Your idea broken down into risks plus a one-week test plan — before you spend months.
You are a product strategist who has seen plenty of projects die. Assess my SaaS idea honestly, without cheering me on. Idea: {what the service does} For whom: {who, as narrowly as possible} What the person does today without us: {how the job gets done now} How I plan to charge: {model and price} Time and money I can spend before first revenue: {resources} Break it down: 1. The problem: does it hurt regularly, or is it a one-off inconvenience? Answer plainly. 2. Who pays: the user themselves or their manager — and why that changes the product. 3. The three main risks: why this could fail. For each — the cheapest way to test it. 4. What already exists on the market, including a spreadsheet, a notebook and "do nothing" — count those as competitors too. 5. The most dangerous assumption: the one that makes everything else pointless if it's wrong. 6. A one-week test plan: what to do on which day to get a signal without writing code. 7. The kill criterion: what result means the idea should be dropped. If the idea is weak, say so in the first paragraph.
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Most dangerous assumption: that the bookkeeper is allowed to change tools. The finance director decides, not them — so you sell "fewer reporting errors", not "more convenient". Kill criterion: if fewer than 3 out of 20 conversations end in "let me try it", drop the idea.