Automated Investment Tool for Savings

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Automated Investment Tool for Savings

Inspired by a conversation on:

Rich Habits Podcast

Rich Habits Podcast

136: The Easiest $678K You’ll Ever Make

Host: Austin Hankwitz and Robert Croak

Timestamp: 18:25 - 19:19

Listen to Episode • View Podcast • All Ideas from Rich Habits Podcast

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Feather Flow

Direct Quote

"The easiest way anyone can begin investing towards their future is on public.com."

Market Gap

Investors struggle with making consistent investments from small savings.

Many individuals want to invest their savings but find it challenging to commit to regular contributions, especially when they are managing multiple financial obligations. The podcast highlights that small, consistent investments can lead to substantial wealth over time, yet many are deterred by the perceived complexities or lack of knowledge about investing. This issue is particularly relevant for younger generations who are more familiar with digital finance but may lack the discipline to invest consistently without automated assistance. As a result, many miss out on potential growth opportunities.

Summary

This business idea proposes developing an automated investment tool that helps users consistently invest their savings into a diversified portfolio. The tool would allow users to set up rules for automatic investments based on their savings goals, such as rounding up purchases or setting aside a specific percentage of their income. Users could choose to invest in ETFs, stocks, or other assets, with options for risk assessments. The target audience would include young professionals and millennials who are keen on investing but need a simple, automated system to facilitate their contributions. The platform could also offer educational resources to help users understand their investment choices better.

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)
$8,000 - $15,000 MRR
Optimistic
$25,000 - $40,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
7/10
Market Potential
9/10
Evidence
8/10
Overall
7.5/10
Found on September 22, 2025 • Analyzed on September 22, 2025 12:47 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

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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
  • Plan for scalability from day one

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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