HUG is Different!
Got Debt?
Debt doesn’t have to define your future. Every HUG plan helps you eliminate debt faster, reduce stress, and build a budget that works—without harming your credit. Your Client Portal brings everything together so you can start strong and make steady progress
Focused on Retirement?
Planning for tomorrow works best when all the pieces connect. Every HUG plan gives you tools to see how your budget, obligations, and lifestyle choices affect your future. With Platinum, you’ll go further — adding live Q&A webinars (with recordings), direct email support, and exclusive resources to help you make confident decisions about your retirement and beyond.
In less than 10 minutes…
Tell us the basics—we’ll do the math. You’ll get a free financial analysis and a personalized HUG Plan Illustration so you can see what to do next with confidence.
Get your free financial analysis
See your personalized HUG Plan Illustration
Complete a short intake (no long forms)
* HUG is not a lender. “HEIR” HUG Effective Interest Rate is achieved by following your HUG Plan.
Here’s what you unlock as a HUG Member
We’re here to guide you — but you stay in control.
HUG gives you a complete system to manage debt, build a smarter budget, and strengthen your future, all in one secure portal.
Your future deserves more than numbers. Take a moment and feel what it means to be a HUG Member.
Access your Membership Dashboard, filled with on-demand videos, answers to common questions, and practical tips you can put to use right away.
Choose the path that fits you best — Signature for a strong start, or Platinum for added support and live guidance.
Whatever you choose, your future gets stronger from day one.
Manage Your Debt
Follow your accelerated debt schedule in the Client Portal to see how fast you can pay off every balance — even your mortgage — without harming your credit. HUG organizes the details so you can stress less and stay on track.
Maximize Your Retirement
Project income, expenses, and “what if” scenarios with tools that help you see how today’s progress impacts tomorrow’s lifestyle. HUG connects all the numbers so you can plan with confidence.
Create a Workable Budget
Use HUG Model Month to see where your money goes and adjust with ease. Whether for household, business expenses or both, your budget becomes a flexible guide you can actually stick with.
HUG Signature ($39/mo)
- Complete HUG Client Portal (Debt, Budget, Retirement)
- 24/7 AI Concierge (Dr. FinWell) + onboarding video
- Robust library of tutorials and practical guides
- Includes the e-book Retire Debt & Retire Well
HUG Signature ($39/mo)
Sometimes the best place to start is with the complete HUG system at your fingertips. With Signature, you’ll have everything you need to get out of debt faster, budget smarter, and move forward with confidence — all in one secure, easy-to-use Client Portal.
A private dashboard that adapts as your life changes.
- 24/7 AI Concierge (Dr. FinWell) trained on the HUG system.
- Step-by-step onboarding video so you can get started right away.
- A rich library of FAQs, video tutorials, and plain-language guides.
- E-book Retire Debt & Retire Well by Dr. Frances Rahaim.
Signature gives you the clarity, structure, and confidence to take control — with the reassurance that you can always reach us by email if you need help.
HUG Platinum ($79/mo)
- Everything in HUG Signature PLUS
- Monthly live Q&A webinar + recordings
- Direct email access to the HUG Team
- Exclusive Platinum tools and resources
HUG Platinum ($79/mo)
Platinum is for members who want everything in Signature — and more connection along the way.
- Monthly live Q&A webinars — led by Dr. Frances Rahaim and the HUG Team, so you’ll always have access to trusted guidance. Can’t attend live? Watch the recording anytime in your dashboard.
- Direct email access to the HUG Team for personal guidance and support.
- Access to exclusive tools and resources available only to Platinum members.
- Includes everything in Signature, including the e-book Retire Debt & Retire Well. Platinum members may also request a complimentary hardcopy (while supplies last).
Platinum is designed to help you go further — with extra touchpoints, real-time answers, and future-focused support. It’s the natural next step for members who want added confidence in both today’s progress and tomorrow’s plans.
For rare situations requiring deeper, customized support, Platinum members may request a quote for a Platinum Plus upgrade. These are handled on a case-by-case basis and are not part of our standard offerings.
HUG plans start at just $39 per month*.
Choose Signature for a strong start, or Platinum for extra support and future confidence.
Get your free financial analysis — and see the results in your personalized HUG Plan Illustration.
No long-term contracts — cancel anytime.
Built on trust, not sales pressure.
Available for individuals, families, and organizations of any size.
Group pricing available. Ask about employer and school partnerships.
Signature and Platinum plans available. See details above.
Here’s What Real People Are Saying About HUG.
Real results, one person at a time
Most members begin with a personal goal—less stress, clearer budgeting, smarter decisions. Whether you join on your own or through a workplace or school, the experience is always tailored to the individual. HUG meets you where you are. These are real members, in their own words.
Wendy & David (starting life together)
Engaged and determined to start strong, they wanted to get on the same financial page and get out of debt quickly. Their financial advisor recommended HUG Your Money.
Shannon & Kevin (progress/early retirement)
What makes someone share their most personal money journey on the air—for free? Meet this hard-working couple who used HUG to retire early and build a life they love.
Leah & Jason (recession/move → debt)
After moving during the recession, Leah and Jason were saddled with debt. Despite their efforts, it didn’t seem to be declining.
Carrie & Mike (medical shock)
When medical tragedy struck, their lives flipped overnight and the financial fallout was severe. With HUG Your Money, they strengthened their marriage and rebuilt their finances
Joel (stuck cycle)
Joel felt like a hamster in a wheel. He just wanted to break the cycle and pay off his debt without having to get a second job. Watch this two part video to the end to see his progress.
Ray (college vs. retirement)
Megan and Hannah’s parents were squirreling away $1000 monthly for college and it wasn’t nearly enough. How would they get their daughters through college without sacrificing retirement?
Sheryl & Robin (retirement/lifestyle)
They carried virtually no debt, but retirement felt like a big unknown. With HUG, they explored how to travel and enjoy life on a fixed income—see their story in this filmed radio interview.
Jill & Bill (livelihood lost → rebuild)
After their livelihood burned to the ground, Bill couldn’t see retirement as a possibility–ever. Jill felt the pressure of managing the household finances like a crushing responsibility. Check out how their doing now.
Ethel (single parent)
Single Mom puts 4 kids through college,and ends up buried in credit card debt. She needed a HUG and turned to us for support.
Helen (modest lifestyle goals)
She knew she’d never be a millionaire. All she wants is a pretty house, dinner out once a week and an annual vacation.
Wherever you’re starting—newly engaged, mid-career, or nearing retirement—HUG has a plan that fits.
Choose Signature to start strong, or Platinum to go further with live support.
Consider This
A quick thought before you decide:
Take a moment to add up your monthly loan payments—mortgage, credit cards, student loans, car payments—all of it.
Now imagine that money back in your pocket.
Without those monthly obligations, you could save more, stress less, and retire with confidence.
That’s what HUG helps you do—step by step.
HUG is not a lender. Your information stays private and secure.