Most finance apps answer a simple question:
"Where did my money go?"
After trying dozens of budgeting and expense-tracking tools, I realized something interesting:
I already knew where my money was going.
Food delivery.
Subscriptions.
Shopping.
Travel.
The categories weren't the problem.
The behavior behind them was.
Why do some purchases feel impulsive while others feel intentional?
Why do certain spending patterns repeat every month?
Why do people who know personal finance principles still struggle to follow them consistently?
The more I thought about it, the more I realized that money management isn't only a finance problem.
It's a behavior problem.
Most tools focus on transactions.
Very few focus on the patterns that create those transactions.
As developers, we're surrounded by data.
But data becomes valuable only when it helps explain why something is happening, not just what happened.
This idea has sent me down a rabbit hole of behavioral analysis, pattern detection, AI systems, and how technology can help people become more aware of their habits.
I'm currently exploring these concepts while building a side project and documenting what I learn along the way.
Over the next few weeks, I'll be sharing lessons about:
- Building products in public
- AI and intelligent systems
- User behavior analysis
- Startup development
- System design decisions
- Mistakes, experiments, and learnings
This is my first post here, and I'm excited to learn from the community.
What's one thing you've learned while building a product that completely changed your original assumptions?
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