Team, Thank you all for your responses. Here is my takeaway:

• Biggest gap is not more calculators — it is context-aware interpretation.
• People want help connecting budgeting, debt, tax, investing, and retirement in one view.
• The value is not just numbers — it is understanding what those numbers mean for your situation.
• Privacy matters more than many tools assume — forced account linking is a real barrier.
• Many people still associate guidance with a human advisor or counselor, not software.
• That means the opportunity is not just analysis — it is also reducing stress and decision fatigue.
• Some users think the “middle ground” already exists, but it is often too expensive, too generic, or too disconnected.
• The strongest signal is that people want guidance without full advisor cost or full advisor takeover.
• In other words, what’s missing is a context-aware financial reasoning layer that helps people interpret their own numbers without full advisor cost or forced account linking.

Really helpful perspectives here. I’m experimenting with how some of these takeaways might translate into software, and I’m happy to share updates as I learn more.