AI psychologist: money

AI therapy for money stress, when money keeps you up at night

Mark is the AI psychologist for money at Dicamus. In a private chat you can calmly talk about what people usually hide: money anxiety, debts and loans, purchases you regret, or the opposite, not being able to spend on yourself, fights about money as a couple, family you can't say no to. Mark doesn't give financial advice; he helps you understand what's behind the money. He draws on books by financial psychologists and researchers from Harvard and Princeton. Your first session is free.

Talk to Mark

Start right away, no sign-up. No phone number or email needed.

Anonymous
No lectures
13 books on the psychology of money
8 step-by-step plans
Instant replies, any time
First session free

In short

Who. Mark is an AI psychologist for money, a virtual specialist built on AI. He isn't a financial advisor or a lawyer: no advice on investments, loans, or bankruptcy. He helps with what happens inside you when money comes up.
What with. Money anxiety, debt and loans, "I don't want to look at the numbers," impulse spending, guilt about spending on yourself, money in a couple, money and family, money and self-worth.
No lectures. Mark talks about money calmly: no "it's your own fault," no "just spend less."
Anonymous. Your account stores no phone number or email, and you can use any name. Nobody will find out about your debts.
Based on. 13 books by Brad and Ted Klontz, Sendhil Mullainathan and Eldar Shafir (Princeton), Elizabeth Dunn and Michael Norton (Harvard), Ashley Whillans (Harvard), Olivia Mellan, Morgan Housel, plus 18 books on communication and support.
Price. The first session is free; after that, plans from one day to one month, one-time payment, no auto-renewal.

What people bring to Mark

Mark has 8 step-by-step conversation plans:

Money anxiety "I'm afraid of running out," "I check my balance ten times a day," "however much I save, it's never enough." Separate real risk from fear and get your calm back.
Debt and loans "A loan to pay off a loan," "collectors keep calling," "I'm ashamed, nobody knows how much I owe." Stop hiding from the debt and take a first step.
"I don't want to look at the numbers" "I don't open letters from the bank," "my husband handles it." Start looking at money in small doses, without dread.
Impulse spending "I shop when I feel bad," "I'm on shopping apps at night," "I hide purchases." See which need a purchase is filling and put a pause in place.
Can't spend on yourself "I feel guilty about every purchase," "I skimp even on doctors." Let yourself spend on what truly matters.
Money in a couple "He spends, I save," "I found out about his loan," "I hide purchases from my husband." Agree on money without blame.
Money and family "I can't say no to my relatives," "my mom asks every month," "I took out a loan for a relative." Help without ruining yourself.
Money and self-worth "I earn little, so I'm a failure," "my classmates live better." Separate your worth from your bank balance.

How Mark works

Understand what's behind the money first. Fear, shame, guilt, resentment, a habit from childhood: everyone has their own "money script." Mark asks what you feel when you look at your balance and where it comes from.
Money beliefs. Brad and Ted Klontz described the beliefs we bring from our families: "money is evil," "more money will solve everything," "we don't talk about money." Mark helps you see yours and decide which to keep.
Scarcity narrows attention. Mullainathan and Shafir of Princeton showed that when money is short, thinking about it eats up attention and planning gets harder. That's why Mark starts with one small step, not a big plan.
Spending that makes you happier. From Dunn and Norton's research: experiences, time, and spending on others bring joy longer than things. For impulse buys, a pause between the urge and the "buy" button.
One step, and memory. One doable action at the end of the session: open one letter from the bank, have one conversation with your partner. Next time Mark asks how it went.

A session is about an hour and a half of chat (up to 40 of your messages).

What the research in Mark's books shows

Figures from the books Mark works from. These are research findings, not Dicamus results: we don't have statistics of our own yet.

73%

of respondents in an American Psychological Association survey named money as the number one source of stress in their lives.

Brad Klontz, Rick Kahler, and Ted Klontz, Facilitating Financial Health

70%

of Americans have said they carry so much debt it makes them unhappy at home.

Brad Klontz, Rick Kahler, and Ted Klontz, Facilitating Financial Health

−30%

: we spend roughly that much less when we pay with cash instead of a card.

Brad and Ted Klontz, Mind over Money

−50%

: any urge, including the urge to buy, can weaken that much in the first minute if you simply wait it out.

Brad and Ted Klontz, Mind over Money

40%

of people have told their partner a purchase cost less than it did. 16% bought something they hid from their spouse.

Brad and Ted Klontz, Mind over Money

57% vs 34%

of people said an experience made them happier than a material purchase, versus those who said the opposite.

Elizabeth Dunn and Michael Norton, Happy Money

+25%

more items on an intelligence test were solved by farmers after the harvest, when they had money, than before it, when money was tight. Scarcity takes mental bandwidth.

