A money manager.  It knows all the expenses and allocates an allowance.  it tells  you to get a new job and to trim expenses in a sensible way.  it tells you to stop buying so many clothes&#x2F;books&#x2F;whatever.  it asks you to repeat what you are doing when you don&#x27;t spend money.  it makes you justify expenses before you can have money.  it saves for you.<p>I think this is possible now, when it was impossible before.  it funds a debit card monthly for you, and calculates everything else.  it learns you finances and then plans accordingly.   most people will adapt to whatever money they have, they just suck at managing it.  there isn&#x27;t anyone that tells you &quot;you can&#x27;t afford that.&quot; or &quot;you will run out of money if your lunches are so expensive&quot; &quot;your rent is too much money, get a better job&quot; &quot;you are not saving enough, what can you change so I can save you more money?&quot;  that would make life SO much easier.