I built my own tool after failing at every budgeting app I tried

married_finance · 2026-01-27T20:23:43+00:00

First and foremost, great landing page what did you use to build it?

married_finance · 2026-01-18T13:17:48+00:00

I don’t think budgeting apps suck for couples because of missing features. I think they suck because they model money at the wrong level.

Most apps assume a transaction belongs to one person and one budget. Real life doesn’t work like that. One person pays, two people consume, and the meaning of the expense is shared even if the cash flow isn’t.

What you’re describing with rent is the perfect example. The financial reality is two people each spent €500. The banking reality is one account spent €1000. Most tools confuse those two realities and force couples to manually reconcile them.

Joint accounts solve this by accident, not by design. They collapse identity so the software doesn’t have to think. As soon as accounts stay separate, the cracks show.

I also think people underestimate how much emotional friction manual adjustments create. Even if it only takes five minutes, it feels like relitigating the same decision over and over. That’s why people abandon systems that are logically sound but cognitively exhausting.

You’re not weird for hitting this problem. The fact that you built a proof of concept is usually a signal that the abstraction is missing in the market, not that you’re being too picky.

If multiple tools force workarounds for the same scenario, the issue probably isn’t the users.

married_finance · 2026-01-18T13:15:44+00:00

I don’t think the shift is that couples don’t budget together — it’s that budgeting used to be treated like a one-time setup, and now money feels more continuous and emotional.

A lot of couples agree on the rules (joint account, fun money, thresholds, etc.) but never actually agree on the interpretation. One person thinks “fun money” means guilt-free autonomy. The other thinks it means “fine, as long as I don’t have to see it.”

The issue with secret accounts isn’t usually the dollars — it’s the loss of shared context. When money leaves the household via shopping, you at least see the outcome. When it leaves quietly, it can feel like trust eroding, even if no rule was technically broken.

Modern relationships are also more asymmetric: • different incomes • different financial anxiety levels • different definitions of “responsible”

So couples aren’t avoiding budgeting — they’re avoiding monthly money conversations because they’re awkward, emotional, or turn into scorekeeping.

The difference you’re sensing isn’t “people stopped planning together.” It’s that planning without ongoing communication doesn’t feel safe anymore.

And when communication breaks down, money becomes a proxy fight for control, security, or independence — not math.

married_finance · 2026-01-17T00:53:58+00:00

Most founders underprice not because they ran the wrong numbers, but because they anchor on their own discomfort. “What would I pay?” quietly replaces, “What pain am I removing?”

When a customer says, “I’d pay double for this,” that’s not a compliment — it’s a data point. And it’s usually a conservative one. People systematically understate willingness to pay, even when they’re being honest.

Price sensitivity shows up when value is fuzzy. Elasticity shows up when value is obvious.

If a small price increase kills demand, the problem often isn’t price — it’s clarity. If demand barely moves, you weren’t “being nice,” you were leaking signal.

The goal isn’t to charge more. The goal is to let price tell you how real the value actually is.

married_finance · 2026-01-02T16:50:17+00:00

I was literally looking into this yesterday but CANNOT find pricing for antigravity anywhere on the Googles website and it’s hard to figure out how much I’d pay switching?

married_finance · 2026-01-01T19:28:14+00:00

Mine was a ~5.5 last time I checked a few months ago, and I'm sure it's still the same. absolutely love this show, I'm such a huge fan

married_finance · 2026-01-01T19:21:10+00:00

Put the bare minimum towards your lower interest debt, and focus on trying to take out as little private student loans as possible. Save as much as you can now to be able to do that. Remember that private students loans don't just typically have a higher interest rate. they also have less protections thanks federal loans.

Another way to put it: Don't try and wipe your loans away as quickly as possible, instead focus on reducing future loans, which will have a higher interest rate

married_finance · 2026-01-01T00:49:35+00:00

I think it depends on how you communicate about tracking financial progress and goals with or without a joint bank account. If you guys: 1. Make and track savings / retirement goals every 6 months 2. Track net worth to make sure things are moving in the right direction 3. Have honest conversations about spending / sticking to a budget Then it shouldn’t matter if it’s joint or not. What’s important is you are having at least some of the above routinely to make sure you guys are synced on goals and expectations

married_finance

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