I started questioning why financial planning tools felt so disconnected from how people actually live their lives. Most budgeting apps treat everyone like rational calculators, but humans are beautifully irrational creatures with complex motivations.
My project began with a simple observation—people make different financial decisions when they're tired, stressed, or celebrating. So I developed a mood-responsive budgeting system that adapts recommendations based on user emotional states and circumstances.
"The breakthrough came when I realized we weren't just building better financial tools—we were creating technology that understood human nature. Three fintech startups have now licensed aspects of the emotional intelligence framework."