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Do you have product market fit, and just need to do more marketing? If so, I would keep going. Otherwise, I'd probably be a bit burnt out after 3 years of no PMF.

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How do you tell product market fit? we have about ~1K paid users, people constantly send positive praises, but also many people churned away.

I doubt if "bootstrap" is the right way for this type of product/market.

The famous PMF survey (how do you feel if you can no longer use this), %50.8 responds with "very disappointed". And I deeply know this product is pretty unique offering in "finance tracking" market.

But the MRR stays in this level for 6 months now. I feel I do not have ideas to break it through.

Sounds like you certainly found a market. Do you have any estimates on how big that market is, and thus how much of the market you have captured?

And then from there, figuring out what the rest of the market is using, and why.

Thanks! Some competitor did pretty well, the total addressable market should be huge enough, for example Intuit Mint claims to have 10M (free) users, some funded companies benefits a lot from its shutdown.

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