“to solve this problem for people yes you need like a product and a tool but you also need some of Education to help folks understand some of these Concepts... our hope is that we can provide sort of the missing personal finance course.”

Build Financial Education Content to Solve the Problem, Not Just Market the Tool

After the Mint migration spike, Monarch reinvested revenue into a content team with the mission of teaching personal finance fundamentals — not just growing the app. This strategy works doubly: it attracts users still in the problem-awareness stage, and it deepens the product's value proposition beyond the software itself. For any app solving a complex behavior-change problem, owning the education layer creates a content moat that compounds over time.