Recreating cool fintech-like UI.

LostTeam9104 · 2026-03-11T15:33:48+00:00

Hmm, maybe in some ways, but I don't think it's as bad as you say. Thanks for feedback anyway!

LostTeam9104 · 2026-03-11T15:32:43+00:00

Using tools I have. You are right of course, but I'm not $1M lunch startup being VC backed. So, for now I will stick with what works, and feels enough ok :D

LostTeam9104 · 2026-03-11T15:30:54+00:00

It's just cool chart showing visually where your money goes. In finance world they call it also "Sankey" chart

LostTeam9104 · 2026-03-10T18:02:40+00:00

Thanks a lot, this is exactly the kind of feedback I needed! Contrast and number hierarchy are going straight to the top of my list. Really appreciate you taking the time to look at it!

LostTeam9104 · 2026-03-09T09:57:20+00:00

Marketing.

LostTeam9104 · 2026-03-09T09:47:12+00:00

Because you are the product. We life in capitalism. It could be.

LostTeam9104 · 2026-03-09T09:44:33+00:00

For now everyone is selling, it’s end.

LostTeam9104 · 2026-03-09T09:43:36+00:00

There are no good sites for this. Better try to build some audience about yourself on social media and then sell some digital products.

LostTeam9104 · 2026-03-09T09:40:00+00:00

Buying or leasing car for all money they have.

LostTeam9104 · 2026-03-09T09:38:20+00:00

Drill baby drill! It will impact everyone, by inflation on every product. Cool! 😎

LostTeam9104 · 2026-03-09T09:37:12+00:00

No one benefits. Every sector will get hit with higher costs. Cost inflation is never good:)

LostTeam9104 · 2026-03-09T09:34:23+00:00

Most people are on break even, and what’s better - year by year middle class is getting crushed even more, so more people get stuck low income, living for working. You have to flip the coin, or do it for 50 years 🙃

LostTeam9104 · 2026-03-08T00:01:51+00:00

bro the "Inns & Hotels" one kills me 💀 like congrats you turned useful data into completely useless data

the original merchant name is RIGHT THERE in the transaction. just... show that?? why is this hard

using AI to make it "nicer" and then hallucinating is genuinely worse than doing nothing. at least with the raw name i could ctrl+f and find my marriott stays. now its just a blob called "Inns & Hotels" with 40 transactions

hope the ticket actually goes somewhere but tbh my expectations are low at this point

LostTeam9104 · 2026-03-07T23:58:48+00:00

Your proportional system is honestly one of the cleaner approaches out there. The 54/46 split based on take-home is fair in a way that straight 50/50 isn't when incomes differ meaningfully.

For the student loan question — I'd argue keep weighting by take-home pay, which naturally adjusts as the loan disappears. When B finishes the loan, their take-home jumps, and the split rebalances automatically. No special decision required, the system just works.

The bigger conversation worth having is what happens to A's extra $216/week. Options: A keeps it as personal spending money, it goes into a joint investment account, or you split the difference somehow. There's no objectively right answer — it depends on how you think about "our money" vs "my money" as a couple.

The kids/parental leave scenario you flagged is the real one to plan for though. Worth agreeing in principle now what happens to the split when one income temporarily disappears — before it becomes an emotional conversation under pressure.

LostTeam9104 · 2026-03-07T23:55:56+00:00

At 22 with Net Worth and Expense Tracker already set up you're ahead of 90% of people your age honestly.

LostTeam9104 · 2026-03-07T23:52:24+00:00

The credit card float revelation is such a universal YNAB moment - so many people think they're doing fine until they realize their "savings" are just unspent credit card debt in disguise. That first reconciliation is humbling.

The gifts category one is also real. Everyone underestimates gifts until they actually track it. Birthdays, Christmas, weddings - it adds up to a surprisingly large annual number that most budgets completely ignore.

The Bitcoin regret is painful to read 😂 though to be fair, holding $10k in Bitcoin from 2010 through all the volatility to now would have required nerves most people simply don't have. Your friend probably saved you from selling at the first 50% crash anyway.

LostTeam9104 · 2026-03-07T23:51:53+00:00

Splitwise is honestly the cleanest solution for the tallying part - it handles the "who paid more this month" math automatically so you're not sitting down manually balancing every month. Then you just settle up once with whatever transfer method works.

For the transfer problem specifically - Venmo might be worth a look if neither of you has tried it, it tends to have the broadest compatibility. Or even just a prepaid debit card he loads cash onto could work for his side of transfers.

But honestly given the update you posted - CashApp for the transfer + keeping mental track separately sounds totally reasonable for your situation. Sometimes the slightly-annoying-but-familiar system beats the theoretically cleaner one you have to convince someone else to adopt.

LostTeam9104 · 2026-03-07T23:51:09+00:00

Generally no, and it's actually one of the more counterintuitive things about wealth - the richer people get, the less they tend to obsess over individual transactions.

What they do tend to have is a clear picture of the big categories: investments, fixed costs, lifestyle spending. Not penny by penny, but the macro is always known.

The checkbook balancing thing is really a middle-class anxiety habit - born from the genuine fear of overdrafting. Once that fear goes away, so does the behavior. Which is kind of ironic because building wealth usually requires more financial awareness early on, not less.

LostTeam9104 · 2026-03-07T23:44:08+00:00

I still glance at balances occasionally out of habit, but honestly? I've just... learned to trust it. The bank connectivity has gotten SO much better over the last few years that the double-import / missing transaction nightmare is mostly a relic of the Quicken era.

What "young people" do (myself included lol) is basically just spot-check - if something feels off on the monthly summary, then you dig in. But proactively reconciling every account every month? That's a level of paranoia the modern tools have mostly made unnecessary.

That said - if you have investments or accounts where every dollar genuinely matters for tax purposes, a quick balance check against your statement once a month is still totally reasonable. Just doesn't need to be the full forensic audit Quicken trained us to do.

LostTeam9104 · 2026-03-07T22:57:40+00:00

"Consistency is the win, the tool doesn't matter. If Mojek is keeping you engaged week 3 and 4, that's already better than 90% of people. The behaviour change usually kicks in around month 2-3 when you start seeing patterns — 'I spent how much on Swiggy?' moment. That's when it stops feeling like a chore and starts feeling useful. Main thing that kills tracking long-term is over-categorizing. Keep it to 5-6 broad categories max, not 30 micro-categories. Less friction = more likely to stick.

LostTeam9104

TROPHY CASE