On the TechTO stage ×1
First seen on a TechTO stage in 2026. Every TechTO talk is searchable — ask the archive about Kristine ↗
In their words
When we work with men, they wonder about the quality of their retirement. What do you think women wonder about? They wonder if they need a roommate. That is how different women and men's financial lives are.
That's how we learned that financial plans are made for rich people.
Our biggest competitor is doing absolutely nothing. It is so easy to just sit and do nothing.
Around the web ×4
Quick answers
What does Untangle Money do?
It gives young women a place to get started with their money. The product takes take-home income, splits it into spending categories, sets aside sustainable retirement savings, then expresses what's left as dollars per hour worked, so everyday spending decisions become intentional.
What did Kristine Beese do before founding Untangle Money?
She was a nationally ranked athlete and an engineer who designed components for a natural gas processing plant. After reading Warren Buffett's shareholder letters and earning an MBA — where she met Buffett — she worked on Canada's largest trading floor as a stock analyst helping wealthy Canadians invest.
Why does she say financial plans are made for rich people?
In Untangle Money's 13-woman pilot, none of the women could afford their financial goals or retirement at 65. With enough money, planning is a prioritization exercise; with less, it becomes trade-offs. She also cites Canada's pay gap — a $10,000–$40,000 annual salary delta that adds up to over a million dollars across a career.