I built a financial clarity app for my family — here's what I learned published:

My parents are approaching retirement. They're not bad with money — they pay their debts, they save, they manage. But for years they've been caught in the same cycle: buy on credit, pay it off with their paycheck, lean on their year-end bonus for the bigger stuff. It works. Until retirement, when the bonus disappears. Nobody has ever shown them clearly what that cycle is actually costing them. Or what would change if they broke it. My aunt just got her first car loan. She wants to know: if she p