Hey, @aloksmartpath here. Excited to be part of the YC community and, more importantly, helping the underserved majority with personal finance. As background, I've taught over 10K low and moderate wage employees personal finance after leaving a career at Bain. The most striking challenge for over 90% of participants was consistently spending less than they made..and even knowing if they're on track. I believe we're on the right path to making an impact. Open to questions, comments, and any/all perspectives on how to address this problem. Would love to get more people involved.