Sunday, June 14, 2026Issue № 5Weather: mostly payday

The Leak Ladder

Financial leaks, priority order, and the stuff most money advice skips.

EST. 2026 · MONTHLY-ISH
Essays24
Long-form, slowly written
Field Notes18
Short dispatches
Changelog03
What shipped
§ Essays

Long-form, slowly written

24 essays · updated monthly
§ Field Notes

Short things, seen in the wild

18 dispatches · weekly
  1. №01

    I Ignored My Super for 3 Years. Here's What It Cost Me.

    Super2026-05-21→
  2. №02

    I Was Investing While Quietly Losing Money

    Investing2026-05-20→
  3. №03

    A Cracked Phone Screen Taught Me Two Things About Money

    Emergency Fund2026-05-19→
  4. №04

    What If Your Budgeting App Told You What to Do?

    Budgeting Apps2026-05-13→
  5. №05

    The 3-Week Wall: Why You Quit Every Budgeting App

    3-Week Wall2026-05-12→
  6. №06

    I Paid Off Debt Before Building an Emergency Fund (And Ended Up Back in Debt)

    Emergency Fund2026-05-05→
  7. №07

    Your Spending Is a Diary (You Just Never Read It)

    Tracking2026-04-29→
  8. №08

    5 Spending Leaks Hiding in Your Transactions

    Spending Habits2026-04-28→
  9. №09

    The Blank Budget Problem: Why You Always Quit at Setup

    Budgeting Flow2026-04-26→
  10. №10

    Your Rent Is Due on the 1st. You Get Paid Every Other Friday.

    Pay Cycle2026-04-26→
  11. №11

    Should You Invest While Carrying Debt?

    Investing2026-04-21→
  12. №12

    Avalanche vs Snowball: Which Actually Works?

    Debt Payoff2026-04-14→
  13. №13

    Lost Super: The $19 Billion Australians Forgot About

    Superannuation2026-04-08→
  14. №14

    Are You Leaving Your Employer Match on the Table?

    Employer Match2026-04-07→
  15. №15

    Should You Save or Pay Off Debt First?

    Debt Payoff2026-04-01→
  16. №16

    $1,000 or 3 Months? How Much Emergency Fund You Actually Need

    Emergency Fund2026-03-31→
  17. №17

    What Are Financial Leaks (And How Many Do You Have)?

    Financial Leaks2026-03-25→
  18. №18

    Savings Problem vs Spending Leak: Which Do You Have?

    Financial Leaks2026-03-24→
§ Changelog

What shipped

3 releases · 17 entries · live
2026-04-21
v1.1.0

Bigger update this time

  • —Dark Mode (pick Light, Dark, or System in Settings)
  • —Redesigned onboarding with interactive chapters and claim cards
  • —New in-app tours walk you through Home (Budget and Actual), Categories, and Accounts. Replay anytime from the drawer or the (?) icon on each screen
  • —Categories page now shows each category's budget amount. Tap to edit, or tap Add to set one. Income tab shows your take-home pay
  • —Tap an unbudgeted category on the Planned tab to set a budget mid-cycle
  • —Budget tasks are no longer premium
  • —Tap your avatar for the new profile sheet
  • —Emergency Fund leak targets now stay in sync with the account's goal amount
2026-04-09
v1.0.1

Bug fixes and minor polish

  • —Fixed dates showing the wrong day in certain time zones
  • —Fixed keyboard staying visible after sign-in and modal transitions
  • —Calendar and time picker display fixed in system dark mode
  • —Minor UX improvements across transaction entry and onboarding
2026-04-02
v1.0.0

YourDigits ships on the App Store

  • —Budget around your actual pay cycle, not the calendar month
  • —Voice entry: tap the mic, say what you spent, YourDigits parses merchant, amount, category, and date
  • —The Leak Ladder: nine financial leaks to fix in order, with a health score and prioritized tasks
  • —Accounts, categories, transactions, and a Budget/Actual Home screen
  • —No bank linking required. On-device voice transcription.
§ The Pledge

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The Leak Ladder | YourDigits