GROW stands for Goal, Reality, Options, and Will (or Way forward) - Pluto empowers you to set clear goals, understand your current financial reality, explore various options, and commit to a specific plan of action, ultimately leading to lasting, positive changes in your financial life. For example, we will help you ensure that you are set-up for retirement.

STEPPPA stands for Subject, Target, Emotion, Perception, Plan, Pace, and Action. This process enables you to identify relevant financial subjects, set clear targets, explore emotions (alongside the ones below) and perceptions, develop actionable plans, establish a realistic pace, and take consistent action towards achieving your financial goals. For example, we will help you reduce discretionary spending by making you understand why you spend the way you do.

Pluto offers self-reflection prompts to encourage you to explore the emotional factors influencing your financial decisions. These prompts might include questions such as "What emotions do you experience when making a purchase?" or "How do your childhood experiences with money affect your current financial habits?". By engaging with these prompts, you can gain a deeper understanding of your emotions and beliefs around money, which can help you make more informed and intentional financial decisions.

Your Pluto subscription includes gratitude exercises to help you shift your undue focus on financial stressors to the positive aspects of your financial life. The app might prompt you to list things you are grateful for that are related to your financial situation, such as having a stable job, a supportive network, or the ability to cover basic needs. Pluto may resurface these when you are going through a difficult financial phase to give you context .