Behavior tripwires
Real-time alerts
WTFinance rules
Bad decisions get flagged with math tied to your numbers
Dining pressure cap
Food and takeout is at $0 and still under the $0 pressure line.
WTFinance will sharpen this once income is set.
Push + email
HighMonitoringTransport burden check
Transportation is at $0 and still inside the $0 line.
WTFinance will score transport once income is set.
Push
MediumMonitoringSubscription creep
Recurring services are at $0 and under WTFinance's $180 review line.
This catches quiet spending that becomes structural when nobody challenges it.
Weekly digest
LowHoldingSavings pace support
No savings pace is set yet, so WTFinance is watching rather than scoring.
Without a dated goal, WTFinance leans on the monthly savings target you entered.
Push + email
HighMonitoringGoal timeline integrity
No active dated goal is set yet, so timeline pressure is waiting on your target.
WTFinance gets much sharper once there is a real target amount and date.
Push + email
HighMonitoringCash-flow reality check
Connect real accounts to compare observed cash flow against the story in the assessment.
This rule wakes up once synced account data exists.
Push
MediumMonitoringPersonal rules
Add your own limits on top of WTFinance math
WTFinance still enforces its own pressure checks. This layer lets each client add personal boundaries like a takeout cap, a cash-flow floor, or a debt ceiling and have the app watch both.
SMS tripwire
Text them when the rules break
Once a user opts in, WTFinance can escalate rule breaches over text instead of waiting for them to open the app and pretend nothing happened.