Users would like the app to analyze their financial situation and provide tailored budgeting advice, helping them to make better financial decisions based on their unique circumstances.
M(44) $150k salary, take home is roughly $6400 a month after taxes, benefits, HSA, FSA, and 401k contributions. We stupidly racked up $20k in credit card debt that has been causing me anxiety. We have about \~40k in savings/emergency funds and around $860k in my 401k. Mortgage/Escrow is $2200 a month and we have a car payment of $640 a month. I would like to increase savings/emergency funds a lot this year as I am sure my company will take part in AI related reductions in the next 9 months. CEO is convinced there is 20-25% gain in engineering productivity and will cash that in at some point. I received $35k in restricted stock and should have roughly $10k in bonus check coming. Should I save this incoming money and transfer the credit card debt to a 0% credit card and pay it off monthly or should I just pay off the debt now? And I know we were dumb. I make a lot of money compared to some but we are cleaning up our act and budgeting.