And Then I Almost Died (and Built a Money App Anyway)
By Jennifer Rayner — accidental entrepreneur, reluctant financial advisor, and founder of Moniwell
💬 A founder story for people who hate founder stories. A money story for people who hate talking about money.
This isn’t a TED Talk or a tech-bro memoir. It’s what happens when a regular person tries to do something big—with no roadmap, no funding, and a deep belief that money is emotional… and we’re all a little messed up about it.
It’s also what happens when your startup origin story includes a trauma bay.
🌀 What It Is
A fast, funny, brutally honest read (about 30 minutes)A raw look at what it really feels like to build something without a perfect planA story about saying yes to something scary—and figuring it out one breath at a time👀 Who It’s For
People who freeze when a budgeting app tells them they’ve “overspent”Anyone with a messy money past and a good gut instinctReaders of any age who want something real—no filters, no fake winsFellow chaos wizards, reluctant dreamers, and middle-of-the-journey human. 🔥 Why It Matters
The world tells us to share the glossy parts—the wins, the launches, the perfect end result. But we all know that’s not the whole story.
This is the other The part where you’re still figuring it out. Still scared. Still showing up anyway.
It’s not a how-to. It’s just the truth.
🧠 What You’re Supporting
This book is a scrappy, self-funded attempt to keep building Moniwell—and to finish developing the MOJO GenAI experience, a psychology-first app that treats money like the emotional topic it really is.
100% of profits go toward that mission.
Whether you’re 22 or 52, maybe this book will help you feel a little more seen, too.
Want to help build what comes next? Hear the story read out loud by the author?
You can listen to the chapters via podcast, join the GenAI app waitlist, or just feel a little less alone as we post notes from readers.
There’s a quiet corner of the internet waiting at 👉 pinktailmojo.us
Jennifer Rayner was born into the aspirational suburbia of the Hawke years, and came of age in the long boom of the Howard era. Her lifetime has tracked alongside the yawning inequalities that have opened up across the Australian community in the past 30 years. She has worked as a federal political adviser, an international youth ambassador in Indonesia and a private sector consultant, and holds a PhD from the Australian National University.