I’d like a calendar linked to my accounts and I want pre-defined events that I can drop wherever I’d like on the calendar at whatever frequency (but I’d like suggested frequencies).
Examples might include:
Budget — Suggested frequencies: monthly
Planning session — suggested frequencies: Annually
The suggested frequencies could even be driven by usage data. When does User X get paid? Monthly, around the 1st — suggested budget frequency for them then = monthly last day of the month etc.
You want your bank to set up your personal life activities?
These should come natural for folks who actually want to financial plan.
Your budget takes 5 minutes on payday.
Your phone has a calendar.
Did I say “personal life”?
Yes
These are things you’d do in your personal life to improve your financial life.
How often do you rebalance your investments? How often do you compare interest rates? How often do you submit your self-assessment? How often do you compare your pensions? How often do you review your investment strategy? How often do you Bed and ISA?
This only scratches the surface of true financial planning and deals with what I already have to. What about transfers, new accounts etc.?
Which is for you to do, not Monzo
You could say the same about managing my accounts in one place, yet Monzo lets me connect them. You could say the same about splitting my income into pots, yet Monzo has a salary sorter.
Since you clearly despise convenience, innovation and practicality, you appear to be in the wrong place.
Don’t be defensive for me disagreeing with your proposal.
You’re asking a bank to inform you when you should be budgeting and resetting your financial situation.
I believe you should be doing that, as if Monzo got it wrong you’d cause unnecessary inbound and cost to the bank.
People commonly refuse to take accountability for their own issues.
Monzo doesn’t want you to do this as they are not market leading.
None of what you want is going to happen so might as well stop arguing with Carlo. You’re both wrong.
Classic deflection + straw man fallacy.
“that I can drop wherever I’d like”, “suggested frequencies”.