YES. Thank you for thinking of developing something to address this. 1. Most banking apps segment spending, but they don't perform analysis in an actionable wa

YES. Thank you for thinking of developing something to address this. 1. Most banking apps segment spending, but they don't perform analysis in an actionable way. 2. Most banking apps allow you to automatically budget for goals, but they don't help you actually structure your budget; usually they relegate customers to siphoning money automatically, at best. Solution 1. Create an app that not only performs both actions above, but also adds in a platform that caps/limits spending by category in order to reach monthly goals. e.g. monthly rent is x. App suggests/limits spending on y + z. e.g. planning for baby requires $x. App suggests/allocates n per week while limiting spending on y + z. e.g. finances are unstable. App performs analysis of income patterns to determine safe threshold for discretionary spending or whether discretionary spending is even feasible. Probably an app like this would need to have some sort of AI that not only leans on spending analysis algorithms but also can adapt to predictive behavior and set boundaries for the user. (Does anything like this exist??)