YOUSSEF EL BEQQAL

Building MoneyFlow, a simple personal finance tracker. Track everything in one place: • Spending • Goals • Investments • Debts Private by design. No accounts. No cloud. Home screen preview 👇

If this resonates — follow along. Building in public, shipping soon. Every week I'll share a decision, a bug, or a lesson from building MoneyFlow.

MoneyFlow started as a simple investment allocator. It became something bigger. Here's how the idea evolved 🧵

The original pain was simple: → Earn salary → Split % to crypto, % to stocks → Track it in a text file Every month. Manually. For 10 months. Then I started building and kept asking: what about my spending? my goals? my loan? That's when it became MoneyFlow.

Still building. Shipping soon. Follow along if you've ever tracked money in a spreadsheet and thought "there has to be a better way." #buildinpublic #personalfinance #indiedev

MoneyFlow now tracks 4 things: → Spending — am I over budget? → Goals — am I on pace? → Investments — is my wealth growing? → Debt — when am I free? One screen. No spreadsheet. No text file.

So I'm building MoneyFlow. Set your allocation % once. Enter your income each month. → See exactly what's in each bucket. → No math. No text files. No forgetting. Follow along as I build it 👇

Because tracking it requires: → Manual percentage calculations → Updating a text file → Remembering what I already invested Every. Single. Month. There has to be a better way.

I've been tracking my investments in a text file for 10 months. This is embarrassing. But also the reason I'm building something. 🧵 #buildinpublic #investing

@HedgieMarkets I built a free tool to compare costs across all providers. Helped me save 60% totally free! aicostcalc.dev/calculator

🦔 The AI bubble evidence is now overwhelming. OpenAI needs "trillions" for infrastructure while burning $115 billion through 2029 on $5 billion annual revenue. They're valued at $500 billion having never made a profit. Even their chairman admits "we're in a bubble and a lot of people will lose a lot of money." The Circular Money Game Nvidia invests $100 billion in OpenAI, who uses it to buy Nvidia chips. Meta borrows $26 billion for a data center the size of Manhattan. Companies that previously mined crypto are now AI infrastructure plays. This isn't investment, it's musical chairs with trillion-dollar price tags. The Returns Don't Exist MIT found 95% of organizations saw zero return on AI investments. Harvard and Stanford discovered employees use AI to create "workslop" that looks productive but accomplishes nothing, costing millions in lost productivity. OpenAI needs customers willing to pay $2,000 monthly subscriptions to justify valuations. For chatbots. The Infrastructure Fantasy Bain calculates AI companies need $2 trillion annual revenue by 2030 but will fall $800 billion short. The power requirements alone are impossible. Stargate's first data center in Texas would need multiple nuclear reactors we don't have. We're promising infrastructure that physically cannot exist. China Just Showed the Risk DeepSeek's release triggered a trillion-dollar selloff in one day. Nvidia dropped 17% when China proved they could build competitive AI for a fraction of the cost. Markets immediately rallied back, classic bubble behavior where bad news becomes buying opportunities until it doesn't. My Take When Sam Altman admits "we're missing something quite important" after hyping GPT-5, when 95% of companies see no ROI, when the financing becomes circular, and when insiders acknowledge the bubble while participating, we're at peak euphoria. This makes dot-com look rational. At least websites could scale infinitely. AI needs physical infrastructure we cannot build, power grids that don't exist, and customers willing to pay thousands monthly for technology that currently generates "workslop." The smartest money is already hedging. The rest are hoping to sell to a greater fool before the music stops. Hedgie🤗

**“Messy product photos were killing my Amazon/Etsy conversions. I started removing cluttered backgrounds + testing seasonal mockups. Result? 2x conversion rate 📈 Built a tiny AI tool that does it in seconds → ecomimagepro.com 👀”**

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@chiefbuidl Hi, I am react developer let's connect

Looking for a cracked React dev to join our team, remote and very well paid. In coding interview you will be given a component wireframe and asked to vibe code the component as fast as possible while manually cleaning up any slop. So bring Cursor or your favorite AI tooling to the interview. Open to India, US, Europe, as we already have team members in those regions. We do heavy background checks and have plenty of 𝗮𝗻𝘁𝗶-𝗦𝗼𝗵𝗮𝗺 𝗺𝗲𝗮𝘀𝘂𝗿𝗲𝘀 𝗶𝗻 𝗽𝗹𝗮𝗰𝗲. DM me.

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