Francis Foster

The visual breakdowns make it obvious what needs adjusting.

It shifts you from feeling guilty about past spending to actually making forward progress.

And if you share finances with a partner, you can view everything together or separately

which makes these conversations a lot easier.

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Let's look at the positives because I know that's not on brand for me and people are going, what's going on?

But there have been some positives.

For instance, one of the positives, and this was a couple of years ago, was Mark Zuckerberg in his infinite wisdom said we should have Instagram for kids.

And there was a huge backlash against that and it didn't happen, which I think we can all agree was an enormously positive thing.

So what else has been going on that we can say that's positive?

We're starting to move this conversation in the right direction.

And you've also got to have faith with people as well.

You look at every movement, whether it's wokeism or whatever it may be, there's always going to be a backlash.

There's always going to be a pushback against that.

I think with what we're seeing with AI and everybody being super online and everybody, most people, not enjoying being online as much as they are or as much as they pretend to be, I think you're going to see a kind of neo-Luddite movement, like the hipster movement, but on steroids as a result of all of this stuff.

Fantastic stuff.