google sheets for capturing recurring expenses against cash flow (salaried income + rsu vests + royalties). each recurring expense gets a "containerized" debit

google sheets for capturing recurring expenses against cash flow (salaried income + rsu vests + royalties). each recurring expense gets a "containerized" debit card from privacy.com (i.e. each card has a spend limit of however much each service costs). these cards pull from a bank account that is only used for auto-pay. for non-fixed recurring expenses (like water and electricity), i set a high estimated monthly cost and adjust downwards as patterns are established i don't trade stocks enough to track them with any regularity. expensify for capturing regular expenses, like groceries and food, which are paid with a credit card that is paid off every two weeks. because all bank alerts route to expensify, i capture every transaction i make. i go through expensify weekly and separate "budgeted" recurring expenses and daily expenses. i also made an API that uses their backend for their frontend to send receipts with iOS Shortcuts. i aggressively convert repeated transactions into recurring expenses to smoothen free cash forecasting. amazon subscribe and save has been immensely helpful here. this has been my stack since 2016. it has been amazingly successful for me. i know exactly what i can and can't afford and their % of my net income. i can also track lifestyle inflation with incredibly high granularity.