Origin Financial

Bad financial advice has existed for ages. Origin’s AI Advisor changes that.

@jbfly46 Hey there!  Can you email us at hereforyou@useorigin.com so we can pull up your account and help troubleshoot?

@useorigin I just recently redownloaded the Origin app after deleting it some time ago, and I’ve been trying to find a way for it to be useful for me to justify me not deleting it again, and so far, it still seems to be more of a distraction and an app that unnecessarily takes up space on my phone than it seems to actually be useful. I connected my Kraken account to Origin via the instructions the Origin app provided to me, that said to create an API Key on the Kraken website and to then input the Kraken API Key into the Origin app, and so I did that and it showed that it successfully connected to my Kraken account, but the Origin app is showing my Kraken account balance as $515.16, when my current Kraken account balance is actually $8,649.30 and actively changing with the value of the cryptocurrencies that I am invested in on Kraken. $515.16 isn’t anywhere close enough to $8,650 for the discrepancy to be able to be explained by volatility in the crypto market, so it looks like the Origin app may not be counting my holdings on Kraken in the “Earn” and “Stocks & ETFs” categories, but that also doesn’t make sense since the total balance of my Kraken account that is shown on the Origin app is $515.16, but after subtracting the total combined amounts of my holdings in the “Earn” and “Stocks & ETFs” categories on the Kraken app from my total balance on the Kraken app of $8,649.30, I’m left with around $314.91. So I don’t know where the Origin app is getting $515.16 from. Also, the majority of my investments are currently on the @okx platform, and it seems that I am unable to connect my OKX account to the Origin app either through @Plaid or with an API Key, so I would have to add my holdings on OKX to the Origin app manually, and then also track them manually, which to me, is the equivalent of using a supercomputer to solve an 8th grade algebraic equation that could be more efficiently solved by writing it out by hand on a piece of paper. I have spent several years or more searching for a financial tracking app that can track all of my finances and investments, with zero success so far. I have yet to even find a financial tracking app that can connect to all of the crypto exchanges that I have holdings on, which right now is just 2, much less one that can connect to all of my crypto wallet apps to actually track all of my investments. It seems that there may be a market for an app that can do this, and I currently cannot figure out why people use financial tracking apps like Origin, much less regularly pay to use them via their subscription based monetization models, since the capabilities of these apps seem rather redundant and overlapping with the features of major banking apps and banking apps like Chime that are free to use, unless the financial tracking apps like Origin include the ability to track any and all crypto holdings. I could see financial tracking apps being useful if they helped financially illiterate people learn financial literacy, but if a financially illiterate person suddenly became financially literate, then they would realize how wasteful paying for financial tracking apps like Origin is, on top of realizing how much of a waste of hard drive space they are due to their redundancy from being an app based on features that are available for free via the apps for most people’s banks.

In true Gen Z fashion, the college class of 2026 is pessimistic about their job prospects — and that’s kind of fair, because they’re entering a genuinely rough job market. Unemployment among 22-27-year-olds with bachelor's degrees hit 5.6% in March—up from 3.6% pre-pandemic. Employers have pulled back. AI anxiety is real. Commencement speakers got booed. This is not the vibe. But the unemployment rate is a pretty narrow lens, so let’s zoom in (and out). Less-educated young people are faring worse. The overall unemployment rate for that age group is 7.2%, which sounds only slightly higher on the surface, but dig deeper, and you’ll see it’s because less-educated workers are dropping out of the labor force entirely — for college grads ages 22-27, the employment-to-population ratio is sitting at 82.4% — basically flat with pre-pandemic levels. For high school through associate degree holders? 70.5%, down from 71.8%.

Forget looksmaxxing, credit score maxxing is the new optimization fixation. The number of Americans with “super prime” credit scores (780+) has surged by roughly 15 million over the past six years, with younger consumers playing a surprisingly big role in the growth. More than 41% of consumers now fall into that upper tier, up from 37% back in 2019.

