The Money with Katie Show

Decentralized Drug Rehabilitation Network

Inspired by Portugal's successful decriminalization of drugs and its focus on public health, this idea proposes the development of a decentralized digital network that connects individuals in need of drug rehabilitation services with available resources in their local areas. The platform would facilitate access to treatment options, support groups, and educational resources, while also providing a space for empathy and community support. The target audience includes individuals struggling with addiction, their families, and healthcare providers. Features might include anonymous chat rooms, educational content about addiction, and a directory of local services. This approach could help reduce stigma and promote recovery through community engagement.

Community High Score: 7.6/10

From: How Other Countries Used Their Darkest Hour to Radically Reform Their Economies

Public Housing Investment Platform

The idea is to create a digital platform that enables public and private investment in affordable housing projects, inspired by Singapore's Housing Development Board (HDB) model. This platform would facilitate the pooling of resources from various stakeholders, including government entities, private investors, and community contributions, to finance the construction of public housing units. By allowing users to invest directly in local housing projects, the platform could democratize investment opportunities, ensuring that anyone can play a role in developing affordable housing. The target audience includes social impact investors, local governments, and community organizations. Tools like crowdfunding technology and blockchain for transparency could be integrated to enhance trust and participation.

Marketplace Medium Score: 7.0/10

From: How Other Countries Used Their Darkest Hour to Radically Reform Their Economies

Universal Skills Training Platform

This business idea involves creating a digital platform that offers universal access to skills training and education, inspired by Finland's approach to education. The platform would provide a wide range of courses, from vocational skills to academic subjects, all free or at a minimal cost, funded through public-private partnerships. It would incorporate gamified learning, mentorship, and community engagement to foster an inclusive learning environment. Target audiences include students, unemployed individuals, and working professionals seeking to upskill. Collaborations with educational institutions and businesses could enhance the platform's offerings and ensure relevance to job market demands.

Platform Medium Score: 7.8/10

From: How Other Countries Used Their Darkest Hour to Radically Reform Their Economies

Financial Planning Peer Review

This business idea focuses on launching a digital service that connects individuals managing their own finances with vetted financial professionals for one-time, fixed-fee reviews of their financial plans and strategies. The solution targets those DIY personal finance enthusiasts who are comfortable handling day-to-day money matters but seek expert assurance before making big decisions, especially as their portfolios grow larger. By offering a streamlined online platform where users can upload their financial details and receive personalized feedback, the service fills the gap between completely doing it oneself and entering into full advisory relationships with ongoing fees. To implement this idea, a founder would develop a web platform that manages secure file submissions, scheduling, and payments while assembling a network of certified financial planners willing to provide “audit-like” engagements. This service improves confidence by ensuring that self-managed strategies, such as asset allocation or tax planning, are reviewed professionally, reducing costly errors. The primary audience includes mid-level wealth accumulators and side hustlers who have outgrown entry-level advice but are not ready for premium fee-based advisory firms.

Service Medium Score: 7.4/10

From: The Powerful 0.01% Spending Rule, Making Career Shifts, & When to Adjust Your Asset Allocation

Opportunity Evaluator App

This concept is to create an interactive digital tool that applies the '1% rule' for evaluating business or career opportunities. The app would allow users to input details about prospective gigs or projects, such as expected income, required time, and projected impact on net worth, then calculate whether the opportunity meets a preset threshold (i.e., boosting net worth by at least 1%). This helps digital entrepreneurs, freelancers, and side hustlers to objectively rationalize taking on new projects based on their long-term financial benefit rather than just immediate income. The implementation involves designing a user-friendly web or mobile application that integrates a simple calculator and decision framework, along with educational content on opportunity cost and wealth impact. The tool can include scenario analysis, visual graphs, and benchmarking features to help users compare multiple opportunities. It solves the common problem of overcommitting time to projects with insufficient financial returns and assists in effective personal financial strategy. The target market includes professionals looking to optimize their time investment in the digital economy, ultimately leading to more informed decisions when balancing passion projects with financially rewarding ones.

SaaS Low Score: 7.6/10

From: The Powerful 0.01% Spending Rule, Making Career Shifts, & When to Adjust Your Asset Allocation

Wealth-Based Spending Tracker

This idea involves creating a digital tool—a SaaS application—that helps users make smarter spending decisions based on their net worth by leveraging the 0.01% rule. Essentially, the app would link to users’ financial accounts to continuously calculate their net worth and then determine a daily or per-transaction ‘spending threshold’ that aligns with the principle that a small percentage of their growing wealth can be spent without harming long-term financial health. The application would offer notifications or alerts when a contemplated expense exceeds that threshold, thereby serving as a real-time guide on when a cost is acceptable. Implementation would involve developing secure financial data integrations (using APIs from banks or financial aggregators), a simple user dashboard, and personalized spending insights. It can also include educational content on the importance of basing spending on accumulated wealth rather than stable income. The tool targets digital-savvy personal finance enthusiasts, early wealth builders, and individuals in the mid-to-upper wealth tiers looking for an objective measure to curb lifestyle creep. The approach combines financial analytics with behavioral nudges, helping users balance enjoyment and long-term preservation of wealth.

SaaS Medium Score: 8.0/10

From: The Powerful 0.01% Spending Rule, Making Career Shifts, & When to Adjust Your Asset Allocation