that's pretty interesting that u want it to be strict but still not judgemental lol, but somewhat true that could feel like a coach. id be curious to use it
I like the instinct, but I think the framing is off.
Most people already know what to do. They know eating out less saves money. They know carrying a balance is bad. The problem isn’t knowledge, it’s that the consequences don’t feel real in the moment.
Money decisions are made by present-you and judged by future-you. Most tools talk to neither. If your real advantage is memory, then the product isn’t advice. It’s continuity. It’s reminding me that past-me cared about something and current-me is quietly changing the deal.
“Three months ago you said this mattered” is more powerful than any chart or benchmark. If you lean into that, this could be super interesting but pls don't blend into optimizations for consumer ai.
And I agree on your point that this isn’t about income but about impulse and right steps