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Taking a step back, who is your target audience?

YNAB is probably one of the simplest budgeting applications in the market. It's successful because it only does budgeting, has extensive training, has a strong community, and emphasizes fiscal responsibility as a lifestyle. However, it's aim is for people who realize they need a budget, but don't know how to do it.

> 4. Honestly, I want to build something that matters. I think I can support these yearly costs, even with a donate button (no ads).

I think we all do, but if you set out to build "something that matters", you're setting yourself up for massive disappointment. Either define a market and build for them, or build the tool for yourself, and tell others about it. Before you can make $100, you need to make $1.

Your comments about forecasting are interesting. The biggest issue with it is variability. You can develop a plan to make $3000 in 3 months, but then have an unexpected car repair that your car repair fund can't fully cover. However, I don't think that's a strong enough argument to deter you from doing it.

I guess my questions would be how strong are you at budgeting and ML?



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