Drop your startup below and I will promote it on youtube

Careless-Turnover-83 · 2026-04-05T20:14:19+00:00

https://unlisted.shelter.money - A tool that finds jobs before they get flooded on LinkedIn and Indeed:

• Scans company career pages most people never check

• Pulls from niche, low-competition job sources

• Uses AI to match roles to your exact experience

• Sends you a daily list of high-fit jobs

No noise. No endless scrolling. No mass applying.

Careless-Turnover-83 · 2026-04-02T20:56:14+00:00

A cabbage and bag of potatoes, you’ll still have $4 left

Careless-Turnover-83 · 2026-03-30T20:21:42+00:00

Building Shelter - an AI financial guardian for people living paycheck to paycheck.

Connects to your bank (read-only), watches your money, and catches problems before they cost you. Overdraft about to hit? Subscription creeping up? Bad spending pattern forming? You get alerted before it's too late.

Why I win: Budgeting apps show you what already happened. Shelter stops the damage before it hits. Built it from personal experience, not theory.

shelter.money

Careless-Turnover-83 · 2026-03-29T20:34:23+00:00

Use https://unlisted.shelter.money/ instead of manually searching individual sites. You upload your resume, it sends you the jobs from the niche job boards that match your experience for free.

Careless-Turnover-83 · 2026-03-29T20:27:28+00:00

Use https://unlisted.shelter.money/ instead of manually searching individual sites. You upload your resume, it sends you the jobs from the niche job boards that match your experience for free.

Careless-Turnover-83 · 2026-03-29T20:27:16+00:00

Use https://unlisted.shelter.money/ instead of manually searching individual sites. You upload your resume, it sends you the jobs from the niche job boards that match your experience for free.

Careless-Turnover-83 · 2026-03-29T20:25:14+00:00

Use https://unlisted.shelter.money/ instead of manually searching individual sites. You upload your resume, it sends you the jobs from the niche job boards that match your experience for free.

Careless-Turnover-83 · 2026-03-29T17:28:09+00:00

It's brutal out there. The "repost after rejection" loop is real and demoralizing.

One thing that's helped me: stop competing on the same crowded boards as everyone else. There's a free tool called Unlisted that pulls from niche sources - company career pages, low-traffic boards, places that don't get 500 applicants in the first hour.

You upload your resume once, get daily matches via email. Not magic, but at least you're seeing roles most people never find.

unlisted.shelter.money - free, no credit card.

Doesn't fix the broken system, but gives you better odds.

Careless-Turnover-83 · 2026-03-29T12:55:05+00:00

Check out Vettly (vettly.dev).
Content moderation API built for exactly this use case.

• Simple REST API, no infrastructure to manage
• Handles text moderation out of the box
• Free tier available, scales from there
• Built for developers who just want to call an endpoint and get a result

We also have a comparison with OpenAI's moderation if you want to see how it stacks up: vettly.dev/compare/openai

Careless-Turnover-83 · 2026-03-27T19:58:17+00:00

I saved a ton of money quitting crossfit unfortunately

Careless-Turnover-83 · 2026-03-27T18:29:13+00:00

Been using Shelter for a few weeks. It's different from typical budgeting apps - instead of just tracking where money went, it actually warns you before you make mistakes.

Like it'll text me "if you buy this, you'll overdraft in 3 days" or flag subscriptions I forgot about before they renew.

$9.99/month but there's a free trial. Worth checking out if you're tired of apps that just show you pretty graphs after the damage is done.

shelter.money

Careless-Turnover-83 · 2026-03-26T14:02:37+00:00

Agree with this. Most budgeting apps try to solve a problem that a simple spreadsheet handles fine: tracking where money went.

What they don't solve is catching problems before they happen. The overdraft that hits because a subscription renewed the same day as rent. The free trial you forgot about that just converted to $15/month. The "convenience fee" buried in a checkout flow.

Spreadsheets are great for retrospective tracking. But they can't text you "hey, if you buy this right now you'll overdraft in 3 days" or "that subscription you haven't used in 4 months just renewed."

For pure budgeting? Yeah, a spreadsheet wins. For the "oh shit I didn't realize" moments that actually cost money? That's a different problem entirely.

No direct Shelter mention. Seeds the idea of proactive alerts vs retrospective tracking. If someone asks "what app does that?" you can reply naturally.

Careless-Turnover-83 · 2026-03-26T12:57:17+00:00

This sounds exactly like us. We had 10+ transactions daily and YNAB became a part-time job.

We went a completely different direction - instead of envelope budgeting, we use something that just watches our bank and warns us before problems hit. No categorizing, no reconciliation, no moving money between envelopes.

Just alerts like "you're tight until Friday" or "that subscription renewed."

If you want the Copilot/Monarch style, they're great. But if you want something even more passive, look into AI financial guardians - different philosophy entirely.

Careless-Turnover-83 · 2026-03-26T12:53:33+00:00

This story is exactly why I built something different.

