Frequently Asked Questions
Everything you need to know about HōMI and Decision Readiness Intelligence
What is HōMI?
HōMI (pronounced 'homie') is your AI decision companion powered by Decision Readiness Intelligence™. We combine financial analysis, emotional readiness assessment, and timing intelligence to tell you the truth: YES, NO, or NOT YET.
How does the HōMI Score work?
Your HōMI Score uses Decision Readiness Intelligence™ to combine three key elements: Financial Strength (50%), Emotional Readiness (30%), and Market Timing (20%). When all three rings align above 80, the compass becomes a key: you're ready.
Is HōMI free?
The initial assessment is free. We're launching founder access in 2025 with various tiers for ongoing coaching and support. The first 1,000 users get special pricing.
What is Decision Readiness Intelligence™?
Decision Readiness Intelligence™ is our proprietary system that measures not just if you CAN make a decision, but if you SHOULD. It's the first methodology to combine financial capacity, emotional readiness, and timing intelligence into a single actionable score.
How is HōMI different from a financial calculator?
Calculators tell you if you CAN afford something. Decision Readiness Intelligence™ tells you if you SHOULD and if NOW is your moment. We measure emotional readiness and timing, not just numbers.
Will HōMI really tell me to wait?
Yes. We expect to tell 70% of users to wait. Because honesty beats validation. If you're not ready, we'll tell you and create a plan to get you there.
Do you make money from referrals?
No. Zero commissions, zero referral fees, zero affiliate links. Your decision doesn't change what we earn. We only make money from our subscription service.
What decisions does HōMI help with?
We're starting with home buying in 2025. Soon after, we'll expand to career changes, major investments, relocations, and other threshold moments.
How do I choose my HōMI companion?
After your assessment, you'll choose from three personalities: The Analyst (data driven), The Optimist (encouraging), or The Navigator (step by step). Pick the one that matches how YOU need to hear the truth.
Is my data secure?
Yes. We use bank-level encryption, never sell your data, and you can delete your account anytime. Read our Privacy Policy for full details.
Can I change my HōMI companion later?
Absolutely! You can switch between Analyst, Optimist, and Navigator anytime. Think of it like having different friends for different moods.