Guidance/Insights needed

<p> a wallet application that automatically locks and reinvest 10% of any amount that gets deposited into it, but that raises a lot of concerns, I am hoping to get helpful responses to here.</p> <ol> <li>how to determine what to invest the 10% into, I am looking into making it like a community/marketplace, rather than jsut a wallet, where people can get capital to fund project(you get to decide who\'s project you\'re investing in, from your locked fund), the app would also be a marketplace for people to hire skills for their projects, but I also want it to be as simple as possible and for everyone to use.</li> </ol> <p>The reason behind this is because I feel like rather than having little money, being broke is caused by spending above one\'s means, and quality of life would be generally better if people can keep track of their finances, automatically locking 10% kind of improves discipline that would cut accross other aspects of life.</p> <p> </p> <p>please just share your opinions.</p>

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