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I'm guilty of being averse to this too, even though I intellectually know that if I accept manually entering transactions, then there are so many more options I

I'm guilty of being averse to this too, even though I intellectually know that if I accept manually entering transactions, then there are so many more options I can choose for tracking finances. As it is, I'm locked into a Banktivity subscription fee... I think part of it is that it is just so hard to centralize all finances through just one bank. The best bank for retirement doesn't support business credit cards; the best credit cards are with completely different companies, etc. Monthly finances are a huge hassle as it is.

jjav 3y ago
> I think part of it is that it is just so hard to centralize all finances through just one bank. I always advice against single points of failure (whether software, security, or finance). Do the opposite, pick the best for each and intentionally avoid overlap. I have credit cards from every major bank but I don't have anything else at those banks. My accounts with money in them are in other institutions where I don't have cards or anything else. My mortgage is with a bank where I have nothing else with them, and so on. Decentralize, avoid too many eggs in any one basket.