Michael Schmahl

Founder @ aiSmartBudget | Building the GPS for your personal finances.

[Michael Schmahl @mschmahl925]

That's the kind of forward math @aiSmartBudget is built to show. Run your own numbers: https://t.co/nTMPlsgUrd

[Michael Schmahl @mschmahl925]

2.4 percentage points of pay doesn't sound like a major issue, easy to miss with a cursory glance.

[Michael Schmahl @mschmahl925]

Your 401(k) statement shows your balance. It doesn't show you the opportunity cost of under-funding it. Do you know exactly what percentage your employer matches?

[Michael Schmahl @mschmahl925]

Today aiSmartBudget is open to the public. If you've been watching from the sidelines, your Financial GPS is ready: https://t.co/RBCAyzjXuD

[Michael Schmahl @mschmahl925]

You can't drive a car staring in the rear view mirror. Why do personal finance apps only look in the rear view mirror? What happened last month or last quarter. Not one solution gave me a view out the front windshield.

[Michael Schmahl @mschmahl925]

The real surprise over this process was build speed. We estimated it would take 2+ weeks to complete the Plaid bank connectivity integration. It took a day and a half.

[Michael Schmahl @mschmahl925]

Next April, your CPA will tell you exactly what you should have done back in July.

Not because you didn't care. Because the infrastructure wasn't there.

That's the gap @aiSmartBudget was built to close.

[Michael Schmahl @mschmahl925]

The H1 review meeting is already on your work calendar.

At home, that meeting doesn't exist.

[Michael Schmahl @mschmahl925]

Companies making H2 adjustments this week will move the needle by December 31.

Five months of runway.

At home, the analysis never finished.

No adjustments get made. Nothing changes.

[Michael Schmahl @mschmahl925]

How would your financial goals change if you had the same infrastructure at home that your employer uses to set and manage goals at work?

[Michael Schmahl @mschmahl925]

Most financial goals are intentions dressed up as plans.

The difference: a specific dollar amount and a deadline.

[Michael Schmahl @mschmahl925]

That’s the gap aiSmartBudget is built to close.

Full framework — SMART goal translation, finding the leakage, automating the savings, protecting the plan when life pushes back:

https://t.co/DrADKp6Nj2