Trust me, it's not just you. That is exactly why I couldn't use any of the budgeting apps. I'm an adult and I don't want to be told by an app where I can spend

Trust me, it's not just you. That is exactly why I couldn't use any of the budgeting apps. I'm an adult and I don't want to be told by an app where I can spend my money. Funded takes an "anti-budgeting" approach. You only set up your obligations and savings. You're left with discretionary spending that rolls over every paycheck and you can spend it on whatever you want. Not tracked and not budgeted. Lmk what you think!