Final Step is the app and credit card pairing that will empower its customers financial capability through mentorship and education offered by Barry the Budgeter and gamified modules. Working with the customers to create a personalized budget that fits their needs and income, Barry then motivates and incentivizes them to curb old habits and learn budget-wise skills. Media and modules teach topics ranging from savings to estate planning to the valuation of stocks. Barry aids and supports users as they relate modules to their budget and develop healthy financial habits. Although the app can be used without our credit card, FS card users are able to rely on a card that is dedicated towards advancing their financial intelligence rather than the debt-capitalizing tactics used by existing providers. Our credit card pairing is the ultimate incentive to follow the budget to boost and maintain a high credit score, a factor that is key in our target demographic of college students.