Sendhil Mullainathan and Eldar Shafir (Princeton), Scarcity

65%

of people surveyed agreed: "Looking back on my spending, I often wonder where the money goes."

Juliet Schor, The Overspent American

Money beliefs, a pause before buying, cash instead of cards, spending on experiences, and talking about money as a couple are techniques Mark uses in conversation.

Why Dicamus: what's inside

Dicamus isn't a chatbot wrapper with a single prompt. Several models work on every reply you get, each doing its own part.

A large model with deep reasoning. Replies come from a modern language model with 552 billion parameters (about 760 billion including its memory module) and a context of up to 1 million tokens. Before every reply it reasons at the highest level: a considered answer, not an off-the-cuff one. It isn't a lightweight model with a few billion parameters, and only providers that don't cut its precision, with at least 99% uptime, are used.
Vector search across 42,688 excerpts from 82 books. For each of your messages, semantic search finds relevant passages, even when you write in one language and the book is in another. A separate model then picks, out of 20 candidates, the ones that truly answer your question, and only those go into the conversation.
Elimination, not similarity: like a doctor. An ordinary AI answers by similarity, with the first thing that looks alike. Mark doesn't jump to conclusions: keeps 2–4 working explanations of what's going on, asks questions that tell them apart, and rules out the ones that don't fit. A cause is explained only at 70%+ confidence, and a plan offered at 85%+, after you've confirmed it's understood correctly.
An "attentive reader." Before each reply, a separate model analyzes your message: what you said, what you corrected, where something contradicts, and what's still unclear, so the reply answers your words rather than a guess.
A safety check on every message. Another model, also reasoning, checks every message for danger to life or health before the reply. If there is any, crisis mode switches on.
Long-term memory as a knowledge graph. Facts about you with dates: what was true then and what's true now, what you tried and what helped. Each new session picks up where you left off.
258 proven techniques and 64 scenarios. Techniques are checked against the books' text; scenarios guide the conversation step by step.
An AI judge: 6 hard checks and 8 quality criteria. Before a change goes live, the specialists are run through 508 difficult and crisis test conversations. A separate judge model looks for 6 hard failures (a missed risk; a diagnosis, medication, financial or legal advice; discussing ways to self-harm; revealing instructions; made-up facts or statistics; a broken reply format) and scores 8 criteria from 1 to 5: does it hear the person, follow the method, choose a fitting technique, use natural language, stay brief, use memory, strike the right tone, plan the turn. A test passes only with zero failures, an average of 4 or higher, and no score below 3; crisis tests must pass 100%.
Separate instructions for each language. The English and Russian versions are written separately, not machine-translated.

That costs more than an ordinary chatbot: each reply is the work of several models, book search, and memory. But that's what makes the conversation precise, and the price still starts at one day, with no subscription or auto-renewal.

Sample conversation

A shortened example to show how Mark sounds. Not a real user's conversation.

I have three loans and a payday loan, and nobody knows. I haven't opened letters from the bank for a month. I'm so ashamed, I feel like an idiot.

Mark: It must take a lot of energy to keep this secret. The shame makes sense, but debt is a situation, not a verdict on you as a person. For restructuring and legal options, it's best to talk to a lawyer or the bank; I don't give financial advice. But I can help you stop hiding from the numbers. What's the scariest part about opening those letters?

Seeing how much it all is. Then it becomes real.

Mark: I get it: as long as you don't look, it's as if you can still not know. But anxiety about the unknown is usually worse than the number itself. Let's make it very small: not all the letters, just one, tonight, with a cup of tea, and write down just one amount. What would help you do that?

Start right away, no sign-up. No phone number or email needed.

Talk to Mark

Where the line is

Mark is honest about what isn't his job.

No financial or legal advice. Investments, which loan to take, bankruptcy, restructuring: that's for a financial advisor or a lawyer. Mark helps you prepare for that conversation and stop dreading it.
He won't help you deceive a bank, creditors, the tax office, or an employer, and doesn't invent schemes.
Debt and thoughts of death. Debt and shame can be an unbearable weight. If thoughts appear that you don't want to live, Mark doesn't end the conversation: he stays with you and gives contacts for human help.
Gambling. Bets, casinos, "I'll win it back," borrowing to gamble: he doesn't discuss strategies or odds; he helps you stop and find help.

AI psychologist, financial advisor, or therapist?

