# Ray Finance for every life stage

Your finances are unique. Ray connects to your bank and gives advice that fits your actual situation — not generic tips from a blog post.

## Target Audiences
- **Freelancers**: Irregular paychecks, quarterly taxes, and feast-or-famine cycles make traditional budgeting tools useless. Ray works with your actual cash flow patterns. [Learn More](/content/for/freelancers/index.html)
- **Couples**: Joint accounts, separate accounts, shared goals, different spending habits. Ray sees all of it together and helps you make decisions as a team. [Learn More](/content/for/couples/index.html)
- **College Students**: Part-time income, student loans, and zero financial education. Ray helps you build real money habits before you graduate. [Learn More](/content/for/college-students/index.html)
- **Parents**: Childcare costs, education savings, growing expenses, and shrinking free time. Ray tracks it all so you can focus on your family. [Learn More](/content/for/parents/index.html)
- **Solopreneurs**: When your business account is your personal account, every financial question has two answers. Ray gives you both. [Learn More](/content/for/solopreneurs/index.html)
- **Retirees**: Fixed income, rising healthcare costs, and withdrawal math that changes every year. Ray monitors your portfolio and tells you when to adjust. [Learn More](/content/for/retirees/index.html)
- **New Grads**: Student loans, a 401k you don't understand, and more money than you've ever had. Ray helps you make the right moves in year one. [Learn More](/content/for/new-grads/index.html)

## Try Ray free

Open source, local-first, and takes five minutes to set up.

```bash
$ npm install -g ray-finance
```
[View on GitHub](https://github.com/cdinnison/ray-finance)