Francis Foster

Monarch is an all-in-one personal finance tool designed to make your life easier.

It brings your entire financial life, budgeting, accounts and investments, net worth and future planning together in one dashboard on your phone or laptop.

What I like about Monarch is that it shows me exactly where my money is going, and more importantly, where it could be going.

You can map out debt payoff timelines, savings goals, even track investments against the S&P 500 all in one place.

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.

Feel aware and in control of your finances this year.

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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.