Also, I have alot of friends who dont put much thought into their finances. Is there a way for me, as their friend, to put in general/non-personal info about my friends and send them a summary of deals/credit/cards/savings/etc they're missing out on?
Re: surpises: I think the #1 thing is that we can find optimizations for EVERYONE. Like even people who think they've got everything in place, we can find significant tweaks/improvements.
It's the difference between keeping it all in your head vs. having a database of all the best financial products out there applied to your situation.
Re: friends - just send them over to us! The magic really happens when we can get a complete picture of someone (which doesn't take too long - the form is about 15 mins), that way we're giving them truly the best recommendations.
For example, people have come to us saying, "Where should I invest?" not understanding that they're in high-interest debt and should really focus on getting out of debt vs. trying to figure out what crypto platform to use.