In what could be considered the most lackluster yearly summary, **British online bank Monzo** has once again unveiled its rendition of **Spotify Wrapped**, providing users with a brutally candid—or mildly lenient—view of their spending patterns.

Originally rolled out last year amid a deluge of memes and exasperated sighs, **Monzo’s 2024 wrap-up** has made its comeback, igniting another round of collective embarrassment. Nonetheless, this time the bank has listened to user input. Rather than compelling everyone to face their financial decisions head-on, Monzo now allows users to tailor their experience. You can decide whether the app presents your spending overview in a “nice” manner or a “savage” one. Because who doesn’t appreciate a sprinkle of emotional turmoil while managing their budget?

“The nation’s beloved spending summary is back,” Monzo’s website boasts. “And this time, you determine how we recap your year. We can be nice or savage. It’s your choice.”

### **What Does the Wrap-Up Include?**
If you select “nice,” the app adopts a softer tone, showcasing your favorite shopping spots, dining habits, entertainment expenses, bill-splitting tendencies, savings achievements, and even the nations where you’ve used your card. It’s basically a congratulations for making it through yet another year of capitalism.

Conversely, if you’re up for a challenge and choose “savage,” you’ll receive the same information—but with a dash of sarcasm. Monzo doesn’t pull any punches, offering biting remarks about your spending behavior.

For example, the app poked fun at my love for M&S snacks with a tongue-in-cheek “Okay, fancy pants.” It also chided me for dining out too frequently with a snarky “Newsflash: your fridge is closer.” And when it came to splitting bills with companions? “Money can’t buy friendship. But you sure made an effort,” it quipped. Ouch.

### **A Tip of the Hat to the Memes**
You have to hand it to Monzo—they evidently took note of the memes and critiques from the previous year. By allowing users to dictate how much honesty they can tolerate, the bank has transformed its wrap-up into a distinctly personal (and sometimes uncomfortable) experience.

So, whether you’re prepared to laugh, weep, or experience both, Monzo’s year-end recap is here to remind you of every questionable financial choice you made in 2024. Choose wisely.