I spent last Tuesday staring at my bank statement (and my UPI history) that looked less like a plan and more like a confession. You know that feeling when you check your balance after a busy month? It’s a mix of confusion and mild betrayal. “I spent how much on cafes? Did I really need… Read more: Your Financial Operating System is Due for an Update

I’ve always found traditional budgeting advice to be slightly broken. It usually sounds something like this: “You spent too much on dining out last month. Stop doing that.” That’s like telling a piece of software that crashed, “Hey, stop crashing.” It’s not helpful. It addresses the output, not the logic that produced it. In my… Read more: The Finite State Machine of Spending: Debugging Your Financial Source Code