Credit Card referral was/is a big business. I remember personal finance bloggers were making $50 dollar for each referral. If mint can convince each customer to get a new card every year, it will be a 500 million dollars business. It is not huge but a sustainable business.
> Many personal finance products are free, but make money by selling data or trying to upsell you on something else that you don't need (like, say, a credit card you don't need or a tax product that is overpriced [2]). This is what happened with Mint. It became a "top-of-the-funnel" lead generation tool for other products.
Question about MonarchMoney. Is it going to be a cloud service or a standalone old-fashion desktop software? Most of serious personal finance people would prefer desktop software in order to protect their own data. However, most consumers prefer a free and hosted solution. Which market is MonarchMoney going after?