So apart from the alternatives people use today that I mention above, the most direct mentionable competition would be coach.me, stickk.com, and pact.com. We're taking the best bits of each and focusing them on letting users build an entire daily routine.
There are lots of possibilities to make money. We're starting by charging a small fee (1-2$) per achieved goal - so no cure, no pay. We're building the model with insurers in mind who have a huge benefit if current and prospective clients live healthier. Companies also benefit from more productive and healthy employees, so there could be a model there.
