From analysis paralysis to actual clarity
In my banking days, I'd review business accounts and personal portfolios. The pattern was obvious—people who categorized their spending consistently made better decisions. Not because they were smarter or earned more. They just knew where their money actually went.
But when friends asked me for help with their finances, I found myself recommending tools that were either too complex or too generic. Spreadsheets that required accounting knowledge. Apps with fifty preset categories that didn't match anyone's actual life.
I started sketching out a different approach on weekends. Something that would work for the single parent juggling childcare costs. For the tradies tracking materials versus labour. For anyone who just needed to see their spending patterns without learning a new language first.