From Paycheques to Peace of Mind: A New Tool for Women Earning on Their Own Terms

Tuesday brings a $1,200 invoice payment. Thursday sees $300 from a freelance project. Next week? Who knows. If this sounds familiar, you’re not alone in the exhausting marathon of managing money when it arrives in unpredictable chunks rather than neat fortnightly deposits.

Here’s what most people don’t realise: women gig workers experience high financial stress due to unpredictable schedules and income, often working across multiple platforms just to secure enough earnings. More than one in three Americans now earn money this way, yet most are still living paycheck to paycheck – or more accurately, payment to payment.

When You’re Your Own Boss, Money Gets Complicated

Running a small business, freelancing or juggling gig work means constantly chasing invoices, fretting about taxes and rarely feeling in control of your finances. Solopreneurs struggle with financial uncertainty stemming from fluctuating sales and operational costs, with many lacking strong financial planning skills that make investment and business growth decisions even more complicated.

The stress extends beyond just budgeting. 1099 contractors face multiple tax challenges including paying both employer and employee portions of Social Security and Medicare taxes, managing quarterly estimated payments and keeping detailed records of business expenses. They also lack employer-provided benefits like health insurance and retirement plans, requiring them to acquire and fund these independently.

Traditional budgeting advice falls short when your income varies wildly month to month. Women founders who juggle multiple responsibilities know that creating a budget becomes nearly impossible when you can’t predict next month’s earnings, let alone plan for retirement or unexpected expenses.

AI Steps In to Make Sense of Financial Chaos

Technology companies are finally catching up to this reality. Best Money Moves, a financial wellness platform, uses artificial intelligence to help people navigate exactly these challenges. Rather than treating it as a typical finance app, it works more like a digital guide designed to help real people find practical solutions when bills and income rarely align.

The platform assesses your unique financial situation, helps create flexible budgets that adapt to irregular income, recommends relevant benefits and handles tax planning – all using AI to make suggestions personal and practical rather than generic. Women users generally appreciate AI personal finance apps that combine technology with clear, stress-free guidance and personalised advice.

Recent research shows that gig workers with variable income face difficulties planning due to income fluctuations, but effective strategies include using multiple funds to cover irregular expenses and maintaining emergency savings to reduce financial stress during lean periods.

A Bigger Network for Financial Support

The Anchor Group’s recent acquisition of Best Money Moves shows just how many people need tools designed for irregular income – more than 60% of Americans living paycheck to paycheck. The acquisition connects Best Money Moves with other services including MyGig and eCredable, creating a more comprehensive support system.

The focus stays on practical outcomes rather than flashy features. Unlike traditional budgeting apps, women working for themselves will find tools for automated savings that work with unpredictable income, retirement planning that doesn’t assume steady contributions, and tax preparation designed specifically for the complexities of 1099 filing.

The platform will also extend to partner organisations, including veterans groups and nonprofits, recognising that financial wellness support needs to reach beyond traditional employment structures.

Real People, Real Relief

Sarah is a graphic designer who receives project payments ranging from $500 to $3,000 monthly. Traditional budgeting apps assume consistent income, leaving her constantly recalculating expenses and never quite sure if she’s saving enough for taxes. With AI-powered guidance, she can set up automated systems that adjust to her actual earning patterns rather than fighting against them.

Maria, who combines freelance writing with occasional consulting work, needs to navigate complex self-employment tax responsibilities while also planning for retirement without employer matching. AI tools can help her calculate quarterly payments based on actual earnings patterns and suggest retirement savings strategies that accommodate variable income.

Many women report that AI financial coaching apps make money management feel less overwhelming through personalised guidance and clear explanations of financial concepts, though some users have experienced technical issues with newer platforms.

What to Expect When You Try It

Users exploring Best Money Moves will find automated problem-solving tools that work with real-world complexity rather than textbook scenarios. The platform offers suggestions for saving that acknowledge irregular income, tailored steps for gig work tax planning, and partnerships with familiar names in veterans’ services and nonprofit organisations.

The system adapts to your specific situation rather than forcing you into predetermined categories. If you earn $2,000 one month and $800 the next, it adjusts recommendations accordingly rather than averaging your income and pretending that works for actual budgeting.

Leadership Continuity Provides Stability

Following the acquisition, Ilyce Glink, founder and CEO of Best Money Moves, becomes Chief Communications Officer of The Anchor Group while continuing as Chief Wellness Officer of Best Money Moves. Angus Carroll continues as President and Chief Technology Architect. Women in financial tech leadership like Glink understand that keeping the same team means the platform will maintain its focus on user experience rather than undergo dramatic changes that might disrupt existing services.

The arrangement allows Best Money Moves to expand its reach while preserving the expertise that made it effective for users dealing with financial uncertainty. The platform currently serves over one million employees across more than 1,000 companies, demonstrating proven ability to scale personalised financial guidance.

Hope for Unconventional Careers

For anyone who dreads checking their bank account between jobs or feels overwhelmed by financial planning when your job title doesn’t fit traditional categories, personalised digital help represents genuine hope. Women gig workers face significant barriers to financial inclusion, but technology specifically designed for irregular income patterns offers practical solutions rather than aspirational advice.

AI-powered financial guidance acknowledges something important: traditional financial advice doesn’t work when your career doesn’t follow traditional patterns. Whether you’re building a business, freelancing or working multiple gig jobs, having tools that understand your actual situation rather than trying to force you into conventional categories makes the difference between financial stress and financial clarity.

Modern financial wellness approaches recognise that people need comprehensive support, not just basic budgeting. Financial technology is finally catching up to how millions of people actually earn money. The result could be less anxiety about money management and more confidence in building wealth, even when your income arrives in fits and starts rather than predictable paycheques.