Lovemoney Product Concept & MVP

I’m looking for an experienced product strategist-developer who can help me turn the working title “lovemoneygfgg” into a clear, build-ready MVP. I have not yet committed to a specific platform or core function, so I need guidance on whether the idea is best launched as a web experience, an iOS/Android app, or a cross-platform solution.

What I need from you:
• A concise discovery document that captures key goals, target users, and the most promising direction (e-commerce, social networking, or personal finance management).
• A feature shortlist and user-flow diagram for the chosen direction.
• A high-level technical plan outlining recommended stack, third-party APIs, and hosting options.
• A rough development timeline and milestone breakdown leading to a workable MVP.

I’m flexible on tools, but please reference the ones you’re most comfortable with—whether that’s React, Flutter, Laravel, Node.js, or others—so I can see how they fit the roadmap.

If you’ve taken an idea from concept to launch before and can communicate clearly, I’d love your perspective.