Strata™ is available online and on Get it on Google Play Apple Coming soon to the App Store.

You make good money. So why do you still feel behind?

Build the habits that build wealth.

You earn well. You save. You invest. And it still feels like a treadmill you can't get off. Everyone your age seems to have this figured out.

The problem isn't your income. It’s that nobody taught you how to build wealth.

Strata™ is a daily money habit that turns your income into lasting wealth. 3 minutes a day.

Get Started Free

14 days free. No credit card required.

Created by Dr. Matt Markel
· C-suite executive
· TEDx and Milken speaker
· Amazon #1 bestselling author

9:41

Today · Day 41

3 minutes.
01Reflect
What does your home cost you every month?
02Learn
Why a paid-off house still costs you
03Act
Write down one number you don't know
41days of showing up.
Don’t break the layer.

Used and recommended by

What early members are saying.

“
Like a lot of my friends, I used to be terrified of money just because I didn't understand it. Strata changed all of that. It helped me stop stressing and start seeing my money as a tool to reach my goals.
Shannell Carlisle
Business Owner
“
I thought I understood money, but Strata exposed me to a completely different way of thinking about financial independence — one that's counterintuitive to almost everything I'd been taught. The lessons are quick, the real-world examples are honest about the mistakes, and it's already changed how my wife and I talk about money. Most importantly, it doesn't just teach you — it teaches you the habits that actually build your wealth.
Nick Margherio
Sales Consultant
“
This is the best work on finance I've ever seen, so much better than the materials that [the big financial firms] provide.
Joe Moore
Wealth Advisor
“
I did the first two lessons on the first day I had Strata. The activity from lesson 2 saved me more than a year's membership!
Traci Stokes
Marketing Director
“
I have been a financial professional for nearly two decades, with the past decade spent helping manage assets for high income/net worth clients. I wish that many of my clients had used Strata, because it would allow me to help them better. The information is presented in an accessible way that is very straightforward and easy to use. It educates and informs, but never shames or embarrasses. Strata builds the types of good habits and behaviors that lead to good outcomes. As a financial professional, that is often half the battle.
Chris Cheatheam
Private Banker, Financial Professional
“
What impressed me most about Strata: Wealth Habits was how personal and intuitive the experience felt. It made me reflect on how my upbringing, career, culture, and the people around me shaped the way I think about money. More importantly, it helped me become more intentional about the financial decisions I make today—even the small ones. I found myself stopping before a purchase and asking, ‘Do I really need this?’ That may sound simple, but it showed me that Strata was already changing how I think and act.
Mike Evans
Business Owner, Air Force (retired)

HOW IT WORKS

01

Take the assessment.
Your answers build the path you'll follow.

Strata assessment screen
02

Get a plan each week,
built on goals you choose.

Strata weekly habit screen
03

Check in each morning.
A positive start for the day.

Strata daily check-in and streak screen
Get Started Free

14 days free. No credit card required.

Dr. Matt Markel
“I built the system I wish I’d had.”

For most of my career, I thought I was doing everything I was supposed to do. I worked hard, saved consistently, invested regularly, and trusted that it would all work out.


Looking back, I wish I’d had a system like Strata™ decades earlier. Not because I wasn’t making progress, but because I spent too many years wondering whether all those financial decisions were adding up to the future I wanted.


And I realized I wasn’t alone. The longer I went in my career, and the higher up I went, the more people I met who had every path in front of them to build real wealth and no financial habits to walk it. I watched it cost them later, because they had missed out on decades of compounding.


Strata™ is the framework I wish I could have handed them. Maybe I was lucky. Maybe I was blessed. But I figured it out, and too many good people never do. That is why we built this. It walks you through the same three steps every day: reflect, learn, act.

Dr. Matt Markel
AMAZON #1 BESTSELLING AUTHOR · TEDx SPEAKER · MILKEN SPEAKER · PRODUCT LEAD · PRESIDENT  · CTO · CEO · STRATA USER
Career includes
Waymo · Raytheon · Epirus · Air Force Research Laboratory

FOUNDING MEMBER OFFER (Limited Time)

Start building better financial habits TODAY. Join at our founding member rate.

Regular annual membership is normally $359.

The Founding member price: $99 per year

Available through November 15, 2026, or to the first 100 founding members, whichever comes first.

Explore Strata free for 14 days. Start with your assessment, discover where you stand, and begin your financial practice.

Start My 14 Day Free Trial

No credit card required. After 14 days, add your card to continue your membership.

FOUNDING MEMBER OFFER (Limited Time)

Join at our founding member rate, and keep it for as long as you’re a member.

Regular annual membership: $359

Founding member price:

$99

/ year

OR

$9.99

/ month

Guaranteed for life

The annual price makes it 27 cents a day. A year of membership is less than a single hour with most financial coaches.

Available to the first 100 founding members only.

Try Strata free for 14 days. In a few minutes, you’ll see exactly where you stand and start building your money habits.

Start My Free 14 Days

No credit card required. After 14 days, add your card to continue your membership. Start your trial while founding spots remain to lock in $99.

Careers drift.
Money drifts.
Years drift.

It isn't your income. You drift because you don't have the right habits. Strata™ builds them.

Stop drifting.
Start building.

Get Started Free

14 days free. No credit card required.

FAQ

Does it connect to my bank?
No, and that’s deliberate. Your transactions are your own, and you shouldn’t have to hand over your bank login to get better with money. Strata teaches the habits, and you apply them in your own accounts. Checking the numbers yourself is part of building the habit.
Is this financial advice?
No. Strata is education. It teaches how wealth gets built and what to look for in your own situation, so you can sit down with an advisor, CPA or attorney and know what to ask. Strata never tells you what to buy, sell or invest in. Those calls belong to you and your advisors.
What happens after 14 days?
You decide. If Strata is working for you, pick a plan: $39 a month or $359 a year ($9.99 a month or $99 a year if on the Founders Plan). App store prices may vary slightly. Cancel anytime. If not, just stop. We never asked for a card, so nothing gets charged when the trial ends.