Personal budgeting is where most people lose motivation - they track for a month then abandon it because manual expense logging feels like overhead. Using AI to learn spending patterns and predict future needs automatically removes the friction point that kills long-term habit formation. The fact that this uses ML to categorize and understand intent (not just transaction classification) is the smart differentiator. Question: does Moneko learn individual preferences over time, or does it rely on general category templates? And for actionability, does it surface specific spending reduction opportunities with estimated savings impact?