Personal Finance Goal Setting App

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Personal Finance Goal Setting App

Inspired by a conversation on:

Earn & Invest

Earn & Invest

671. Rewind: Fifteen Money Tips Regardless of net Worth w/ Shannah Game

Host: Jordan Grumet (Doc G)

Timestamp: 00:15:31 - 00:17:11

Listen to Episode • View Podcast • All Ideas from Earn & Invest

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Feather Flow

Direct Quote

"We have to be able to attach an emotion around what we're saving for or it's not going to happen."

Market Gap

People struggle to connect financial goals with emotional motivation.

Many individuals find it challenging to save money without a clear emotional connection to their goals. For instance, saving for retirement might seem abstract and distant, leading to procrastination. When people cannot visualize what their savings will achieve or how it will enhance their lives, they often fail to commit to these financial goals. Current budgeting apps may not emphasize the emotional aspect of saving, hence they fall short in motivating users to stick to their plans. By neglecting this emotional connection, individuals may find themselves unmotivated and overwhelmed, leading to a lack of financial progress.

Summary

The concept is to develop an app that allows users to set personal finance goals while attaching emotional significance to each goal. Users can define what their savings will mean to them—like buying a home or funding travel—and set milestones to track their progress. The app could use visual aids, reminders of the emotional connection, and gamification elements to encourage users to stay on track. This app would target millennials and Gen Z who are looking for innovative ways to manage their finances while also seeking meaning and purpose in their financial decisions.

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 - $5,000 MRR
Moderate (Most Likely)
$10,000 - $20,000 MRR
Optimistic
$40,000 - $80,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
6/10
Market Potential
8/10
Evidence
7/10
Overall
7.2/10
Found on October 9, 2025 • Analyzed on October 9, 2025 9:58 AM

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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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