I am investigating the possibility of developing an app to assist millineals in making personal financial decisions. For example, if they have annual savings should it be used to pay off loans and, if so, which ones first. Or should they use the savings to invest in a 401k or IRA? Or, with savings, should they invest in a 401k or an IRA or in a personal account. The investor would input personal information; e.g., loan terms, 401k details (e.g., matching?). The results, including alternate scenarios ( e.g., different return, risk and inflation assumptions) would be provided to the investor providing them the information necessary to better manage their financial future.