Do it and you pay $0. Miss it and it's charged, and 80% of it goes to a charity you pick.
Every Sunday night I write a beautiful plan, in the good pen, and by Wednesday it's under a pizza box. Lists didn't work on me. Streaks didn't work on me. Twenty of my own dollars sitting on my card with a clock running did. So I made the app.
i'm the Teller. i write it down.
He watches while your dare is live and keeps the receipt. He has never once been impressed.
how it works (two drags and a hold)
1 · set itdrag up for money
Slide up, the ladder lights up rung by rung like a tiny runway. Up to $50 by default, you can raise your max to CA$250. Please don't on day one.
1 · set itdrag down for the clock
One minute to 48 hours. Pick how long it actually takes you, not the guy in the ad.
1 · set itkeep your thumb down to lock it in
Twelve little ticks, the screen goes warm. Lift early and nothing happens. Panic right after? There's an undo.
2 · go do ityour bank sets it aside
Like a hotel deposit, in Canadian dollars. Do the thing, it's released, nothing charged. Miss, it's charged.
2 · go do itphone in your pocket, the clock keeps going
My favorite part. The edge of the screen drains like a bath, the phone goes in your pocket, you go. Want out while it's live? Withdraw, free, $0.
3 · say sodid it? $0.
Honor system. Tap i did it, it's released, nothing charged. The Teller does a tiny hop. He'll deny it.
the money
where the money goes, in plain words
Locking in sets the amount aside on your card.Your bank holds it like a hotel deposit, nothing is charged yet. It's in Canadian dollars, so if your card isn't Canadian your bank may convert it and add a fee.
Did it? $0.It's released and nothing is charged. Your bank might take a few days to drop the pending line, banks are like that.
Missed it? The stake is charged.Runners High Group Limited (that's my company) gives 80% of it to the charity you pick and keeps 20% for payment fees and running the app. It's our donation, not yours, so there's no tax receipt.
Want out while it's live? Withdraw, free.Any time before the clock runs out. It's released in full, $0, no reason needed.
Never answer at all?It's released by itself within about five days. Silence never charges.
Up to CA$250 a dare, 18+.Or the age of majority where you live, if that's higher. Honestly, start way lower than that.
a story, made up
meet Sam.
Sam isn't real, I made Sam up to show a few weeks with the app, it's not a testimonial. You know a Sam though. Sam owns a foam roller still in the plastic. I am, honestly, a Sam.
the shoes
Sam bought running shoes in March. Good ones, the box has a little window. They live in the box by the door, and Sam steps over it every morning like a sleeping dog that wants a walk.
tuesday
One Tuesday Sam drags up to CA$20, a dinner Sam would be annoyed to lose. Then down to a 45 minute clock, because Sam has no idea how long a 3k takes and suspects the answer is rude.
thumb down
Thumb down, the ring fills. Locked in. Twenty bucks set aside on Sam's card, nothing charged. Waiting. Smug.
the run
Phone in the pocket. Sam runs, Sam hates it, a man walking a very old pug passes Sam twice, and the pug isn't even trying. You don't have to love it. That was never the deal.
i did it
38 minutes later, wheezing, Sam taps i did it. Released. $0 charged. Sam eats a banana standing up in the kitchen like it's a medal.
weeks two to four
Three more at CA$20, all released. Then one rung up to CA$50 for a 5k. The three clean ones rule. My rule, not a study.
the thursday
Thursday. 5k, CA$50, two hour clock, plenty. Halfway along the route is a bakery, and at four the cardamom buns come out, coiled tight, crackly sugar on top, the middle so soft it pulls apart in long buttery ribbons that steam when you open them. Sam stops for one. Then a second one. The clock runs out somewhere in bun two. Sam taps no, I didn't, and it's charged: $40 to Start2Finish, the kids' running and reading charity Sam picked, $10 runs the app. The receipt goes to the witness, Sam's sister Priya, a dental hygienist who has never missed a flossing appointment in her life. She texts back one word. "Bun."
the comeback
The part I care about most. Sam didn't jump to CA$100 to make it back, that's chasing, watch for it in yourself. Back to CA$20, a longer clock, and an if-then first: if I see the bakery, then I cross the street. Released. $0. The shoe box went in the recycling.
Sam's made up. The app and the buttons are real.
the science
why money on the line works on your brain
I went way deeper on the research than an app with a cartoon banknote needs. None of these studies tested this app, they explain how brains work. The short version:
your brain learns from surprises
Your reward-learning system mostly reacts to the gap between what you expected and what happened. You braced to lose twenty and got $0. Better than expected. That's the moment it learns from.
Separate systems in the brain. A stake won't make the laundry fun, it makes the laundry hard to ignore.
Berridge & Robinson, Brain Research Reviews, 1998
losses weigh more
Losing twenty usually stings about twice as much as finding twenty feels good. Researchers argue about the exact number, and for tiny amounts it can vanish, so pick a stake that matters to you.
The original idea: miss your run and the money goes to a friend. Your buddy gets a beer, plus a week of being unbearable about it, which is the real prize.
That version still exists. The app and its little server are open source, run your own copy with a friend: github.com/tonymach/BetOnYourself. (The repo might be private for a bit while I tidy it.)
BET ON YOURSELF · the beer edition
dare ........ go for a run
clock ....... 45m
stake ....... 1 beer
witness ..... your friend
result ...... MISSED
owed ........ 1 beer, cold
note ........ cheers
Bet On Yourself is a commitment device, not gambling. There's nothing to win and no odds, the only way to pay is to not do what you said you would. For adults 18 or older (or the age of majority where you live, if higher). Stakes are in Canadian dollars, up to CA$250 a dare. If money on the line has ever been hard for you to stop, this isn't for you, and that's totally okay. In the US you can call or text 1-800-MY-RESET, any time; elsewhere, your local problem gambling helpline.