How does the coaching work?
Wendy learns how you actually spend, then coaches in small daily moments instead of one monthly review you ignore.
Most money apps show you a chart and leave. Lertha is built the other way round: the chart is the least interesting part, and what matters is whether anything changes next month.
What Wendy actually does
- Learns your pattern first. Before advice, Wendy works out how you handle money: what you protect, what slips, where the month goes wrong.
- Coaches in small moments. Short nudges through the month, not one guilt trip at month end.
- Explains, never scolds. Every number comes with what it means and what to do next.
- Keeps score in one place. The Freedom Score turns the whole picture into one number that moves when your habits do.
Is Wendy giving me financial advice?
No. Wendy coaches habits: spending, saving, planning and follow-through. She does not give financial, investment, tax or legal advice, and she will not tell you which asset, stock or fund to buy. For regulated advice, speak to a licensed adviser.
Still stuck?
Ask Lertha reads these pages and cites them. If it cannot help, it passes your question to the team and a person replies by email.
Last updated 19 September 2026
What is Lertha?
Lertha is a personal finance coaching app for Nigeria. It reads your money picture and coaches you daily. It is not a bank and never holds your money.
What is the Freedom Score?
One number, updated daily, for how much room your money gives you. It moves with your habits, not your salary.