I haven't used YNAB. The central principle of this app, though, is budgeting over time with an estimate and then comparing that estimate to reality and adjusting as you go. I've never found any app that makes this process straight forward.
Also, it's a pure local app. The database it creates is stored on your computer. No cloud.
Currently it can import .csv files that you export from the financial institution or other apps like CoPilot money. Implementing direct bank connections appears to be VERY involved with regulatory hoops to jump through and added expenses. Maybe someday.
The Epoch Times recently had me introduce a pathway that could completely change the economics of higher education in America: a way for students to earn a regionally accredited bachelor’s degree for under $8,000, including fees and books — all while working full‑time. No debt. No wasted years. No ideological pressure cooker. Just real skills, real credentials, and real income from day one.
If this became the norm, taxpayers would save $32,000–$92,000 per college graduate, and young adults would enter the workforce without the financial chains that delay marriage, homeownership, and family formation. It’s the opposite of the traditional system that pushes 18‑year‑olds into debt and leaves them financially stuck for a decade.
This is the kind of personal‑finance revolution Dad Saves America talks about all the time: a practical, scalable way to help young Americans build wealth instead of debt. A bachelor’s degree for the cost of a used car — earned while employed — is the kind of idea that could reset the entire conversation about adulthood in this country.
Saving and investing is where it's at. Compound interest is the 8th wonder of the world
Interesting! I'm curious how you would say your app is similar or different to YNAB?
I haven't used YNAB. The central principle of this app, though, is budgeting over time with an estimate and then comparing that estimate to reality and adjusting as you go. I've never found any app that makes this process straight forward.
Also, it's a pure local app. The database it creates is stored on your computer. No cloud.
A pure local app, interesting! Would it automatically pull transactions from the bank?
Currently it can import .csv files that you export from the financial institution or other apps like CoPilot money. Implementing direct bank connections appears to be VERY involved with regulatory hoops to jump through and added expenses. Maybe someday.
The Epoch Times recently had me introduce a pathway that could completely change the economics of higher education in America: a way for students to earn a regionally accredited bachelor’s degree for under $8,000, including fees and books — all while working full‑time. No debt. No wasted years. No ideological pressure cooker. Just real skills, real credentials, and real income from day one.
If this became the norm, taxpayers would save $32,000–$92,000 per college graduate, and young adults would enter the workforce without the financial chains that delay marriage, homeownership, and family formation. It’s the opposite of the traditional system that pushes 18‑year‑olds into debt and leaves them financially stuck for a decade.
This is the kind of personal‑finance revolution Dad Saves America talks about all the time: a practical, scalable way to help young Americans build wealth instead of debt. A bachelor’s degree for the cost of a used car — earned while employed — is the kind of idea that could reset the entire conversation about adulthood in this country.
If you’re looking for a tool that actually moves the needle on financial freedom, upward mobility, and family stability, this is it. Let’s get this in front of every parent, every student, and every policymaker who wants a future where young Americans can afford to build a life again. https://californiainsider.com/california-news/videos/california-insider-show/how-hands-on-learning-could-change-education-mike-williams-5823845?utm_source=WBshare&utm_medium=email