We are soon launching on PH a pretty cool way to pull all our wealth together - FOLO is Family of Loved Ones and gets rid of year end excel sheets that we try to pull together. Download FOLO on Playstore or Appstore in India. Feedback is welcome.

Hey Hunters, I m Vishal, Co-founder of FOLO and this is a deeply personal build.

Every year, like most of us, I d sit down with an Excel sheet pulling data from my bank, demat account, mutual funds, loans, and real estate trying to figure out where I actually stand financially.

It was always the same: confusing, fragmented, and outdated the moment I finished it. We realized the problem wasn t the numbers.
The problem was disorganization.

Hey everyone,

I m currently working on a behavioral-fintech idea.

The idea came from noticing how strongly emotions influence how we handle money. Stress often leads to impulse spending, motivation fades before consistent saving happens, and guilt stops people from looking at their finances at all.

Here s what I m trying to build:
An app that helps people turn emotions into mindful financial habits. Every time a user logs how they feel (e.g., sad, stressed, happy), a small, preset amount (decided by them) is transferred to their joy fund - a personal savings goal like travel, concerts, or long-term savings.