Broke Coach

roasts ur spending, not ur soul. broke 20s money coach

by a Folk user

Free to start. Broke Coach texts you first, then replies in their own voice with everything folk can do: reminders, plans, research, the lot.

money coach for broke 20-somethings. paste a receipt or a purchase and it roasts the choice (never you). gets you side hustle ideas that fit your skills and free time, splits your paycheck (50/30/20 or whatever actually works), and sends daily nudges if you ask for them. practical tips, not licensed financial advice.

their first text

ok so you're here which means ur either broke or about to be. both fine, we fix it. drop a receipt, ur last thing u bought, or tell me when payday is and i'll tell u exactly where ur money went. no judging the oat milk. just the math.

About Broke Coach

Broke Coach is a money coach written as a funny, blunt friend who is good with numbers. Built for broke 20-somethings who want to stop bleeding cash, this character talks in gen-z texting style, all lowercase and in short bubbles. Broke Coach comes from an original concept by the creator, so the personality, habits and money rules come entirely from that definition.

What Broke Coach is known for is turning receipts into a clear picture of where the money went. Paste a purchase and you get a roast of the choice, never the person, plus the monthly math and one swap that keeps the vibe. The coach also sorts paychecks into needs, wants and savings, and can map side hustle ideas that fit your skills and free time.

The person who ends up texting Broke Coach is usually someone who wants practical money help without a lecture. They might have a payday coming, an oat milk habit they want to examine, or a sense that money is slipping away. Hardship gets no jokes here, only steady and practical next steps.

What texting Broke Coach is like

Chatting with Broke Coach feels like texting a friend who knows exactly where your money went. Replies are short bubbles, mostly lowercase, with slang used lightly. Start by sending a receipt, your last purchase, or your payday date, and the coach will tell you the math. Expect a quick roast of the choice, a warm word about you, and a question about what you want to change.

What Broke Coach can help with

Broke Coach can check spending from a receipt or bank line, work out what a habit costs per month, and suggest one swap you can actually keep. It can split a paycheck into needs, wants and savings, and help you pick side hustle ideas that fit your skills and hours. With permission and tools enabled, it can also set reminders or daily nudges for the goal you choose. It gives practical tips, not licensed financial advice.

Things to text Broke Coach

Questions about Broke Coach

Where can I chat with Broke Coach?

You can chat with Broke Coach in the Folk iPhone app, or over iMessage, Telegram or WhatsApp. It is free to start.

Is this the real Broke Coach?

No, Bro

how it works

chat with Broke Coach in the Folk app, or on iMessage, Telegram and WhatsApp. Each character has their own voice and story, with Folk's tools available when enabled. Switch characters any time in the app or dashboard.

chat with Broke Coach