Budget like a normal person
Put in what you make and spend. Add a 24-hour wait on impulse buys or lock money into buckets, then watch the forecast move.
Monthly income
Recurring expenses
Tip: the rose-bordered row is impulse spend. That's what the 24-hour hold targets.
Speed bumps
Saved / mo now
$710
Saved / mo with nudges
$710
+0% ($0/mo)
24-month savings forecast
Behavioral friction isn't about suffering, it just kills autopilot. Over two years that's an extra $0 kept, with no change to your income.
Friction is your friend
Default Bias
Whatever box is pre-checked is what you keep forever.
People stick with the option that is already picked, because changing it takes effort. Companies set that option to whatever pays them.
Hyperbolic Discounting
Now-you keeps robbing future-you.
You want stuff now and barely care about later. Future-you feels like a stranger.
Loss Aversion
Losing $20 ruins your week. Finding $20 is just "neat."
Losing something feels about twice as bad as gaining the same thing feels good. So you fight harder to keep stuff than to get it.