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Automate Me!

Maybe technology can help.

Photo of Darrick Hildman

Written by

Who does this idea benefit, who are the main players and what's in it for them?

This idea would help the common American who might not have the time, motivation or resources for Financial Literacy.

How is your idea specifically using the power of communities to improve financial opportunities and resources?

This could be a great resource offered by Credit Unions.

What early, lightweight experiment can you try out in your own community to find out if the idea will meet your expectations?

There are already some apps out there that are moving this direction. We could get feedback as to their experience and what they would want.

What skills, input or guidance might you be seeking from the OpenIDEO community to help you build out or refine your idea further?

What could an application like this offer it's users?

This idea emerged from:

  • An individual

As I thought about my own Financial Literacy and Empowerment in the Research phase of this project, one of the realizations I had was that I would really like to not have to think about the amount of financial education I need or the work I need to do. 

There are some tools out there like direct deposit and automatic bill pay and apps like and Check. Turbotax has made doing taxes for a lot of folks. But they don't seem to be as comprehensive as I would like.

I would love it if my credit unions Savings account could receive my money through direct deposit (it does already) and then look at my profile and automatically not only pay my bills, but determine how much money should go to savings, to investments and to retirement and then give me an allowance to play with.

Of course for those who are savvy, they could tweak and adjust their plan however they want. But for those others like me, it is on cruise control. 

I don't know, maybe it is already out there.


Join the conversation:

Photo of Eliza Rosenbaum

Hey Darrick!
We were really intrigued by your idea, and loved the dynamic conversation it sparked! We've actually seen a number of interesting posts and conversations about using technology to make finances simpler and less daunting, and we'd love to see you stay active in the challenge and share your perspective on this important theme.

In fact, your idea aligns nicely with Dylan Jones' idea "A Personalized financial guide and incentive system" ( We hope you'll check out the conversation, and share some of your insights here! We're all about finding common themes, combining efforts and collaborating, so don't hesitate to jump in :)

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