3 minutes • No credit card required

Should you buy that house right now?

73% of major purchases end in regret. HōMI tells you if you're financially, emotionally, and circumstantially ready before you sign anything.

Why HōMI?

73%

got "NOT YET" and avoided regret

$42K

avg. saved per prevented mistake

3 min

to know your truth

financial1/3

How many months of expenses could you cover if you lost your income?

0 months12+ months

Readiness Score

GETTING CLOSE

Financial

Emotional

Timing

73%

got "NOT YET" and avoided regret

22K+

monthly searches for "buyer's remorse"

3 min

to know if you're truly ready

Zero

conflict of interest

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Why HōMI

What Everyone Else Misses

FICO measures debt. Advisors measure assets. We measure readiness.

Capability	Fin. Advisor	Your Gut
Measures emotional readiness	Sometimes	Biased
Evaluates timing / life stage	Rarely	Hopeful
Zero conflict of interest
Clear yes/no verdict		Unclear
Shows path if not ready	$$$
Takes 3 minutes
Free to start

* HōMI is the only tool that evaluates all three dimensions of readiness

The Three Dimensions

What We Actually Measure

70+ on ALL three = You're Ready. Below 70 on ANY = Not Yet.

Financial Reality

Not your credit score. Your actual capacity: emergency buffers, cash flow stability, true affordability.

Sample Question

“Could you cover 6 months of expenses if you lost your income tomorrow?”

Emotional Truth

Is this what YOU want, or what you think you should want? Values alignment, stress capacity, relationship dynamics.

Sample Question

“Are you making this decision from excitement or from fear of missing out?”

Perfect Timing

Career stage, life circumstances, opportunity windows. Is now the right time, or are you rushing?

Sample Question

“Is your job secure for the next 24 months? Any major life changes coming?”

15 questions across all three dimensions. Takes 3 minutes.

“NOT YET” is the most valuable answer you'll ever get.

73% of users get “NOT YET”, and that's the point. We don't exist to validate your impulses. We exist to protect your future self.

But “NOT YET” isn't rejection. It's a roadmap.

$42K

avg. saved by waiting

87%

reach READY within 90 days

94%

say they're glad they waited

regret taking the quiz

Your Path to Ready

Week 1-2: Financial Gap

Build emergency buffer from 1.2 → 3 months

Week 3-4: Emotional Clarity

Partner alignment conversation. Score: 48 → 70+

Week 5-6: Timing Check

Career stability assessment. 18-month projection.

Week 8: Re-Assessment

Full check → Target: "YOU'RE READY" ✓

HōMI

Decision Readiness Intelligence™

Why HōMI Exists

“Six back surgeries taught me something unexpected about money and readiness. You cannot rush alignment. When it comes to the spine, it either heals when it's ready, or it doesn't. Force it, and you break yourself worse.”

The same is true for financial decisions. Rush into something without being fully ready, and you send yourself into hardship instead of triumph.

HōMI is the friend who says: “I love you, but you're not ready yet”, and then helps you get there.

Cody Short

Founder & CEO

Real Stories

Decisions That Didn't Become Regrets

These aren't just testimonials. They're decisions that changed lives.

Saved $380K

Got “NOT YET”

“Hours from signing. HōMI showed me my emotional readiness was 34%. My wife and I hadn't actually agreed on neighborhoods. Saved our marriage, not just money.”

Marcus T.

Software Engineer, Austin

Saved her career

Got “NOT YET”

“The timing dimension caught something I'd ignored: my company was about to announce layoffs. Three weeks after HōMI said wait, I was unemployed. It saved my future.”

Jennifer K.

Marketing Director, Chicago

Got “READY” ✓

“Finally bought the Tesla after months of agonizing. The certainty HōMI gave me was worth more than the car. First major purchase without 3am anxiety.”

Ryan M.

Financial Analyst, Denver

4.9/5

Average Rating

2,847+

Decisions This Month

$42K

Avg. Saved Per User

Pricing

What's Certainty Worth?

Average regret costs $42K. Average therapy: $150/hr. Your call.

Free Quiz

One decision. Full clarity.

Single decision assessment
3-dimension scoring
READY or NOT YET verdict
Basic next steps

Best Value

Premium

Unlimited decisions. Full support.

$29/mo

Unlimited assessments
Deep dimension analysis
Personalized transformation paths
Progress tracking
1-on-1 coaching session
Re-assessment alerts

Deep Dive

One big decision. Full treatment.

$49once

Complete assessment
Detailed report (PDF)
Custom transformation map
1 follow-up re-check

✓ 30-day money-back guarantee on all paid plans. No questions asked.

Questions We Get

Stop guessing.
Start knowing.

The next decision you make could shape years of your life. Find out if you're ready in 3 minutes.

See Plans

✓ 30-day money-back guarantee. No questions asked.

Should you buy that house right now?

How many months of expenses could you cover if you lost your income?

What Everyone Else Misses

What We Actually Measure

Financial Reality

Emotional Truth

Perfect Timing

“NOT YET” is the most valuable answer you'll ever get.

Week 1-2: Financial Gap

Week 3-4: Emotional Clarity

Week 5-6: Timing Check

Week 8: Re-Assessment

Why HōMI Exists

Decisions That Didn't Become Regrets

What's Certainty Worth?

Free Quiz

Premium

Deep Dive

Questions We Get

Stop guessing.Start knowing.

What Everyone Else Misses

What We Actually Measure

Financial Reality

Emotional Truth

Perfect Timing

“NOT YET” is the most valuable answer you'll ever get.

Week 1-2: Financial Gap

Week 3-4: Emotional Clarity

Week 5-6: Timing Check

Week 8: Re-Assessment

Why HōMI Exists

Decisions That Didn't Become Regrets

What's Certainty Worth?

Free Quiz

Premium

Deep Dive

Questions We Get

Stop guessing.Start knowing.

Stop guessing.
Start knowing.

Stop guessing.
Start knowing.