Came here to say exactly that

> 30-45 minutes every single month

That's 6–9 hours every year!

5 years: 30–45 hours

10 years: 60–90 hours

How many hours a year do you spend to make the money? How many hours is ok to spend then managing that money?

wow, a whole workday a year! People spend more time arguing on the internet in topics of no impact to their lives each year.

I'd still consider that toil (repetitive, manual, automatable work).

the beauty of beancount (and other plain text accounting ledgers) is the ability to automate them. I also have to go over my accounts in my bank app's automatic categorization and revise them every month, as some transactions get mislabeled.

Arguing is fun though

Not sure what you are insinuating, but 30–45 minutes per month to stay on top on your finances doesn’t sound particularly crazy to me.

I've concluded exactly the same! It's far more cost effective to buy individual books than paying for the subscription. Hard copies can also be sold if I decide not to keep them, which offsets costs even more

I used to sell things on amzn back in the day. Despite that good karma, one is required now to submit to a body cavity search to sell.