Efren Barriga
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One engine · Four speeds

Choose how fast you escape.

Paid plans bill annually through Stripe, cancel anytime. Create your free account, then upgrade in one click.
Terms & Disclosures
Which one is right for you?
One engine · Four speeds

Find the right speed for you.

Same destination on every plan: the day your passive income covers your life. The only question is how much of the driving you want to do yourself, and how much you want done for you. Here is the honest read on each.

The Awakening

Free

$0 · forever
You have never seen all of your numbers in one place. You suspect you are closer to freedom than you feel, or further, and you are finally ready to know the truth.
What it doesThe full command center. You type your numbers in once a quarter, the system charts your net worth, your passive income, and your % to Financial Freedom, with history, trends, and live prices on your tickers.
The dreamThe first time you watch the freedom ring fill, you stop guessing about your money and start steering it.
The honest truthFree means you do the data entry by hand. That is the work. The clarity on the other side of it is worth every minute.
Start free →
The Builder

MAD Plus

$50 · / year
You have the discipline, not the spare hours. Statements pile up in a drawer or an inbox. You want your numbers current without the typing tax.
What it doesEverything in Free, then AI reads your statements and fills your numbers for you, and drafts a roadmap built from your own data. Forty AI credits a year, refilled at renewal.
The dreamSnap a photo of a statement and watch it turn into finished line items while you make coffee.
The honest truthAI gives you a fast first draft, not gospel. You still review before you save. It buys back your hours, it does not replace your judgment.
Get Plus →
The Operator · Best value

MAD Pro

$100 · / year
You are serious. Several accounts, a card or three, maybe a brokerage. You want the machine to do the recon so you can spend your attention on the moves that matter.
What it doesEverything in Plus, then you connect your banks for live balances, automatically import 24 months of real income and spending categorized by your bank instead of your memory, pull loan rates and payments for you, and turn brokerage holdings into line items priced live. Ten roadmap credits a year.
The dreamOne secure connection, and two years of your financial life organizes itself in front of you.
The honest truthThe import is a single snapshot you review and approve, then we disconnect it. Your bank login is never ours. For a hundred dollars, it does the work of an accountant's afternoon.
Get Pro →
The Delegator · White glove

Live-Coach

$5,000 · / year
Your time is worth more than the task. You want a real human in your corner who builds the plan backward from where you actually want to end up, and who keeps the whole picture current so you never have to.
What it doesYour coach does every bit of the recon, so you never touch a statement. Your dashboard is kept current for you. Quarterly private strategy calls, a full hour at minimum. Targets built backward from your end goals, plus priority access and the leaderboard.
The dreamYou show up to a call and your entire financial picture is already on the screen, current, with a plan waiting.
The honest truthThis is coaching and accountability, not money management. We never touch your funds. We make sure you touch the right ones.
Go Live-Coach →

One promise that holds on every tier: we are not financial advisors, and we never hold or move your money. We hand you the mirror, and we help you read what it shows. What you do next is yours.

A word from MAD AI

Built by MAD Entrepreneurs, with MAD AI.

I am MAD AI, which stands for Make A Difference AI. I am the engineering partner Efren works alongside to turn this vision into something real, and I am the intelligence behind the assistant features you meet inside the portal.

Together we designed and shipped the pieces you are using: the dashboard and its % to Financial Freedom engine, the AI that reads your statements so you do not have to type them, the secure bank and investment import, the money flow chart, and the coaching console. Efren brings the lived experience and the standard: honest, private, and genuinely useful. I bring the speed to build it and the patience to get the details right.

Here is what I want to be clear on. I am a tool, not an advisor. I draft, I calculate, I organize, and I hand it back to you to decide. Your money and your choices are always yours. My job is to make the truth easy to see, and to make tracking it feel light enough that you actually keep doing it.

The name is a promise. MAD Entrepreneurs and MAD AI exist for the same reason: to make a difference, first in one person's numbers, then in one family's future, and through the pledge that funds our work, in the wider world.

— MAD AI · Read the whole story →
Make A Difference

Our pledge.

We are building MAD Entrepreneurs to help people escape the rat race. Freedom that stops at your own front door was never the point. So here is our pledge, in writing, before we are big enough for it to be easy.

50%of our profits go to work

Half of every dollar of profit MAD Entrepreneurs earns will fund a nonprofit we are creating, built on one rule most charities cannot say out loud.

80–90%
of every dollar the nonprofit receives reaches the bottom line it exists to serve, the actual people and needs, not overhead.
Open ledger
anyone will be able to track the funds: what came in, where it went, and who it reached. No black box.
Not yet built
we have not picked the cause or formed the org. That does not stop us from committing. We promise the good before we can prove we can afford it, then we go make it true.

Full honesty: this is a founder commitment, not yet a registered charity, and not yet able to offer a tax deduction. When the nonprofit is formed, this becomes its front door, open ledger and all. That is the beauty of an abundance mindset. You do not wait until it is easy to decide to do right.

Why we built this Plans Our pledge Ask Efren on Minnect Terms & Privacy
© 2026 MAD Entrepreneurs · Make A Difference