0.01% Spending Rule App

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0.01% Spending Rule App

Inspired by a conversation on:

The Clark Howard Podcast

The Clark Howard Podcast

09.30.25 Ask An Advisor With Wes Moss

Host: Wes Moss

Timestamp: 20:00 - 24:30

Listen to Episode • View Podcast • All Ideas from The Clark Howard Podcast

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Feather Flow

Direct Quote

"Don't sweat that. Your time is more valuable."

Market Gap

People struggle with decision fatigue over small spending choices.

Many individuals face decision fatigue when it comes to spending money, often overthinking small purchases that do not significantly impact their overall financial health. This can lead to unnecessary stress and anxiety about financial choices, detracting from the enjoyment of life. People tend to fixate on minor expenses instead of focusing on larger financial goals or necessities. As financial literacy increases, there is a growing need for tools that simplify spending decisions, especially for those who have achieved a level of financial comfort but still find themselves worrying excessively over small expenditures.

Summary

This business idea focuses on developing a mobile app that incorporates the 0.01% spending rule. The app would allow users to input their total net worth and automatically calculate the 0.01% threshold for spending, helping them make informed decisions about minor purchases without the stress. The app could feature reminders and tips for users on when it’s acceptable to spend without guilt, encouraging a healthier mindset towards financial decisions. Potential target audiences include individuals seeking financial peace of mind, young professionals, and anyone interested in improving their spending habits. The app could also include features like budgeting tools, spending trackers, and educational resources about financial literacy.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
Medium
Time to Revenue
3-6 months
Initial Investment
$1,000-$10,000

Potential MRR (18-24 months)

Conservative
$2,000 - $4,000 MRR
Moderate (Most Likely)
$10,000 - $20,000 MRR
Optimistic
$30,000 - $60,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
8/10
Feasibility
7/10
Market Potential
9/10
Evidence
7/10
Overall
7.8/10
Found on September 30, 2025 • Analyzed on September 30, 2025 12:02 PM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Technical to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

Would you like me to help you create a specific validation plan for your medium difficulty idea?

2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 3-6 months, here's my recommendation:

Technical Strategy:

  • Start with no-code tools for rapid prototyping
  • Consider your technical background and available $1,000-$10,000
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I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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