Financial Planning App for Millennials and Gen Z

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Financial Planning App for Millennials and Gen Z

Inspired by a conversation on:

BiggerPockets Money Podcast

BiggerPockets Money Podcast

Net Worth By Age In 2025 (Are You Above Average?)

Host: Mindy Jensen and Scott Trench

Timestamp: 32:44 - 33:10

Listen to Episode • View Podcast • All Ideas from BiggerPockets Money Podcast

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Feather Flow

Direct Quote

"It's just that 25 years of compounding is going great."

Market Gap

Younger generations struggle with financial planning and investment.

Younger generations often face unique financial challenges, including lower wages, student debt, and the rising cost of living, which can complicate their ability to save and invest effectively. Many millennials and Gen Z individuals feel overwhelmed by financial planning and lack the tools to manage their finances efficiently. There is a growing need for a solution that simplifies financial planning, encourages saving, and provides tailored investment strategies that resonate with their lifestyle and values.

Summary

Developing a mobile app that focuses on financial planning specifically for millennials and Gen Z can help address these challenges. This app would offer budgeting tools, investment tracking, personalized savings goals, and educational content that demystifies financial concepts. Integrating gamification elements could encourage user engagement and make learning about finance more enjoyable. By providing a user-friendly interface and actionable insights, this app could empower younger users to take control of their financial futures and cultivate healthy financial habits early on.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
High
Time to Revenue
6-12 months
Initial Investment
$10,000-$50,000

Potential MRR (18-24 months)

Conservative
$5,000 - $10,000 MRR
Moderate (Most Likely)
$20,000 - $40,000 MRR
Optimistic
$100,000 - $200,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
9/10
Novelty
8/10
Feasibility
6/10
Market Potential
9/10
Evidence
8/10
Overall
7.8/10
Found on October 7, 2025 • Analyzed on October 7, 2025 2:07 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:

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