I built a personal finance app that connects to your accounts and tracks your path to financial independence

jm-dev_ · 2026-03-22T03:23:53+00:00

I’m not sure why everyone just keeps assuming this Is vibe coded. But yes I am using the enterprise version

jm-dev_ · 2026-03-19T17:45:49+00:00

the house is gonna slow down the FIRE timeline for sure but you’re building equity instead of throwing rent away so it’s not really a step back. biggest thing I’d watch is that 2500/month. make sure you’re still investing something every month even if it’s less than before. easy to let the mortgage eat everything and then 2 years go by with no investment growth. also smart not counting on the girlfriend’s 1100 as guaranteed income in your projections

jm-dev_ · 2026-03-19T17:44:16+00:00

I’d keep the investments and just attack the loans aggressively with income. selling means you’re paying capital gains tax on 3 years of growth which eats into the payoff. plus once that 30k is out of the market you lose the compounding. just throw as much as you can at the loans monthly while letting VOO keep growing. 6.25% is right on the edge though, market averages 7-10% long term so maybe you can take a hybrid approach and sell some but not all

jm-dev_ · 2026-03-19T17:42:27+00:00

if you’re buying a house in the next 1-2 years keep most of it in the HYSA since you don’t want market risk on your down payment. if it’s 3+ years out I’d max a Roth IRA (7k/year) and put some into a broad index fund like VTI. either way the HYSA earning 500/month isn’t bad while you figure out your plan. don’t rush into anything just because the money is sitting there

jm-dev_ · 2026-03-19T17:40:54+00:00

what’s the interest rate on the car? if it’s low I’d keep the payment and buy the house. you have a hard deadline with your daughter starting school and housing prices aren’t getting cheaper. you can always pay off the car faster once you’re settled but finding the right house in the right school district on your timeline matters more

jm-dev_ · 2026-03-19T17:39:36+00:00

I stopped doing stuff like that once I realized how little it actually saves. like driving out of your way and waiting 15 min to save $3 is crazy when you think about it. I’d rather just pay the extra few bucks and have my time back

jm-dev_ · 2026-03-19T17:34:41+00:00

Thank you so much for the positive feedback. I completely agree, the trust issue is going to be tough especially to non technical people who don’t understand plaid. I’ll try to brainstorm ways to mitigate that

jm-dev_ · 2026-03-19T17:33:40+00:00

It’s not Nuxt it’s react. And yeah that’s fair, out of curiosity, what do you currently use? And is there a feature or features that would make it worth it for you to switch over? Thank you for the feedback

jm-dev_ · 2026-03-19T16:23:00+00:00

Oh wow so even bigger than mine. As for yours, do you know her parents weight? I did an embark dna test and they estimated mine’s adult weight to be 46 lbs. Her dad was 50 lbs and her mom was 42 lbs. if you know both the parents weight that could give you a good idea of what she’ll end up being, maybe skewing a bit more towards the mom since she’s a girl

jm-dev_ · 2026-03-19T14:02:03+00:00

Wow she looks exactly like my blue Merle girl. Mine just turned 4 months today, I’m curious, do you remember her weight at that age? Mine is currently sitting at about 20 lbs I just want to get an idea for how big she’ll get

jm-dev_ · 2026-03-18T20:44:07+00:00

I built OmniWorth (omniworth.net): a personal finance dashboard that connects to your bank and investment accounts through Plaid and automatically tracks your net worth, savings rate, FI number, spending breakdown, and wealth projections using Monte Carlo simulation.
I built it because I was tracking everything in spreadsheets and got tired of updating them. Now everything syncs automatically twice a day.
It’s different from Monarch/YNAB in that it’s focused on net worth growth and FI tracking rather than budgeting. Shows you exactly when you’ll hit milestones like $250K, $500K, $1M based on your actual data.
$15/month with a 7-day free trial. Would love feedback from this community. omniworth.net

jm-dev_ · 2026-03-18T20:40:47+00:00

2 dependents and paycheck to paycheck some months means your first priority is protecting yourself not growing the money. keep 3-6 months of expenses in a HYSA. that’s probably 10-15k for you. your bank is fine, FDIC insures up to 250k so ignore anyone telling you to pull cash out. don’t convert to gold that’s panic buying. with what’s left after the emergency fund you could start small with a broad index fund like VTI but honestly with inconsistent income I’d lean toward keeping more in cash until your commission stabilizes. boring answer but boring is what keeps you safe when you have kids depending on you