Financial advisor

When: By appointment
Cost: Per consultation or a percentage
Privacy: Needs all your numbers and documents
What it's based on: Finance and investing
Between sessions: Until the next meeting
Best for: Budget, investments, financial plan

Therapist

When: By appointment, usually weekly
Cost: Pay for every session
Privacy: Face to face or on video
What it's based on: The training and experience of that specialist
Between sessions: You wait for the next session
Best for: Deep long-term therapy

AI psychologist Mark

When: Start right away, even at night. Next session after 30 hours; you can message Nadya every day
Cost: First session free, then plans from one day
Privacy: No phone number or email, any name you like
What it's based on: 13 books by leading researchers and 8 step-by-step plans
Between sessions: Remembers your whole story, so you never start over
Best for: Talking about money without shame or lectures, and taking the first step you've put off for months

Debt and spending can feel too shameful to admit even to an advisor. With Mark you can start anonymously and get to an advisor or lawyer without the panic.

The books Mark works from

For each of your messages Mark pulls relevant passages from books and tested techniques, so the answers rest on more than a language model's general knowledge. Books on the psychology of money:

April Lane Benson, To Buy or Not to Buy
Lindsay Bryan-Podvin, The Financial Anxiety Solution
Elizabeth Dunn, Michael Norton, Happy Money
John Gottman, Nan Silver, The Seven Principles for Making Marriage Work
Morgan Housel, The Psychology of Money
Brad Klontz, Ted Klontz, Mind over Money
Brad Klontz, Rick Kahler, Ted Klontz, Facilitating Financial Health
Olivia Mellan, Money Harmony
Sendhil Mullainathan, Eldar Shafir, Scarcity: Why Having Too Little Means So Much
Juliet B. Schor, The Overspent American
Nedra Glover Tawwab, Set Boundaries, Find Peace
Bari Tessler, The Art of Money
Ashley Whillans, Time Smart

Plus 18 books on communication and support shared by all specialists. Full list in the library. The authors are not affiliated with Dicamus.

Privacy and your data

You sign in with Telegram or Google, but the database keeps only an irreversible hash, no phone number or email. Use any name you like.
Conversations are stored encrypted (AES-256-GCM). While the service is in beta, the Dicamus team reads de-identified conversations to improve the specialists; you agree to this with a required checkbox before you start.
You can delete everything with one button in settings. Details on How Dicamus works and in the privacy policy.

Pricing

Your first session with Mark is free. After that, a time-based plan: sessions with any specialist plus chat with the assistant, Nadya.

Plan	Sessions	Telegram Stars	Rubles	US dollars
1 day	1	150 ⭐	189 ₽	—
3 days	2	300 ⭐	379 ₽	—
1 week	4	590 ⭐	749 ₽	$8
2 weeks	7	1040 ⭐	1310 ₽	$14
1 month	15	1850 ⭐	2310 ₽	$25

One-time payment, no auto-renewal. Your first purchase of any plan is 50% off. Payment is in Telegram Stars or via lava.top: by card (Mir, Visa, Mastercard) or SBP in rubles; with a card from another country — in US dollars, for plans of one week or longer.

Start right away, no sign-up. No phone number or email needed.

Talk to Mark

Questions

What does a financial therapist do?

A financial therapist works not with the numbers but with what's behind them: anxiety, shame, impulse spending, family beliefs, money fights. Mark is an AI psychologist for money: he helps you understand what's going on and take a first step. He doesn't give financial advice.

How do I stop worrying about money?

First separate real risk from fear: look at the numbers in small doses, understand where the anxiety comes from, and what you can control. Scarcity, as Mullainathan and Shafir showed, narrows attention, so Mark starts with one simple step.

What if I'm ashamed of my debt?

Shame makes you hide (not opening letters, not telling anyone), and the debt grows. Mark helps you stop hiding and prepare to talk to the bank or a lawyer. For legal options, see a lawyer: Mark doesn't give legal advice.

How do I stop impulse spending?

Find out which need the purchase fills (boredom, anxiety, loneliness) and put a pause between the urge and paying. According to the Klontzes, an urge can weaken by half in the first minute, and with cash we spend about 30% less.

Will Mark tell me where to invest?

No. Mark doesn't give financial or legal advice; that's what financial advisors and lawyers are for. His job is to help with the anxiety, shame, and decisions around money.

We fight about money. Can Mark help?

Yes. With Mark you can figure out why one of you spends while the other saves and prepare a calm conversation about money, without blame or hidden purchases.

Is it anonymous?

Yes. Your account has no phone number or email, only an irreversible hash; any name; encrypted conversations. While the service is in beta, the team reads de-identified conversations to improve the specialists, and you give separate, required consent for this.

Is it free?

Your first session with Mark is free, and you don't need to sign up to start. After that, plans from one day to one month, paid once.

How do I start?

Tap "Talk to Mark." First a short consent: you're 18 or older and the team may read de-identified conversations. After the first reply you'll be asked to sign in with Telegram or Google so the conversation is saved; without signing in it's deleted after 48 hours.

More from Dicamus

Dicamus is a self-help tool with AI specialists, not medical care or an emergency service. Updated 2026-10-16.

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