In my opinion budgeting apps conflate accounting with budgeting. Categorizing bank charges is accounting. Spending money then categorizing expenses is a terrib

In my opinion budgeting apps conflate accounting with budgeting. Categorizing bank charges is accounting. Spending money then categorizing expenses is a terrible way to budget in my experience. It’s backwards. I separate my income into different accounts, then spend from those accounts. This has many advantages: - Not possible to overspend. - Extra money rolls over. - No time wasted accounting, labeling, reconciling, etc. - No need to share transaction history or credentials with budgeting apps. Privacy.com let’s you create virtual credit cards with spending limits. That’s the closest thing to my ideal budgeting app, but the limitation is I can’t withdraw cash. The app I want is a bank that can easily create multiple accounts and associated debit cards. Before online shopping this was simple, I just had to take out the cash I needed for the different categories and keep them separate.