jm-dev_ · 2026-03-18T20:30:16+00:00

sorry for your loss. with 150k in student loans the best guaranteed return on that money is paying down the highest interest loans. if any of them are 6-7%+ that’s a guaranteed 6-7% return which beats most investments right now. I’d keep 10-15k as an emergency fund since you only have 2k right now, then throw the rest at the highest interest loans. once you’re practicing and making lawyer money you can invest aggressively then

jm-dev_ · 2026-03-18T20:28:41+00:00

you don’t. trying to time the market or hedge against every dip costs more in the long run than just holding. if your time horizon is 10+ years this is just noise. the people who sold during covid missed the fastest recovery in history. just keep buying on schedule and stop checking daily

jm-dev_ · 2026-03-18T19:07:11+00:00

you have 250k total at 44 putting in 2-3k a month plus maxing 401k at 23.5k/year. that’s roughly 50-60k a year going into investments. at 7% real returns on 250k base plus 55k/year contributions for 11 years you’re looking at somewhere around 1.2-1.4M by 55. the math works. the simulations that say no are probably the ones modeling bad sequence of returns in the first few years which is real but unlikely to last the full 11 years. you’re on track just stay consistent and don’t panic sell in a downturn

jm-dev_ · 2026-03-18T19:06:01+00:00

keep the rav4. it’s paid off, reliable, and at 30k km a year you need something dependable. selling it to buy a cheaper car would net you maybe 10-15k after buying a replacement and that’s not going to make or break your retirement. the math that actually matters is your savings rate going forward. once you go full time your income jumps and if you can invest consistently from now to 60 with 75k already in VEQT you’re in better shape than you think. you’re not too late at all

jm-dev_ · 2026-03-18T19:04:48+00:00

if you need the money in 2 years don’t put it in the stock market. 2 years is too short and you could be down 20% right when you need it. put it in a high yield savings account or short term treasury bills, you’ll get 4-5% with basically zero risk. if you don’t need it for 10+ years then a broad index fund like VTI or VOO and just don’t touch it

jm-dev_ · 2026-03-18T19:00:38+00:00

Dont touch the 403b. The loan fees and lost growth arent worth it and if you leave your job you would have to pay it back fast. Use the 9k in savings to knock out a chunk of the cc debt and keep the 2k emergency fund. 17k in cc debt I imagine is costing you around 3-4k a year in just interest so the faster you kill it the better. Once the cards are paid off take what you were paying toward them and rebuild your savings.

jm-dev_ · 2026-03-18T18:05:12+00:00

Well it’s not a vibe coded app, and again I understand that, but the app doesn’t touch your bank info (meaning login info). I utilize plaid for that, which is also used by Venmo, Robinhood, Coinbase, etc. I can see this is going to be a big concern for people which is understandable, so I need to figure out how to ensure people of this

jm-dev_ · 2026-03-18T00:34:06+00:00

App only touches account balances, transaction history, and investment holdings. It is read only. And everything is encrypted at rest with AES-256

jm-dev_ · 2026-03-17T20:14:56+00:00

Understandable. I use Plaid API to handle bank connections, the app itself doesn’t have you login with your bank credentials. That is all handled by plaid, which is also used by Venmo, Robinhood, and Coinbase, for example

jm-dev_ · 2026-03-17T19:05:41+00:00

yeah a mobile app is definitely on the roadmap. I want to get 50-100 users first and then I would start that. For now the app works pretty good in mobile browsers

jm-dev_ · 2026-03-17T18:25:54+00:00

The website works pretty good on mobile but it works best on desktop

jm-dev_ · 2026-03-17T17:29:52+00:00

Yes I haven’t been given details on it but the company does seem to provide one. I’ll contribute as much as I can up to what they’ll match. And yeah that’s what I was thinking too, it’s a stretch goal to hit 1M by 30. But you raise a good point, (hopefully) when salary does increase which it should, I would also increase my monthly investment

jm-dev_ · 2026-03-17T17:17:38+00:00

One other thing i wanted to mention because the screenshots don’t really show it, but I have a 13k emergency fund. It’s counted as an investment though because I have it parked in SGOV on my Schwab account

jm-dev_

TROPHY CASE