@rhobusiness @heysamir_ @Superhuman @craftdocs @lexdotpage @Replit @Claude @linear @meetgranola @ALTIC_DEV @attio @typefully 🔥

@heysamir_ @Superhuman @craftdocs @lexdotpage @Replit @Claude @linear @meetgranola @ALTIC_DEV @attio @typefully @useorigin 🫶

My current AI business stack: Email: @Superhuman Docs: @craftdocs + @lexdotpage Code: @Replit + @Claude Design + @linear Meetings: @meetgranola / Fluid (@ALTIC_DEV) CRM: @attio Marketing: @typefully (Twitter/Linkedin) Finance: @rhobusiness + @useorigin + Margin

Housing affordability "improved" for roughly seven straight months through April of this year, but then mortgage rates jumped in May, and we're basically back where we started. This is the housing crisis in miniature: A few basis points move, and the whole narrative switches again. You’ll need to earn roughly $117,000 to afford the median home in America, but the typical U.S. household (not individual) earns roughly $88,000. That's a $29,000 gap, or 32% above average. If we’re being candid — even pretending that's "improving" because it shrank from $31,000 last year is…a bit of a cope. It's like calling a sinking ship "stable" because the leak slowed.

The “Great Resignation” trend we saw a few years back is dead, and the job-switching premium has basically evaporated. Four years ago, people who switched companies saw their after-tax wages jump 18% year-over-year, while loyalists saw theirs rise 7%. Nowadays, switchers are at 8%, stayers at 5% Lower-income workers are still switching—16% job-hopped, compared with 13% of higher earners. And within that, the top 5% by income literally inverted the game.

In true Gen Z fashion, the college class of 2026 is pessimistic about their job prospects — and that’s kind of fair, because they’re entering a genuinely rough job market. Unemployment among 22-27-year-olds with bachelor's degrees hit 5.6% in March—up from 3.6% pre-pandemic. But the unemployment rate is a pretty narrow lens, so let’s zoom in (and out). Less-educated young people are faring worse. The overall unemployment rate for that age group is 7.2%, which sounds only slightly higher on the surface, but dig deeper, and you’ll see it’s because less-educated workers are dropping out of the labor force entirely. For college grads ages 22-27, the employment-to-population ratio is sitting at 82.4% — basically flat with pre-pandemic levels. For high school through associate degree holders? 70.5%, down from 71.8%. So new grads do have a structural edge. A bachelor's degree still buys you something. The problem is that "something" keeps getting smaller. The wage premium for a college degree (what you earn versus someone without one) has compressed from about 63% in 2015 to 55% last year. Why? Because everyone has one now. As of March, 42% of U.S. employees hold a bachelor's degree or higher, up from 36% a decade ago. This is the historical pattern economists have been watching for years. In the early 1900s, a high school diploma was rare and lucrative, but by the 1980s, it was table stakes. The college degree is sliding down that same curve.

"AMAZON.COM $147.32" Sorry for the jump scare — that’s usually how Amazon transactions used to feel — not anymore. Want to know what you actually bought on Amazon, not just how much you spent? Now you can. Connect your Amazon account in the Origin app → app.useorigin.com/?origin_dialog…

Americans aged 15–34 are now significantly less optimistic about the labor market than older adults, marking the largest generational confidence gap in the world. Just 43% of younger Americans said it was a good time to find a job locally last year, compared to 64% of Americans aged 55+. And the drop happened fast. Since 2023, younger Americans’ confidence in the labor market has fallen 27 percentage points — a decline comparable to what we saw during the financial crisis. Check out the deeper dive below ⬇️ useorigin.com/resources/blog…

Origin's budget experience just got a major upgrade. Unused budget now carries forward. Plan for expenses months in advance. Always know what you have left to spend. Live now in Origin → app.useorigin.com/spending/budget

73% of Americans say their personal finances are doing okay, but also…75% think the economy is a disaster. Make it make sense. The Federal Reserve recently released its most comprehensive annual look at how American households are actually doing — and the headline number is, genuinely, fine. 73% of adults say they're either doing okay or living comfortably financially — unchanged from 2024. And yet: Only 1 in 4 Americans rates the national economy as "good" or "excellent." That's actually down 24 points from pre-pandemic levels. So people feel okay about their own money, but are convinced the broader economy is broken. That gap is wider than it's ever been, and it's been sitting there, largely unexplained, for a few years now.

