I shudder to think about how much time it takes to juggle all the different financial things I deal with, and how sub-optimal they are because it's too much of

I shudder to think about how much time it takes to juggle all the different financial things I deal with, and how sub-optimal they are because it's too much of a pain to coordinate. Lovely example: I have autopay for all my recurring expenses except my water bill. Through some mixture of losing some information and the shittiness of their website, I can't get a login to set up autopay. So each month, I spend a few minutes on the phone to pay--it doesn't require authentication to pay over the phone, but it requires authentication to pay over the web.