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I built an app that charges you real money when you miss your goals

I built an app that charges you real money when you miss your goals

by shawn_xu·Apr 9, 2026·1 point·0 comments

AI Analysis

MidBold BetShip It

Beeminder for tasks that charges you immediately when you miss a deadline.

Strengths
  • Modern UI makes financial accountability feel less intimidating than legacy tools.
  • Immediate financial consequence creates genuine behavioral pressure to complete tasks.
Weaknesses
  • Beeminder and StickK already dominate the financial accountability niche thoroughly.
  • Manual proof submission is easy to game without automatic integrations.
Category
Target Audience

Students, Freelancers, Procrastinators

Similar To

Beeminder · StickK · Forfeit

Post Description

After building a lot of projects and giving up on them I found I always had a problem staying consistent. I'd quit as soon as things got hard because I couldn't see any short term consequences for doing so. Same thing with the gym, I'd go for a few weeks when motivation hit and as soon as it was gone I'd stop.

I'm still in high school so the consequences of failing feel really far away, if I quit a startup I still have plenty of time, if I skip the gym my body isn't going to change overnight. My brain just doesn't respond to long term consequences very well.

So I thought what if I just brought those consequences to the short term by charging myself money the moment I fail. $5 didn't work, I'd quit anyway. $25 completely changed my behavior.

Kiri is that system built for other people who have the same problem. You commit to a work session upfront and if you don't submit proof you completed it you get charged real money. Happy to answer anything or hear what you think.

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