9 Downloadable computer application software for mobile phones, web-based environments, and PDAs, namely, software for evaluating user's financial wellness and behaviors, evaluating ways to improve user's financial habits, making payment and debt transactions, managing bank accounts, investment accounts, and savings accounts, including IRA portfolio accounts which enables users to control savings and donate to charities of their choice; Downloadable computer software for evaluating user's financial wellness and behaviors, evaluating ways to improve user's financial habits, making payment and debt transactions, managing bank accounts, investment accounts, and savings accounts, including IRA portfolio accounts which enables users to control savings and donate to charities of their choice; Downloadable mobile applications for evaluating user's financial wellness and behaviors, evaluating ways to improve user's financial habits, making payment and debt transactions, managing bank accounts, investment accounts, and savings accounts, including IRA portfolio accounts which enables users to control savings and donate to charities of their choice