Continue the journey toward lifetime spending stability
Phase 2 is the optional, opt-in continuation of your DoublePenniesOnline LLC research participation — designed to support your household with restricted, trust-managed spending across the categories that matter most to everyday life, for the long term.
Built on the DPO Exponential Growth Spending Model™. Grounded in stewardship. Available only to participants who have completed Phase 1 and choose to opt in.
A guided consumer-spending and stewardship program
Phase 2 is the long-term arm of DoublePenniesOnline LLC's research into lifetime spending patterns, household continuity, and dignified consumer stewardship. Its purpose is to offer participants the opportunity to maintain steady, responsible spending across the categories that keep households whole — for as long as they remain enrolled.
It is designed to help you:
- Meet real household needs without falling behind
- Support your family, or be supported within your family values
- Strengthen your financial habits through structured stewardship
- Enjoy meaningful experiences without compromising essentials
- Grow in stewardship across faith, family, finances, and fun
- Continue participating in long-term consumer-spending research
All Phase 2 spending occurs inside a trust-protected, restricted-spend environment that keeps purchases reasonable, responsible, and aligned with the stewardship mission of the program.
Faith · Family · Finances · Fun
Stewardship is the principle Phase 2 sits on. Each pillar shapes how the program is structured and how participants are expected to engage with it.
Faith
Anchors the purpose of stewardship and informs how we treat one another.
Family
Spending should strengthen households, support dependents, and create memories.
Finances
Disciplined, restricted, trust-protected spending builds long-term stability.
Fun
The joyful fruit of responsible living — built on the prior three, not at their expense.
What your Phase 2 subscription unlocks
One $20 monthly subscription unlocks every Phase 2 consumer spending category. Each category has its own dedicated program page with qualified expenses, rules, and stewardship guidance.
Life's Basics
Groceries, utilities, household supplies, child care, public transportation, and emergency reserves.
Quality of Life
Family gatherings, travel, health and fitness, hobbies, and meaningful bucket-list experiences.
Education
Pre-K through Ph.D., trade, career, and lifelong skills development — supported across every stage.
Financial Challenges
Gateway to programs addressing the most common household pressures — from health costs to retirement gaps.
Low-to-Moderate Income Households
Tailored support for households within HUD-defined income brackets, with additional bridging resources.
Consumer Debt Pay-Off
Eligible unsecured consumer debt addressed through the DPO Exponential Growth Spending Model™.
View the full list of non-qualifying goods and services → — categories Phase 2 spending will not be approved for.
Lease with earned credit, not endless payments
Phase 2 also includes asset-based Earned-Credit™ lease programs. Each monthly lease payment builds equivalent credit toward the value of the leased asset. Once your accumulated credit reaches the asset's value, no further lease payments are required on equivalently-valued leases of the same asset class.
Asset programs are handled separately from monthly consumer spending and have their own pages with qualification rules, qualified expenses, and stewardship guidance.
Home Leasing
Earned-Credit™ toward home equity, with covered furnishings, taxes, insurance, maintenance.
AvailableAuto Lease Earned-Credit
Earned-Credit™ toward vehicle MSRP, with fuel, insurance, maintenance, and accessories covered.
Coming SoonRV Leasing
Earned-Credit™ toward recreational vehicle equity, with maintenance and insurance support.
AvailableBoat Leasing
Earned-Credit™ toward boat acquisition cost, with safety gear, slip fees, and upkeep covered.
Coming SoonMotorcycle Leasing
Earned-Credit™ toward motorcycle value, with safety course, gear, and maintenance support.
AvailableResponsible spending vs. wasteful spending
Your Phase 2 spending account is a tool entrusted to you. Stewardship means using it for genuine improvement of household quality of life — not unchecked accumulation. Below are the working principles that distinguish the two.
