Optimal Finance Daily · Wednesday, August 26, 2026
Justin Malik recommends the Monarch financial app as a tool for managing personal finances, replacing manual spreadsheets. The app automates the tracking of accounts, investments, savings goals, and spending, and includes an AI assistant for financial queries.
“Now Monarch does it for me. It tracks everything. Accounts, investments, savings goals, and spending, all in one place.”
“It's like having a financial advisor in your pocket, flagging spending spikes before they become a problem.”
“My favorite part? Just asking the AI assistant, "Can I afford this vacation without touching my savings?" and getting a real answer.”