The idea behind You, LLC — “Run your finances like a business” is that businesses tend to be careful money but when it comes to individuals, that’s not always the case. So the app exists to provide people with a simple and private place where they can enter their financial situation (income, expenses, assets, and liabilities) and then use those inputs to craft a debt payoff plan. The app intentionally does not link to bank accounts / loans because I want users to go into their bank statements and look at the interest rate they are paying– and also see how many times they are going to Chipotle each week. There's a handy calculator built right in that's readily available on each screen in the upper right hand corner and also built into text inputs. My hope with the income statement, balance sheet approach is that if students start to use this, they can get a nice introduction to accounting (I'm a former-ish certified public accountant) There’s a cool PDF Financial Statements section under account settings tab where you can see your personal income statement, balance sheet, and debt payoff plan in a more formal format. Similar to how companies like Apple or Nvidia would report their earnings and financial position. Two final important notes– 1. When adding auto loans and mortgages in the app, that gets done in the income statement section under housing and auto. Press the add button and enter the loan details (enter your outstanding balance, remaining months, and interest rate and you will get your monthly payment). Now, the reason I mention this is because mortgage and auto loan *minimums* are included in the expense section, not in the debt section. Why? Because they're generally fixed and important expenses. We need somewhere to live and we also need a method to go places. So again, only the minimum required payment on those loans is included in the respective housing and auto expense section. Any extra money you pay above your mortgage or auto is included in the debt payments section on the income statement. Other types of loans such as student loans or credit cards get entered on the balance sheet and will populate the minimum payment plus any additional above minimum in the debt section. You'll see what I mean when you start using it, but it can be a little confusing initially. *Just remember mortgage and auto minimums are in expense section, any extra goes in the debt payments section on the income statement. All other debts are fully in the debt payments section on the income statement. 2. The app is completely private! Well, you can sign up with your email but if you use Apple and don't share email they'll use their private relay and it'll be completely completely private! Which is sweet. AI models are eating everything these days so I wanted to provide that feature because well, finances can be a sensitive and private thing. With this, it means that there's no cloud storage or backup. So if you delete the app your data is gone and the data won't transfer to your multiple devices.. i.e. iPad and iPhone. Just use it on one device and you'll be good. If people like the app, or if they want cloud backup we can cross that bridge when it comes.