Breaking the Cycle ofFinancial Anxiety
We're not just building another finance app. We're creating a movement to make financial wellness accessible to everyone, regardless of where they started.
Born from Personal Experience
Luna Money started in October 2024, but truthfully, it began in a hotel room years ago. When Faby and I sat down to plan our future together, we couldn't find a single tool that understood where we came from—tools built for people who've lived paycheck to paycheck, who know what real financial stress feels like.
I was young when my family spent 7 days in a hotel with nowhere else to go. No home. Just my parents' determination to keep three kids safe while their world fell apart. Watching them work multiple jobs yet still struggle with money—not because they were lazy, but because nobody ever taught them how the system worked—that lit a fire in me that never went out.
So I became obsessed with understanding the psychological intricacies of money—how it shapes our decisions, creates anxiety, and controls our lives. At Carnegie Mellon, while studying engineering, I loaded up on entrepreneurship, psychology, and behavioral economics. Later, a Master's in Finance. But more importantly, I had my sister—now with a PhD in Clinical Psychology—helping me understand how to actually change financial behaviors, not just track them.
"Safe-to-Spend™ is everything I've learned about money and psychology unified into one elegant solution. It creates a positive feedback loop—the more you check it, the more you want to see it grow. Even when you spend in the green, you're automatically saving. It transforms financial anxiety into a game you actually want to play and win."
We started small—15 clients, Google Sheets, kitchen table meetings. But every person who told us "for the first time, I feel in control" proved we had to think bigger. Because this isn't just about budgets and numbers. It's about breaking cycles. It's about proving that where you start doesn't determine where you end up. It's about hope.
Meet the Founders
Hector "Gaby" Ostolaza
Founder
Carnegie Mellon University graduate with bachelor and master degrees in Electrical & Computer Engineering and a Master's in Finance from the University of Illinois. Built a fintech platform that merges sophisticated algorithms with behavioral psychology into what he calls "behavioral financial intelligence."
Faby Garcia
Co-Founder, Marketing & Sales
Digital marketing strategist with a BS in Marketing emphasizing omnichannel storytelling, brand architecture, and audience development. Masterfully bridges the gap between sophisticated financial technology and everyday understanding, ensuring Luna Money's revolutionary approach reaches those systematically underserved by traditional financial institutions. Her work amplifies voices often unheard in the fintech space.
Our synergy creates something unprecedented: Algorithmic sophistication meets human-centered storytelling. Technical innovation intersects with authentic empathy. We've lived financial struggle, engineered our way out, and now we're architecting that transformation at scale—turning hard-won wisdom into technology that breaks generational cycles of financial anxiety.
Our Mission
To democratize financial literacy and make building healthy financial habits as intuitive as checking social media. Because everyone deserves financial peace, regardless of where they started.
No Judgment
We treat every user with care and support, like family. No shame, no judgment—just help.
Behavioral Focus
We don't just show numbers. We build habits through AI-powered micro-achievements.
Education First
Free classes and events on budgeting, debt, and financial wellness for our community.
Scale for All
Our algorithm adapts to any financial circumstance—from struggling to thriving.
What Makes Luna Money Different
Proactive, Not Reactive
We answer "Can I afford this?" BEFORE you spend, not after. Our Safe-to-Spend™ feature gives real-time guidance based on your entire financial picture.
Built on Behavioral Science
Our features are developed in collaboration with a PhD in Clinical Psychology specializing in holistic wellness and habit formation. Features like Little Big Wins™ and Safe-to-Spend™ are scientifically engineered using evidence-based behavioral psychology to create lasting financial transformation.
Built by People Who Get It
We've lived through financial struggles that leave permanent marks. We know how it feels. That's why Luna Money is built different—from real pain, for real people, with real results.
Our Vision for the Future
The future of money isn't about tracking spending. It's about enabling living.
In 5 years, Luna Money will be invisible infrastructure in millions of lives—quietly ensuring every financial decision is a safe one. No courses needed. No categories required. Just technology so intuitive that financial wellness becomes automatic.
Welcome to money, reimagined.
Have Questions? Want to Learn More?
We're always happy to talk about our mission and how we can help you achieve financial peace.