Our Story

We’re on a mission
to make money
more human

Before we were a team, we were part of a system in need of change.

We grew tired of financial jargon, of feeling anxious about our own money, and of looking for help in an industry that thrives off confusion.

Why We Do It

Money made us sad and anxious.

It’s why we were stuck in that shitty job, and why that toxic relationship seemed secure. 😣

It’s why we never thought we could get out of student debt, or buy a house like our Boomer parents. 😏

Instagram made us think everyone had tons of money. Robinhood made us think everyone made millions off TSLA. And Amazon made it easy for us to constantly spend it. 💸

Our dad’s financial advisor made us feel stupid, young and poor. We felt too ashamed to tell our parents about our bank balance, and bored out of our minds anytime we heard about retirement planning. 😴
Crying woman stock image
So, we started Bolder, because money shouldn’t hold us back, it should set us free.
Find Your Guide

Your own personal Money Coach.

Our coaches are certified money experts who understand how to overcome financial stress and make smart money moves. They'll proactively guide you step by step to reach your goals and feel better about money!
The Bolder Team

Speaking of we...

Kristina Rivero

COO
Amy Schultz Money Coach Headshot

Amy Schultz

CO-Founder
Siddharth Singh Money Coach Headshot

Siddharth Singh

CO-Founder


The Bolder team is on a mission to tackle the financial stress that plagues 74% of Americans.
We built Bolder with two foundational beliefs:

Everyone else is getting money wrong.

Amy has a degree in finance, is married to an accountant, and still found herself with $80k in debt and no savings when her first son was born in 2017. 🥲 Financial literacy wasn’t enough. Her emotional relationship with money was the root cause of all her financial challenges - and the same is true for everyone.

Yet, most financial apps and wellness programs still focus on literacy rather than emotional support. 👀 Not us. Bolder addresses the emotional side of money, with personalized guidance and real human coaches guiding the coaching experience, to provide accountability and emotional support that facilitates long lasting behavior changes.

Making financial services inclusive means building for women first.

Sid’s first startup was an education accelerator in India, where he learned that if you educate the girls first, the whole community benefits. They bring everyone with them as they rise. 🤝🏽

And for Kristina, a financial world that felt like a country club had to go. The “rules” designed to keep people like her (a first-generation Cuban American woman) on the outside looking in? No more.

By creating a compassionate and inclusive environment to learn about and do better with money, the Bolder team hopes to empower a generation of women to make bolder choices with their money that benefits all of us.

Together, we rise.