How We Started
Back in 2018, I was working with a family who'd been struggling with their finances for years. They had decent income but couldn't figure out where their money went each month. Traditional budgeting apps weren't helping — they needed something different.
That's when we realized most financial education focuses on short-term fixes rather than building sustainable habits. People don't need another expense tracker. They need to understand how their spending decisions today affect their lives five or ten years down the road.
So we started CognetraLogics with a simple idea: teach budgeting as a long-term skill, not a monthly chore. Our approach combines practical money management with realistic goal-setting that fits Taiwan's unique financial landscape.