Show HN: Continuum – Financial simulations for DIY multimillionaires | Hacker News Reader

Show HN: Continuum – Financial simulations for DIY multimillionaires

continuum-app.xyz

7 pointscharleswcho12 comments

Hey HN, I'm Charles, the solo founder of Continuum (https://continuum-app.xyz/).

Continuum is a financial planning web app for people with 1-15M. It helps you create simulations of job offers, house purchases, and life events. Its goal is to replace human advisors that cost thousands, or even worse, take AUM fees of 1%.

The MVP includes AI voice onboarding, scenario and mural creation, and 4 modules. The simulation math engine is code to ensure determinism. The LLMs don't do any simulation math.

Demo: https://youtu.be/EDUK26Rs0cE?si=hCSdgSDkgKJt3Ni2

The biggest technical challenge has been tuning the mural generation not to hallucinate. Lot's of weird bugs!

The most fun part has been playing with the founder equity offers. I've modeled paper, expected value, and median exits (0).

Me: Senior software engineer @Google with 10 YOE. 5 YOE at startups before joining Google. Excited to be building fast again!

Looking for 10 design partners to help shape the product + roadmap. I'll be happy to give you a demo and onboard you. 50% off the first year + VIP support.

No account required for the free version. There is also a 14 day Pro trial. I will give as many demos and onboard as many users as I can.

Reach out to charles@continuum-app.xyz

Open articleView on HN

I'm curious about what MC simulations are even being used for here. A lot of this stuff should be driven by simple closed form equations.

To give some insight into sequence risk and help plan for a margin of error.

I see, was thinking about doing something similar for what I'm working on. Separate but related space.

> Honest pricing.

compared to what exactly? did you even proof the website copy or just take what the model spit out wholesale?

Fair criticism. I'm very new to marketing and writing copy I admit I lean too much on the models. I'll do a pass at writing the copy myself.

maybe back in the day imperfections showed a lack of polish and professionalism. we are entering the era of wabi-sabi where you want to show that care was taken by signaling it was crafted by a human. you're not going to stand out by looking like every other LLM generated website.

True, marketing is a very important new skill I'm learning. I've been in the classic engineer pitfall of working on the product for 3 months without launching.

Are you a multimillionaire or it just happened to you that it would be a good idea to target them?

"Some doctors choose to specialise in diseases of the rich"

More seriously, paying clients are a good thing and selecting for those that afford something is not unreasonable (although glove makers and cobblers for the Georgian and Victorian era wealthy often went broke as the upper class often refused to pay).

Don't discount familiarity with the finances of millionaires by other mean, when I worked in mineral and energy intelligence the bulk of our clients were wealthy enough to discount all IPO's below 50 million as "small beer".

Exactly! Curious to know why those historical elite didn't pay?

Didn't catch your other point. Are you talking about millionaires out of tech?

Class elitism and shrugging off the "problems of the poors" ...

My other point was to owebmaster who appeared to be questioning whether you were a "multimillionaire" and I was pointing out that's not a prerequisite to understanding the finances of millionaires - I dealt with billion dollar finances in mineral and energy resources w/out being a billionaire player myself - just info gathering and advising for a fee.

FWiW, I'm not in Silicon Valley and people with 1-15 million that I encounter either have a house or two, are small business owners, farmers, tradespeople that have invested wisely, etc.

Yes, Google has been good to me.

There is a wedge of people that have enough money that they want to manage it themselves; but not so much that's it's overwhelming. Getting into 25M+ is multi-family office level I believe.

Also, the prosumer market should have better margins than general consumers (less price sensitive).

Reply on news.ycombinator.com