Personalized Financial Guidance. Built for Your Reality.
We combine holistic advice with local cost-of-living data to help everyday people make smarter money moves.
No wealth required.
Financial security doesn’t have to be chaotic.
What we're creating
A smarter, more human approach to financial guidance.
Opulence AI is a financial guidance platform built to reflect the way people actually live. We combine powerful AI with local cost-of-living data, behavioral insights, and real-world context to help everyday people make better financial decisions — without pressure or perfection.
We’re building a system that:
Adapts to your real cost of living based on where you live and what you earn
Guides you through debt, savings, spending, and goal-setting — all in one place.
Learns how you engage with money, so it can offer timely, relevant nudges and recommendations
Supports habit change, not just “perfect” plans
Puts you in control, not under pressure
Just getting started or rebuilding from setbacks, Opulence AI helps you create a financial life that works — for your goals, your reality, and your pace.
Why it matters
The financial system left too many people behind.
We started Opulence AI because financial wellbeing shouldn’t be reserved for the wealthy.
Most advice ignores regional cost-of-living differences and assumes a level of income, access, or stability that just isn’t real for most people. It also overlooks how people actually interact with money, in a world full of trade-offs, uncertainty, and deeply ingrained habits.
The ideal isn’t always possible, and changing financial behavior takes time, support, and the right tools.
That’s why Opulence AI isn’t just an advisor — it’s a financial coach, built to help you build better habits on your own terms, in your own time, without pressure.
Can it be done?
Yes, and we're here to do it.
No we're not affiliated, but its great to see our thesis supported
Where are we now?
We are refining the MVP after our 3rd round of beta testing.
Recent data shows 2 out of 3 users were enthusiastic about the development direction and were eager to use the live product.
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Third Software Iteration Complete
We’ve finalized the third iteration of the platform, incorporating design and functionality improvements based on earlier user feedback. This version lays the foundation for broader capabilities and a more intuitive user experience.
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Plaid Integration Advancing
Plaid is now integrated at a general level. Our team is building out additional features that will expand insight and usability, aligning with the capabilities beta users have expressed the most interest in.
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Multi-Account Support Underway
Support for multiple bank and credit accounts is in development, with implementation targeted for this month. This is a key requirement for delivering a complete financial picture within the app and enabling meaningful AI-driven insights.
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Financial Roadmap Feature in Design
Beta users responded strongly to the concept of a guided financial roadmap. Development is underway to deliver a gamified experience that offers personalized, actionable financial tasks—enhancing engagement while supporting users’ financial goals.