ResponsibleEncouraged
- Spending that meets real household needs
- Purchases that improve quality of life based on family values
- Items kept and used through most of their economic life
- Coordinated household spending (shared items shared, not duplicated)
- Investments in education, health, and family memory-making
- Spending that supports jobs and the broader economy
WastefulNot Approved
- Unnecessary duplicates within the household
- Excessive or premature replacements (e.g., annual TV upgrades)
- Luxury goods purchased outside genuine household need
- Items purchased for resale
- Replacing consumer goods before their economic life ends
- Three participants in one household buying three of the same shareable item
Stewardship is more than how you spend
Phase 2 expects participants to engage with stewardship across four dimensions of daily life. These shape the entire research environment and protect the integrity of the program for everyone enrolled.
Work or Volunteer Service
All participants are expected to contribute to society through work or volunteer service — targeted at 40 hours per week — unless medical or caregiving circumstances prevent it. Parents with infants are accepted within an exemption window until the child is daycare-eligible.
Education and Growth
Participants are expected to keep growing — through ongoing skills development, training, or lifelong learning. Education is itself a Phase 2 spending category.
Family Values
Whether your household is traditional, blended, found, or chosen, family values frame how spending supports the relationships closest to you. Reliability and empathy first.
Community Participation
Phase 2 is shared learning. Respecting the program, the trust, and other participants keeps the entire research environment healthy and sustainable.
What Phase 2 is not
To protect participants and the integrity of the research, Phase 2 is explicitly not any of the following:
It is a restricted-spend, trust-protected research environment operating under NAICS 541720 — Research and Development in the Social Sciences and Humanities.
Tax clarity
Phase 2 spending is restricted, non-cash, trust-protected, usable only for approved categories, and part of a documented long-term research experiment. Because of this structure, what participants spend under Phase 2 is designed not to function as income or compensation.
Participants do not receive income, compensation, or financial gain. They receive restricted research value usable only inside the experiment.
DoublePenniesOnline LLC does not provide tax, legal, or financial advice. Participants are responsible for understanding their own personal tax situations and should consult a qualified professional with questions specific to their circumstances.
Things participants ask first
What can I spend on?
All approved Phase 2 categories: Life's Basics, Quality of Life, Education, Financial Challenges support, LMI household resources, Consumer Debt Pay-Off, and the asset-based Earned-Credit™ lease programs. Each category page lists qualified expenses in detail.
Why are some purchases restricted?
To protect the integrity of the research and ensure spending serves household stewardship. See the non-qualifying goods and services page for the full list of categories Phase 2 will not approve.
Why is work or education required?
Stewardship requires participation, growth, and contribution. Phase 2 is designed for participants engaged with their community and household, not as a passive income substitute.
Why is there a $20 monthly subscription?
The subscription supports the trust-managed research environment and keeps your Spending Account active. One subscription unlocks every Phase 2 category — there are no per-category add-on fees.
How long does Phase 2 last?
Phase 2 is designed for a lifetime of participation. As long as you remain subscribed and engaged with the stewardship expectations, your Spending Account stays active.
Can I withdraw funds?
No. All Phase 2 spending occurs inside the trust-protected, restricted-spend environment. The funds are not cash, are not withdrawable, and are not transferable.
How do I enroll in Phase 2?
Phase 2 is voluntary and requires explicit opt-in. After you've completed your Phase 1 participation (up to ten research orders), you'll be presented with the Phase 2 opportunity and can choose to subscribe. You are never auto-enrolled into Phase 2 without affirmatively opting in.
What if I want to cancel?
You may cancel your Phase 2 subscription at any time. Cancellation ends future access to Phase 2 categories; the trust-managed funding structure follows the rules established in your Phase 2 informed consent agreement. Reach out with cancellation questions.
Continue your stewardship journey
Phase 2 is available to participants who have completed Phase 1 and choose to opt in. If you've completed your Phase 1 orders, reach out about Phase 2 subscription enrollment. If you're new to DPO, start with Phase 1 first.
Phase 2 enrollment requires explicit opt-in by the participant. By subscribing, you agree to the Terms & Conditions, Privacy Policy, and the Phase 2 Informed Consent Form (to be provided at enrollment).