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Rain lashed against the café window as I stared at my phone's glaring overdraft alert, that familiar acid taste of panic rising in my throat. My fingers trembled punching digits into a clunky banking portal that kept rejecting my password attempts. Three failed logins. Thirty minutes until rent autopay would bounce. That's when I remembered the blue cornflower icon buried in my app folder - the one my colleague called "a Swiss Army knife for financial meltdowns."

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