Check out our Reddit post for the deep dive ⬇️ reddit.com/r/OriginFinanc…

Origin's budget experience just got a major upgrade. Unused budget now carries forward. Plan for expenses months in advance. Always know what you have left to spend. Live now in Origin → app.useorigin.com/spending/budget

Americans are heading into peak travel season with record-high budgets and strong intent to actually use them. The average leisure travel budget has climbed to about $6,556 this year, the highest on record, and nearly 80% of travelers already have at least one summer trip planned. The K-shaped economy is visible here, too. Higher earners are, unsurprisingly, taking more trips (5+ per year), and lower-income households are much more likely not to have any trips planned (about 40% don’t), and data from Bank of America shows lower leisure spending amongst this tax bracket compared to higher spending on travel amongst higher earners.

@heysamir_ @RohitAtKubera Appreciate the love 🫶 Tap in with our subreddit if you want weekly updates on everything we've been shipping: reddit.com/r/OriginFinanc…

A few months ago I wrote about the hierarchy of PFM, arguing that the highest level was the net worth dashboard that offered a command center for all of your financial products. I think @RohitAtKubera has mastered the net worth dashboard, but I want to give major props to @useorigin for building a powerful *AI enhanced* dashboard that I’m now using a lot more for scenario planning and spend tracking. Love the interface and the direction. Excited to see what Origin team continues to build. posts.interspace.ventures/p/the-over-eng…

Appreciate the perspective, but we’ve actually shipped quite a bit recently: Budget 4.0 with rollover, Freeze Account History, same-month-last-year Spend comparisons, onboarding improvements, and...a lot more. That said, we hear you: Check out our subreddit for more details on what we've launched, and reply with feature requests you'd like to see: reddit.com/r/OriginFinanc…

@useorigin At least they won't stop developing and adding features to their app. Very disappointed Origin hasn't done anything new for months.

Unfortunately, you're already late + competency mogged here... useorigin.com/resources/blog…

It's a buyer's market for homes right now — but the window may already be closing. The first thing you’d think when you see a headline like this is likely something along the lines of: “Buyer’s market? Prices haven’t even gone down,” and…you’d be right — that’s kind of the point. Statistically speaking, though, home sellers do outnumber buyers this year. In fact, they outnumbered them by the widest margin ever back in Q1: 600,000+ more sellers than buyers. But yes: It’s done little to nothing for the actual median average sale price of homes in America — it’s still roughly ~403,000. That’s because this isn’t a traditional buyer’s market driven by collapsing demand and forced selling. It’s more of a frozen market. Millions of existing homeowners are still locked into ultra-low mortgage rates from the pandemic era and simply aren’t willing — or financially able — to sell at materially lower prices unless they absolutely have to. At the same time, elevated mortgage rates near ~6.5% continue to crush affordability for new buyers, even as inventory improves.

Just a few months ago, the AI trade was somewhat polarizing amongst retail investors. Markets spent much of March and early April getting punched in the face by tariff fears, recession chatter, and growing skepticism around whether the AI boom had simply gotten too euphoric, too expensive, and too detached from reality. Then…April 1st hit, and the market basically hit a giant red “lol never mind” button. Since the late-March lows, the S&P 500 has surged roughly 16%, while the Nasdaq has exploded about 26%, dragging markets back toward record highs. And the money flowing into this thing is getting genuinely absurd. Semiconductor companies alone have added roughly $3.8 trillion in market capitalization over the past six weeks. “Hyperscalers,” as some call them, are expected to spend something like $755 billion on AI capex this year alone. So yes, it’s well worth asking as an investor: Is this… a bubble, or a real thing? Then again, FOMO is real. As one retired investor interviewed by the Journal described the current environment: “the party is best about a half-hour before the police shut it down.”

@ChatGPTapp You're already late bro... useorigin.com/resources/blog…

A preview for Pro users: a new personal finance experience in ChatGPT. Pro users in the U.S. can securely connect financial accounts, see where their money is going, and ask questions based on the information they choose to connect. Your full financial picture, now in ChatGPT.