I'm building Envelope — a banking product purpose-built for envelope-style budgeting.
Most “budgeting banks” (Ally Buckets, Wells Fargo Budget Watch, etc.) bolt budgeting on after the fact. Envelope was designed from day one as an integrated budgeting bank account. The checking, savings, and debit cards are all built around real-time envelope balances.
Each envelope acts like a dedicated account with its own balance and optional virtual card. Spending directly from an envelope means your budget is always accurate — no syncing, no spreadsheets, no “catch-up” categorization. Everything runs on-ledger with automatic spend-locking and instant visibility.
We’re a small YC-backed team (former Robinhood and Apple Card team members) focused on rebuilding personal finance from the ground up to be simple, and transparent https://envelopebudgeting.com
This week I’ve been working on predicting upcoming paychecks with Nodejs so we can automatically decide how much funds to move into your budgets when you get paid. I pull the past 3 months of transaction data from our Postgres database using Prisma and run some analysis.
People think syncing and delayed transaction data is normal, and I’m working on changing that by having the budgeting built in to the checking account. Along with a high yield savings account, goal envelopes, bill envelopes, etc, joint accounts, etc.
That's the only part I don't like about the Switch OS, and, yes, it's very bad. And it always baffles me why they wouldn't improve the app that generates revenue of all things.
And you can only buy one game at a time, and have to enter your password in for each one? I like to do all my game research and shopping in one evening and buy 3-4 games at a time. If there's a way to do this I would love to know how!
I worked on the Twitter iOS app. Can confirm my kid isn’t allowed a phone until they’re a teen. Once they get one, I’ll be spending hours figuring out how to MDM brick the thing so they can’t get anywhere near social media.
Having said that, I’m still an app dev (personal finance & budgeting) and I’m excited to onboard my kid into that world.
There's also the "FreeVee" items, which have ads regardless of whether you're a prime subscriber or not. And it feels like a lot of their catalog has been transferred over to FreeVee.
I bought a used Apple Watch
for sleep tracking for $230. It took a few days to get used to sleeping with a watch on but I have a 1.5 yr old daughter and it’s been a game changer to quantify how much I’m waking up for her and how my nightly routine impacts my productivity.
There are apps in the App Store that give you a sleep score.
> Sure there's more money in the Western app ecosystem for iOS apps, but that doesn't mean your app should inherently cater for iOS first
That's exactly what it means. When I was at Twitter, the Android app generated 1/10th the revenue of iOS. If you care about building a business that generates revenue, you should definitely cater to iOS first.
> If you care about building a business that generates revenue
You missed the end of that sentence "... in the first world". The ignorance or arrogance to assume all businesses that are started are aiming for first world markets. You think entrepreneurs in Africa, South and Central America, Asia are all aiming to expand into Europe and the US? That Third World business problems don't exist and solely cater for Third World needs?
It never fails to amaze me at the absolute arrogance of these assumptions, as if the Global South isn't relevant in technology or entrepreneurship. Truly astounding.
Most “budgeting banks” (Ally Buckets, Wells Fargo Budget Watch, etc.) bolt budgeting on after the fact. Envelope was designed from day one as an integrated budgeting bank account. The checking, savings, and debit cards are all built around real-time envelope balances.
Each envelope acts like a dedicated account with its own balance and optional virtual card. Spending directly from an envelope means your budget is always accurate — no syncing, no spreadsheets, no “catch-up” categorization. Everything runs on-ledger with automatic spend-locking and instant visibility.
We’re a small YC-backed team (former Robinhood and Apple Card team members) focused on rebuilding personal finance from the ground up to be simple, and transparent https://envelopebudgeting.com