# The Layby

> A savings-to-goal plan for families funding braces. This is a plan, not a loan.

The Layby helps a family find the monthly braces payment already in the month, then prove a week of it.
A mix is a short list of places that payment can already live.
It is a plan they take home, not money we found for them.
First tenant is Michelle's orthodontic practice.
The coupon book is the habit.
The product is the thermometer: you saved $38, that is eight days of braces.

## Site

- Home: https://thelayby.com
- Example mix: https://thelayby.com/plan?payment=150&quote=6000
- This week’s braces news: https://thelayby.com/news
- Privacy policy: https://thelayby.com/privacy
- Terms of use: https://thelayby.com/terms
- Product thesis: https://github.com/shannonhorn/TheLayby/blob/main/docs/PRODUCT.md

## Who it is for

A parent who just heard a monthly number around $150 at an orthodontic consult.
They already want braces.
They think they cannot make the payment.

## What it is not

- Not a lender
- Not a Groupon clone
- Not Mint
- Not a charting app
- Not a promise that every family can capture $150

## How it works

1. Leave a consult with a plan from the monthly number on the estimate.
You can type that number or send a photo. We read the monthly number and throw the photo away.
2. Use five deals a week, not forty.
3. Watch the thermometer move in days of braces.

This week’s five stay through Sunday.
A new five start Monday.
They are an example stack, not a live vendor book.
Families pick the kinds of deals they will actually try, then type what they kept.
The thermometer only moves on the amount they typed.

You leave with a mix from your monthly number, this week’s five deals, a way back to that plan, and this line: we will never share or sell your data.
This is not a loan.
If you do not have the monthly payment in your budget, we will say so.

## Honest limit

Coupons will not fix a month that truly does not have the monthly payment.
If the gap is real, wait, use FSA or HSA dollars first, ask for a longer term, or look at public programs.