Interpreted Prediction
Despite claims of not being able to afford budgeting apps, spending habits (e.g., $700 on dining out) are identified as the primary barrier to financial improvement, making affordability excuses invalid.
AI Evaluation Notes
The prediction suggests that spending habits are the primary barrier to financial improvement, invalidating affordability excuses. The statement made in December 2025, citing a $700 dining out expense versus the cost of budgeting apps, supports this claim as people's spending habits are the main barrier.