Managing money has become a full-blown side hustle. Between rent, loans, triple-digit grocery hauls, and those pesky free trials that always turn into long-term relationships, keeping track of it all can be taxing. According to Bankrate’s 2025 Money and Mental Health Survey, 47% of millennials say money negatively affects their mental health, at least occasionally (Bankrate).
But what if your money just handled itself?
That’s the idea behind self-driving money – automating the parts of personal finance that are tedious and time-consuming. Rather than constantly logging into 5 different apps and manually transferring $50 here and $300 there, your money quietly moves where it works best based on your goals and preferences.
So, What is Self-Driving Money?
No, it’s not exactly a Tesla for your wallet (although that would be cool).
Self-driving money is an intelligent and automated system that learns your financial tendencies and moves your funds for you – saving, investing, paying bills or even tackling debt.
Thankfully, apps like Piere make this easy. It connects your checking, savings, investment, and even loan accounts, then leverages AI to find the best path forward and optimize how to shift money between your accounts. You tell Piere your goals – a vacation to the Caribbean, building up your emergency fund, paying off that high-interest credit card – and it takes care of the rest.
No outdated spreadsheets. No second-guessing. Just automatic progress in the background.
Why Millennials Need This More Than Ever
We grew up with digital everything. Cellphones, tablets, streaming services – the list goes on. But somehow, money management still feels like a relic. Most people in their 30s or early 40s aren’t necessarily struggling with how much they make; they’re struggling with how to manage it without going crazy.
We’re the generation that tracks macros more than we track our budgets. We’ll Venmo someone $5 but forget to transfer $300 into savings. Between an ever-rising cost of living, uncertain job market, remote work, and mental load of decision fatigue, self-driving money isn’t a luxury anymore, it’s a necessity.
In fact, nearly 46% of millennials say they don’t feel financially secure, according to Deloitte’s 2025 Gen Z and Millennial Survey (Deloitte). The same study highlights how financial pressure consistently ranks among the top three sources of stress for this generation.
Thankfully, Piere takes on the role of your personal CFO. Taking away some of your financial burden, while simultaneously organizing and optimizing your money without needing your daily permission slip.
5 Ways Self-Driving Money Actually Helps You Save
1. It Makes Saving Invisible
Out of sight, out of mind. When savings are automatic, you don’t feel the sting. Piere automatically transfers custom, goal-based amounts between your accounts so you don’t have to babysit your money while you make progress.
2. It Can Keep You From Overspending
No one wants another app that simply lectures you about ordering too much takeout. Piere actually budgets your money for you based on your bills and goals, helping you spend with more confidence and avoid stepping over invisible lines (yes, even the Target checkout line).
3. It Moves Your Money at the Perfect Time
Ever moved money to your savings just to transfer it back a few days later? Or even worse, have forgotten to transfer it back and gotten stuck with an overdraft fee? Piere times your transfers based on your pay schedule and spending habits so you’re saving effectively, not stressfully.
4. It Stops You From Starting Over Every Month
Most budgeting apps last as long as a New Year’s resolution. Started in January, forgotten by February. Piere builds sustainable habits for you by adapting to your lifestyle and constantly running in the background so your system keeps working, even when you’re not thinking about it.
5. It Turns Your Goals Into Actions
“Save for trip to Japan next summer.” “Pay off car.” “Build up emergency fund.”
You set your goals, and Piere takes the wheel. Each transfer, each allocation, each balance shift happens with intention and gets you closer to your goals. It’s your financial plan on autopilot.
And if you’re wondering what those goals tend to look like – a CFP Board 2024 survey found that 46% of millennials listed financial independence as their top life goal (CFP Board).
Money That Moves For You
The truth is, financial bliss doesn’t come from constant control or effort, it comes from consistent systems. Self-driving money is how you finally attain both: stability and sanity.
You don’t have to chase savings or micromanage your accounts. Piere takes charge of your financial life so you can focus more on the rest of your life. Adulting may never be perfect, but at least it can be automatic.
Ready to put your money on autopilot? Start building your self-driving financial plan today with Piere