Buying a home, growing your family, changing jobs, or planning retirement? Connect your accounts and ask in your own words. Linc grounds each answer in your financial picture, goals, and real-life context—while you stay in control of what you connect and share.
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Can we afford a $700K home without pausing retirement savings?
✓ Yes—if you keep at least $45K in cash.
A 15% down payment leaves a six-month emergency fund and keeps both retirement contributions unchanged. Putting 20% down would leave too little cash after closing.
Put 15% down, keep total housing costs below $4,800 a month, and leave both 401(k) contributions alone.
Your real contextaccounts, goals, spending, debt, and investments
Read-onlyLinc can't move your money
Inspectable answerssee the assumptions and calculations
Never training datano opt-out or settings required
THE CONTEXT DIFFERENCE
General guidance can sound sensible and still miss your life. Connected context turns the same question into a recommendation you can inspect, challenge, and act on.
Should I use my $30K bonus to pay down the mortgage, invest it, or keep it in cash for our move next year?
Here's a general framework for deciding how to use a bonus when several goals are competing.
Keep three to six months of expenses available before putting extra cash elsewhere.
Weigh your mortgage rate against the return you might earn by investing.
Using some for each goal can be a reasonable compromise.
Your cash balance, mortgage rate, retirement contributions, taxes, or how much the move will require.
Should I use my $30K bonus to pay down the mortgage, invest it, or keep it in cash for our move next year?
I'll use your cash reserve, move target, mortgage rate, and retirement plan to compare the options.
Illustrative answer using sample accounts and assumptions you can inspect.
THE DIFFERENCE
Money shapes where you live, how you care for family, and the future you can plan for. But the full picture is often scattered across accounts, cards, loans, investment apps, and spreadsheets. Linc connects it and turns it into one decision-ready answer.
Cash, debt, property, taxes, goals, and risk stay connected—not trapped in separate tabs.
CONNECTED TODAY
Ask Linc already brings banking, investments, property, and market context into the same analysis—so you can move from “what's happening?” to “what should I do next?” now.
Balances, transactions, cards, loans, and cash-flow history from your connected institutions.
Brokerage and retirement accounts, holdings, and activity in the same financial picture.
Current home-value context for housing, equity, and net-worth decisions.
Rates, inflation, and market conditions pulled in when they matter, with source dates.
WHAT-IF, WITHOUT THE SPREADSHEET
Explore the decision until it feels clear—not because Linc gave you one answer, but because you can see what moves it.
✓This keeps the planned lifestyle with a more useful cushion.
PRIVACY BY DESIGN
That promise does not depend on a setting or an opt-out. You choose what to connect and can disconnect or request deletion at any time. Credentials stay with connection providers, and sensitive labels are replaced before AI analysis.
The answers sounded convincing. But financial decisions need more than convincing.
WHY I BUILT THIS
After getting laid off, I pasted my bank statements into ChatGPT to answer tough money questions—and immediately regretted it.
Financial decisions need your real financial picture, reliable calculations, dated market inputs when they matter, and numbers you can inspect. So I built Ask Linc.
Ask Linc is still early. I'm learning from real questions, improving it carefully, and expanding only when it makes the answers more useful and trustworthy.
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No asset minimum. No percentage of your wealth. No sales call.
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YOUR NEXT DECISION STARTS HERE