bills itself as making financial planning "sort of like a video game, which is so much better than a spreadsheet." We agree: the user-friendly design, which is in the beta stages, is simple to read and light on text. The site was initially aimed at lower income earners, but we like it as a tool for the newly frugal who are looking to cut back on expenses. The site’s goals screen reminds us of an arcade game, with icons that help you work toward savings for charity (a helping hand), retirement (a setting sun) or a second home (a beach bungalow). The site also boasts an actual virtual adviser, Sophie, a brunette with Sarah Palin glasses, who will "never judge you."