Run your own money tools — budgeting, receipt parsing, and auto-categorization — with a local AI that never sees your data.
The real math on price fatigue, privacy, and local AI.
Ledger + local brain + glue, explained plainly.
Actual Budget + Ollama, paste-and-run.
A local LLM turns receipts into categorized transactions.
Hardening a banker actually trusts — 3-2-1 + VPN + least privilege.
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I see both sides every day — the people who need better money tools, and the open-source tools that can give it to them for free. This guide is the honest bridge.