Cool idea. One thing that could differentiate this from "another budgeting app":

Add market context to the coaching. Right now most finance apps show spending in isolation. But "should I invest?" is different when: - S&P is at ATH vs down 20% - Fed just raised rates vs cutting - Your industry is laying off vs hiring

A few data points that could make the coaching smarter: - Historical market returns (so "invest in index funds" has numbers behind it) - Inflation rate (to show why cash loses value) - Average savings rate by age bracket (peer comparison)

The "memory" system you built could remember their risk tolerance AND market conditions when they made past decisions, then reference both.