Great ideas, you put a lot of work into that! I had some ideas related to parts of what you have there, specifically the “discretionary spending”. I wrote about it in short and then rather longer, too. It would be great to see a better analysis of spending, breaking out items that are mandatory vs discretionary, modelling when a debt will be paid back, modelling when an item will be saved for (and being able to quickly re-arrange the order of these savings-funded future purchases in case we change out minds), and many other things besides. Hopefully Monzo will take some of this on board!
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