Thoughts on expense tracking, building Monavo, and keeping personal finance simple.
Most people don't quit budgeting because they're irresponsible. They quit because they get tired — and most budgeting apps quietly make that worse.
Most people don't quit because they're lazy. They quit because the process slowly becomes exhausting — and most apps make it worse, not better.
Why manually logging expenses — even in a lightweight way — builds financial awareness that automation rarely does.
Every major expense tracker wants to link your bank account. We don't. Here's why that's a deliberate choice — and why it makes the app better.
How we built a transaction parser that uses AI as a fallback, learns from every interaction, and eventually stops needing the AI at all.