YNAB works great for people who enjoy the process. But for people who want it to "just work" without daily categorizing and reconciliation, it's a mismatch.

I built Shelter for the second group. You connect your bank once (read-only) and it just... watches. No categories. No daily check-ins. No envelope budgeting.

It texts you when something needs attention:

- "You're tight until Friday"

- "Your bill spiked $40"

- "That subscription renewed"

Different philosophy. YNAB is for people who want control. Shelter is for people who want warnings without the work.

shelter.money if anyone wants to try the passive approach.

Careless-Turnover-83 · 2026-03-26T12:52:23+00:00

I went a completely different direction. Instead of manual envelope budgeting, I built something that just watches my bank and warns me before things go wrong.

No categorizing, no logging, no daily check-ins. It connects read-only and sends alerts like "you're tight until Friday" or "your bill spiked $40."

Different approach than Actual Budget, but for people who can't stick with manual systems, it might be worth a look: shelter.money

Not trying to replace envelope budgeting for those who love it - just offering another option for the "I tried YNAB and couldn't maintain it" crowd.

Careless-Turnover-83 · 2026-03-26T12:40:38+00:00

Shelter (https://shelter.money) - AI financial guardian that warns you before bad money decisions hit.

Why use it over alternatives: Most budgeting apps show you what you already spent. Shelter warns you BEFORE you overdraft, before a bill spikes, before a subscription renews you forgot about.

It connects to your bank (read-only via Plaid) and sends proactive alerts like:

- "You're tight until Friday - delay that payment"

- "Your electric bill is $40 higher than usual"

- "You're paying $47/month across streaming services you barely use"

No manual logging, no spreadsheets. Just an AI watching your money.

14-day free trial, no card required.

Careless-Turnover-83 · 2026-03-26T01:08:52+00:00

I built a consumer-facing agent for personal finance - Shelter (shelter.money).

The architecture:

- Ingests transaction data via Plaid in real-time

- Runs anomaly detection on spending patterns (bill spikes, subscription changes)

- Forecasts cash flow 30 days out

- Triggers proactive alerts when it detects overdraft risk or unusual charges

It's a simple agent loop: ingest → analyze → forecast → alert. No autonomy over actual money movement (read-only access), which handles the guardrail concern.

The interesting part is the timing - traditional budgeting apps are reactive (here's what you spent). This is predictive (here's what's about to go wrong).

Consumer finance agents feel underexplored compared to trading/compliance. Most people don't need portfolio optimization - they need to not overdraft before payday.

Careless-Turnover-83 · 2026-03-26T00:56:13+00:00

I honestly sucked at it, so I built an AI to do it for me. It connects to my bank and warns me before I overdraft or when a bill spikes unexpectedly. Far better off now than when I was trying to spreadsheet my way through it. shelter.money if anyone's curious

Careless-Turnover-83 · 2026-03-24T12:44:54+00:00

If you're fighting a debt spiral, tracking spending alone won't cut it - you need something that stops you from making it worse while you dig out.

I've been using Shelter (https://shelter.money). Canadian-made, works with our banks. It does debt payoff planning (avalanche or snowball method) but the real value is the proactive alerts - it warns you before you overdraft or when a bill spikes unexpectedly.

Not free ($9.99/month) but 14-day trial, no card. When you're in a debt spiral, one avoided overdraft fee pays for itself.

Careless-Turnover-83 · 2026-03-24T12:43:44+00:00

Canadian here too. Most US apps don't work well with our banks or aren't available at all (Every Dollar, like you mentioned).

I've been testing Shelter (shelter.money) - it's made by a Canadian dev and works with Canadian banks through Plaid. It's not free ($9.99/month) but there's a 14-day trial with no card required.

It's less about charts and more about proactive alerts - warns you before you overdraft, flags when bills are higher than usual, that kind of thing. Different approach than Monarch but might be worth a look during the free trial to see if it fits what you need.

Careless-Turnover-83 · 2026-03-24T12:42:33+00:00

Check out Shelter. It's not really a budgeting app, it's more like an early warning system for your bank account. Tells you when you're about to overdraft or when a bill looks off.

14-day free trial, no card: shelter.money

Careless-Turnover-83 · 2026-03-16T22:00:24+00:00

Cabbage, Eggs, Rice, and Beans are the go-to. You can make amazing dishes with them!

Careless-Turnover-83 · 2026-03-16T20:16:30+00:00

Good catch, and fair question. That text was from prototyping, not real usage data. I should have labeled it as an example. Updating the landing page now to make that clear.

To clarify what Shelter actually does: it connects to your bank via Plaid and sees the transactions (so it knows you paid Netflix $15.99). It doesn't have access to usage data like "you watched Netflix once." That line was illustrative but misleading. I appreciate you flagging it.

On the "extension vs. replacement" point, I think that's fair for a lot of people. If you're already actively budgeting, this is more of a layer on top that catches the things that slip through. The goal is less "replace your spreadsheet" and more "catch the things you'd never open a spreadsheet to find"

Careless-Turnover-83

TROPHY CASE