I've spent 12+ years writing automation systems for production platforms — test frameworks, API testing pipelines, the kind of code that runs invisibly so people upstream can ship faster. A few weeks ago I shipped Finfolio — a single-HTML-file personal finance tracker. No backend. No sign-up. Your data never leaves your browser. It tracks every asset class an Indian investor actually holds — mutual funds, SGBs, FDs, ESPP/RSU, PPF, NPS, real estate — pulls live NAVs from AMFI, has Gmail OAuth to auto-categorize bank alerts into expenses, and has an AI layer that analyzes your portfolio with your own API key. Repo here . MIT licensed. Free forever. This weekend I shipped a Notion template that does ~30% of what Finfolio does. And honestly, I think it might be more useful for more people. Here's why. The lesson Finfolio taught me Finfolio works. I use it every day. People who like full-control technical tools genuinely like it. But here's what shipping it taught me: most people don't want a tool.…