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Charlie develops text message applications that simplifies personal finance. It uses the same 256-bit SSL-encryption that banks use. It insists on connections to websites. Further, Charlie does not collect or share personal information. Charlie lets users debt-free goal years faster by paying slightly more. What Charlie does is it creates a plan to make debt-free, automatically set money aside to pay down your debt, keep an eye on spending to make sure you avoid fees, and always get the best prices on the services.