Rikdom Labs
@rikdom.io
Building the financial planning tool I wanted but couldn't find. Monte Carlo simulations, TLH detection, real budgeting. For people who read the footnotes.
Why does your balance say "last synced 3 days ago"? Why do budget apps cost $15/month? There's a layer of middlemen between you and your bank that most people never see. Wrote about what Mint's death tells us and how Rikdom routes around the problem.
open.substack.com/pub/rikdom/p...
open.substack.com/pub/rikdom/p...
The middlemen between you and your money
Why Mint died, your balance is stale, and your budget app costs $15/month
open.substack.com
February 8, 2026 at 3:30 PM
Why does your balance say "last synced 3 days ago"? Why do budget apps cost $15/month? There's a layer of middlemen between you and your bank that most people never see. Wrote about what Mint's death tells us and how Rikdom routes around the problem.
open.substack.com/pub/rikdom/p...
open.substack.com/pub/rikdom/p...
The Fragmentation Tax
Why managing your money across four apps costs more than time
open.substack.com
February 5, 2026 at 1:36 AM
I got tired of running YNAB for budgeting, logging into Fidelity for investments, using Projectionlab for simulations, and my memory for whether I'm on track. Built something that does all of it. It's called rikdom.io. Still early. Anyone else in the "too many finance apps" camp?
Rikdom — Wealth, Quantified
High-precision Monte Carlo simulations and automated tax-loss harvesting for the modern portfolio.
rikdom.io
February 4, 2026 at 11:51 PM
I got tired of running YNAB for budgeting, logging into Fidelity for investments, using Projectionlab for simulations, and my memory for whether I'm on track. Built something that does all of it. It's called rikdom.io. Still early. Anyone else in the "too many finance apps" camp?