I've been using FOLO for some time now and it's genuinely transformed how I manage my finances. Having all my assets and liabilities consolidated in one secure place with real-time updates eliminates the chaos of multiple apps and manual tracking. The design is clean and makes complex financial data actually digestible. One feature I'd love to see is automated financial health scoring with personalized recommendations - something that analyzes my net worth composition and suggests optimizations like rebalancing assets or reducing specific liabilities. Also, historical trend analysis with visual graphs showing how my net worth has evolved over quarters would add tremendous value for long-term planning.