Beacon Digital Solutions
Beacon Digital Solutions

Writing

Zero-based budgeting, keeping your financial records to yourself, and getting more out of Thrive. Written by the person who builds it.

Privacy

ChatGPT wants your bank account. I built a company because of this.

In May, OpenAI wired ChatGPT to 12,000 banks through Plaid. It never sees your password and it cannot move your money — and neither of those was the thing anyone was worried about.

August 18, 2026 · 6 min read

Comparison

Thrive vs YNAB: what actually differs

YNAB taught a lot of us to budget. Here’s what changes if you’d rather not link your bank — and why the budget itself is free.

August 12, 2026 · 6 min read

Why we built this

I got tired of being the product

Your transaction history is the most revealing document you own — and most budgeting apps hand it to a company you never chose. Why I built one that never sees it.

July 31, 2026 · 4 min read

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