u/Different-Ad-5456

I'm trying to understand how people between 18–30 actually manage their money in real life (not theory).

Things like:

• splitting expenses with friends
• paying bills on time
• tracking spending
• dealing with "end of the month" situations

For those going through this:

• How do you currently manage your money day to day?
• What’s the most annoying or stressful part?
• Do you actually use any apps, or mostly do it manually / in your head?

I'm asking because I'm building something in this space and I want to understand real behavior before making assumptions.

So I spent the last 6 weeks building Openfy a personal finance tracker for the Brazilian market. The main thing that makes it different is this Financial Health Score that updates in real-time based on your income stability, savings rate, and spending control. Nobody else here has something like this, and I genuinely don't know if people will actually care about it or if it's just a cool feature that doesn't move the needle.

I need people who'll break things and complain. In exchange, you get BETA access and a direct line to me for feedback calls. If you're interested, DM me and I'll whitelist your email for beta access.

So I spent the last 6 weeks building Openfy, a personal finance tracker. The main thing that makes it different is this Financial Health Score that updates in real-time based on your income stability, savings rate, and spending control. Nobody else here has something like this, and I genuinely don't know if people will actually care about it or if it's just a cool feature that doesn't move the needle.

I need people who'll break things and complain. In exchange, you get PRO access for one year and a direct line to me for feedback calls. If you're interested, DM me on Instagram @_openfy and I'll whitelist your email for beta access.