RuleOfThree

RuleOfThree is a mobile AI + traditional budgeting companion that forces a tiny “friction step” before discretionary purchases. Connect your bank via Plaid, then the app auto-detects likely non-essential transactions (food delivery, impulse retail, subscriptions) and prompts a 10-second check-in: pick one of three labels—Need, Value, or Mood—and choose a rule (wait 24 hours, cap this category, or swap for a cheaper alternative). Over time, it builds a personal “spend triggers” profile and shows which merchants, times, and emotions correlate with regret. It’s not another full budgeting app; it’s a behavior layer on top of your existing finances. You’ll get weekly insights like “late-night delivery drives 38% of overspend” and simple experiments to reduce it. If you ignore prompts, the app backs off—because nagging gets uninstalled.