budgeting dashboard with upgrade paths) closely mirrors Fully Funded Life's freemium funnel.

Others

• SmartAsset: SmartAsset is a financial education and advisor-matching marketplace publishing calculators, guides, and content comparable to Fully Funded Life's blog and tools. Different monetization model (lead-gen vs. subscription) but the same horizontal personal-finance education consumer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about I Was Broke. Now I'm Not