While building Sav, I’ve been always fascinated by the idea to build the Google Maps for money. A tool that doesn’t just help you track where you are financially, but guides you, step by step, to where you want to be. Easy, right? You set your goals, and we give you the most optimized route to get there.

But here’s the twist no one talks about: Do we really know the destination? Someone asked me today.

We all have these broad, shiny financial goals: Buy a house, retire early, pay off debt, build wealth. But as soon as you get close to one, the goalpost moves. It’s human nature. You saved $10,000? Now it’s $50,000. Got the job promotion? Well, now you want a bigger house to go with it. The finish line keeps shifting, and so does the route.

It’s like constantly recalculating your journey on Google Maps. You think you’re headed somewhere, and then life throws a curveball — or you just want more — and now you’re rerouting. The path you were on suddenly doesn’t make sense anymore because the destination has changed.

So, what are we really building?

When I think about our initial ambition — Google Maps for money — it was rooted in simplicity. A path, a goal, and the fastest route to get there. But I’ve realized along the way that money doesn’t work like that. It’s not a straight line, it’s more like an endless loop of recalibration. The problem is, most people are just punching in random destinations because they’re told that’s where they should go. Save X. Buy Y. Invest in Z. It’s all formulaic until it isn’t.

The moving goalpost problem.

Let’s be real. How often have you had a financial goal that stayed the same? That didn’t evolve with your circumstances, your life, or your ambitions? Exactly.

The truth is, your goals aren’t fixed. They change with every new job, every big purchase, every new responsibility, and, yes, every new shiny thing you want to add to your life. We’re sold this idea that once you set a financial goal, it’s like locking in coordinates. Just follow the route, and boom — you’ve “arrived.”

But money doesn’t work like that. It never has. And that’s where a lot of financial products get it wrong. They assume that once you set a goal, you’re just going to plow through and get there. But in reality, the goalpost is constantly moving, and we have to recalibrate with every new turn.

The real question: Do we even know the goal?

That’s the kicker. We spend so much time focusing on the how that we forget to ask if we’ve even figured out the why. Why do you want to buy that house? Why are you so obsessed with a certain amount in your savings account? Why is retirement the golden goal when some people would rather build a life they never want to retire from?

It’s not about the goal itself — it’s about the fact that goals are fluid, just like life. And that’s okay. But the challenge is being able to pivot when the goal changes, without feeling like you’re lost or falling behind.

Money maps aren’t linear….

That’s why we’re not just building a simple roadmap for money. We’re building something dynamic. A system that doesn’t just plot a course but understands that you’ll change directions a dozen times before you get where you want to go. And maybe where you want to go isn’t even clear yet.

Your path to financial freedom, security, or fulfillment won’t be a straight line — and it shouldn’t be. Sometimes you’ll take detours because life happens. Sometimes you’ll change the destination entirely because your priorities shift. But the key is to stay in control of the journey, no matter where it leads.

The real question we should be asking: How do you want to live?

We need to rethink what financial goals even mean. It’s not about getting from Point A to Point B. It’s about understanding the why behind the journey. Do you want to live a life that’s secure and steady, or one where you can take risks and enjoy the ride? Do you want to save for the future or live fully in the present? Or do you want a balance of both?

The answer to those questions is different for everyone. That’s why we’re building something that’s not just a financial roadmap but an adaptable, personalized system that understands your journey will change as you do.

Because ultimately, it’s not just about reaching the goal — it’s about enjoying the ride, recalibrating when necessary, and having the flexibility to change your destination whenever you feel like it.

So, are we really building Google Maps for money?

Not exactly. We’re building something better. A system that doesn’t just take you from Point A to Point B, but understands that your goals are fluid, your priorities shift, and your financial journey is personal. We’re not just helping you reach a destination — we’re helping you navigate the ever-changing landscape of your life, one recalibration at a time.