Your step-by-step guide to breaking up with financial clutter.
How many old accounts, cards, apps, retirement plans, and money connections are still hanging around in your financial life?
Maybe it’s the checking account you opened for a bonus, the old 401(k) from three jobs ago, a payment app still connected to a bank account you barely use, or the store card you completely forgot existed.
The Financial Ex-Files helps you find those financial relationships, figure out what still belongs in your life, and clean up the ones that don’t.
There’s no financial shame, no pressure to close everything, and no expectation that you already have your entire financial life perfectly organized. You’ll simply get a clear system for figuring out what you have, what needs attention, and what you want to do next.
One-time payment • Instant access • Secure checkout
A financial account cleanup system with a step-by-step guide, tracker, checklists, and scripts.
$37 • Instant digital access
It started with an overdraft fee.
A purchase I made at Poshmark got routed through PayPal, which was somehow still connected to an old checking account I barely used. My first thought was:
Wait. What? Why is this even still connected?
That one annoying fee made me realize how many financial relationships can quietly hang around long after we stop thinking about them. I started wondering what else might still be sitting in the background of my financial life simply because I had never officially cleaned it up.
So I built a system to find those relationships, sort through them, and decide what actually deserved to stay.
That system became The Financial Ex-Files.
Find it. Define it. Deal with it.
The Financial Ex-Files walks you through a simple process: find the financial relationships still hanging around, give each one a status: Keep, Update, Investigate, Consolidate, or Break Up, and then deal with whatever actually needs your attention.
The goal isn’t to close everything. It’s to know what you have, why you have it, and whether you still want it there.
One-time payment • Instant access • Secure checkout
Here’s what you get for $37
The complete Financial Ex-Files guide: a six-part, step-by-step process that walks you through finding financial relationships, deciding what deserves attention, investigating anything unfamiliar, safely cleaning up what no longer belongs, and giving the accounts you keep a final checkup.
The Financial Ex-Files Relationship Tracker: your companion spreadsheet, including your Financial Little Black Book master list, Where to Look Checklist, Deep Dive action tracker, and Deep Dive Guide. Delivered in both Google Sheets and Excel formats.
The Clean Break Checklist: a quick before-during-after checklist for anything you close, transfer, unlink, or otherwise end.
The Breakup Scripts: ready-to-use language for closing accounts, asking about fees and rewards, removing linked accounts, tracking down old retirement plans, requesting written confirmation, and more.
The Financial Lost and Found: a quick-reference guide for finding forgotten accounts, old workplace retirement money, unclaimed property, and other financial loose ends.
The Annual Check-In: a simple once-a-year relationship review so all that financial clutter doesn’t quietly build itself back up.
The Financial Ex-Files isn’t just a guide to read and then forget about. It comes with a complete system for working through your financial relationships and keeping track of what you discover.
one payment. $37.
Yours to keep.
One-time payment • Instant access • Secure checkout
frequently asked questions
What format do i get?
You’ll get the full Financial Ex-Files guide as a digital PDF, plus the Financial Ex-Files Relationship Tracker in both Google Sheets and Excel formats so you can use whichever version works best for you.
Do I need Excel?
Nope. If you don’t use Excel, you can use the Google Sheets version of the tracker instead. You only need one version.
What happens after I buy?
You’ll get immediate access to the guide and both tracker options so you can start whenever you’re ready. I recommend beginning with the guide before diving too far into the tracker so the whole process makes sense as you go.
How long do I have access?
The Financial Ex-Files is yours to keep. You can work through it at your own pace and come back to the guide, tracker, and Annual Check-In whenever you need them.
How long will this take?
That depends on how many financial relationships you have and how deep you want to go. You don’t need to complete everything in one sitting, or even one weekend. The tracker is designed so you can add what you find and work through the cleanup a little at a time.
Do I have to close anything?
No. Keep, Update, Investigate, Consolidate, and Break Up are all valid outcomes. The goal is not to collect the most financial exes. It’s to make intentional decisions about the relationships you already have.
Is this a budget?
No. You will not be categorizing three months of coffee purchases or getting a lecture about what you’re allowed to spend. This is a financial organization and cleanup system.
Is this a credit-repair product?
No. The Financial Ex-Files does not promise to remove legitimate negative information or magically change your credit score. It does help you investigate unfamiliar financial information and points you toward appropriate official resources if something appears inaccurate or fraudulent.
What if I find an account I don’t recognize?
Don’t panic and don’t immediately close anything. The guide includes a section called New Number. Who Dis? that walks you through how to investigate unfamiliar accounts, creditors, transactions, or connections before deciding what to do next.
What if I discover fraud or identity theft?
That becomes the priority. The guide shows you when something has moved beyond ordinary financial clutter and directs you toward verified institutions and official identity-theft resources rather than continuing with the normal cleanup.
What if I have a lot of accounts?
You don’t have to finish everything in one sitting. The tracker gives you one place to record what you find and work through your financial relationships at your own pace.
What if I already keep pretty good track of my finances?
You may discover that most of your accounts are already exactly where you want them, and that’s still useful. The goal isn’t to find problems. It’s to know what’s in your financial life, what needs attention, and what you’ve intentionally decided to keep.
Is this financial advice?
No. The Financial Ex-Files is an educational and organizational resource, not personalized financial, legal, tax, investment, credit, or cybersecurity advice.
It’s designed to help you identify what’s in your financial life, organize what needs attention, and understand what you may want to research before making a decision. Your situation is your own, so when a choice could affect things like taxes, credit, investments, benefits, or legal rights, review the current terms and get qualified professional help when appropriate.
Ready to update your relationship status?
You don’t have to remember every financial account you’ve ever opened, close everything you rarely use, or organize your entire financial life perfectly.
The Financial Ex-Files gives you a practical way to find what’s still in the picture, figure out what deserves your attention, and clean up the relationships that no longer make sense.
The Financial Ex-Files - $37
Your step-by-step guide to breaking up with financial clutter.
One-time payment • Instant access • Secure checkout
Hi. I’m Steph.
I’m the founder of Adore Money, where I create practical tools to make money feel less overwhelming, less shame-y, and a lot more fun.
I’m especially interested in turning the financial tasks people avoid into systems that are easier to actually use, without pretending there’s only one “right” way to do money.
The Financial Ex-Files is exactly that kind of tool.
If you want a tidier financial life with less shame and more sparkle, you’ve come to the right place.
One-time payment • Instant access • Secure checkout
Not ready to buy yet?
Start smaller. Grab The Free Money Finder, a free one-page checklist for tracking down old accounts and forgotten money in about ten minutes.
Quick note: The Financial Ex-Files is an educational and organizational tool, not personalized financial, legal, tax, investment, credit, or cybersecurity advice. Use it to get organized and informed, then make decisions based on your own situation.