Plain answers to the money questions people actually search for, from the person building Ralphy.https://getralphy.app/enhttps://getralphy.app/blog/available-balance-vs-current-balance/https://getralphy.app/blog/available-balance-vs-current-balance/Banks show two balances and the difference between them is not a rounding error. One of them can be higher than your real money, and on a credit card the whole thing inverts. Here is what each number means and which one to trust.Fri, 21 Aug 2026 00:00:00 GMThttps://getralphy.app/blog/do-budgeting-apps-work/https://getralphy.app/blog/do-budgeting-apps-work/Somebody ran a randomized controlled trial on 9,035 people to find out. Spending did not drop. Here is what the study tested, what it did not test, and why it is evidence against the app I am building as much as any other.Fri, 21 Aug 2026 00:00:00 GMThttps://getralphy.app/blog/how-much-can-i-spend-today/https://getralphy.app/blog/how-much-can-i-spend-today/Your balance is not the answer, and neither is a monthly budget. Here is the arithmetic that gives you a number for today, and how to do it on paper if you'd rather not install anything.Fri, 21 Aug 2026 00:00:00 GMThttps://getralphy.app/blog/is-it-safe-to-connect-your-bank/https://getralphy.app/blog/is-it-safe-to-connect-your-bank/The useful answer is not yes or no, it is what the app is allowed to do once connected. Here is what actually happens when you link an account, the questions worth asking any app, and the risks that remain after you have asked them.Fri, 21 Aug 2026 00:00:00 GMT