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How so? I efficiently budget with Mint. It's able to consolidate all of my family's accounts and seems to do a great job at categorizing.


Mint has never worked for my wife. When she's out looking to spend all of our money she doesn't want to be bothered trying to open up mint and get a current snapshot of our finances. She also doesn't care about our 401k or brokerage accounts.

The only thing which has worked is the Simple app that by opening it tells her exactly how much money she can spend without sabotaging her savings goals.




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