When we were kids, we kept our money in a collection of glass jars lining a bookshelf. Each jar was labeled with its purpose: “Candy,” “Comic Books,” and so on. When there wasn’t enough in a jar to buy what we wanted, we faced a decision: Were we willing to give up some of our candy money to buy more comic books? The system was simple and easy to use because all of our money was in one place! And, by forcing us to make trade-offs, it encouraged responsibility.

Banzai takes this simple approach and applies it to real life. Though you probably use several bank and credit card accounts, Banzai introduces the concept of “virtual jars,” treating your money as if it were all in one place. Using Banzai, you’ll spread your income across the jars you’ve created. Expenses are taken from your jars.

Out of money in your Dining jar and still feeling hungry? Not a problem! Identify the trade-off by spending from a different jar. Banzai is revolutionary because it strikes a perfect balance between flexibility and discipline.