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by swashq 160 days ago
Cool idea. One thing that could differentiate this from "another budgeting app":

Add market context to the coaching. Right now most finance apps show spending in isolation. But "should I invest?" is different when: - S&P is at ATH vs down 20% - Fed just raised rates vs cutting - Your industry is laying off vs hiring

A few data points that could make the coaching smarter: - Historical market returns (so "invest in index funds" has numbers behind it) - Inflation rate (to show why cash loses value) - Average savings rate by age bracket (peer comparison)

The "memory" system you built could remember their risk tolerance AND market conditions when they made past decisions, then reference both.

1 comments

yeah, thats a pretty helpful take! That's in my product roadmap for future after getting early customers.

Inherently, I'm thinking for now to build something actually useful for personal finance growth and then move on towards investing side as well.

As of now as well, it does a web search behind whenever there's a change going on in market. but thanks for the suggestions!

would love to give u a try of the app if you're down.