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A long bet on candor.
By 2030 we want most personal-finance apps to feel quaint. Here is how we plan to get there.
— Year one (2026)
Ship iOS. Earn the right to write the rest.
Launch the iOS app with the 80-card design system, the Roast Board, and Plaid-connected accounts in the US. Earn 10,000 active users who would pay for it twice. Publish the Year-One letter, in public, with the actual numbers.
— Year three (2028)
Two more platforms. Two more languages. Better silence.
Android, web client. Spanish and Portuguese. Coverage in CA, UK, MX. By now Jackie should know when not to speak — half of the work is restraint.
— Year five (2030)
A global standard for the part of finance that nobody automates.
By 2030 the AI coach should be as personal, as accurate, and as boundaried as the family member who balanced your grandparents’ checkbook. ROA$TED should be the default category-defining product for honest money software, the way stripe is for payments and linear is for tickets.
If we fail, we want to fail visibly. If we succeed, we want it to look easy.
Want to see it do its thing?
Bring your bank statements. We brought the teeth.