You're comparing life as a bootstrapper to a paid job more than life with accounting support of some sort to without. Further, there's no reason you can't do b

You're comparing life as a bootstrapper to a paid job more than life with accounting support of some sort to without. Further, there's no reason you can't do both. I don't account for my personal finances in any way, but I don't spend a lot on silly things. I do however use an app (http://streaksapp.com http://streaksapp.com) to push me. Without that, I'd be more inclined to take the easier or lazier options. We can account for our time and progress even if we don't do it for finances.