Delayed Purchase Savings Application
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Delayed Purchase Savings Application

Inspired by a conversation on:

Optimal Finance Daily - Financial Independence and Money Advice

Optimal Finance Daily - Financial Independence and Money Advice

3265: Patience is the Ultimate Passive Income by Chris of Keep Thrifty on Long-Term Financial Freedom

Host: Chris of Keep Thrifty

Timestamp: 00:01:25 - 00:03:41

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Direct Quote

"The reward for your patience for doing absolutely nothing? Almost $500."

Summary

This business idea involves creating a mobile application that helps users delay their purchases to save money. The app can feature a user-friendly interface where users can input items they wish to buy, and it will provide insights on how much they could save by waiting. For example, when a new smartphone is released, the app can notify users of the price drop trends and suggest when to buy based on historical data. Additionally, it could calculate the potential earnings if the saved amount were invested instead of spent immediately. The target audience includes budget-conscious consumers who are looking to improve their financial habits and save money strategically. Strategies for implementation could include partnerships with financial institutions for investment tips and integrating price tracking technologies to provide real-time updates on product pricing.

Categorization

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

Scores

Clarity
8/10
Novelty
7/10
Feasibility
7/10
Market Potential
8/10
Evidence
6/10
Overall
7/10
Found on August 30, 2025 • Analyzed on August 30, 2025 9:17 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:

  1. Customer interviews: Talk to Generalist 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
  • 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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