The real question is: does your wife use it? I have an excel budget that I updated based on our real spending habits every couple months. I also use projectifi

The real question is: does your wife use it? I have an excel budget that I updated based on our real spending habits every couple months. I also use projectifi for the long term asset planning, using the budget as an input for our surplus cash. My wife has never opened either and has vague anxiety (read: frustrating) about going on vacations or making big purchases even though we’re doing great. I’m the sole income for 5 so I suppose I have to take the mental load of ensuring things are budgeted, diversified, HSA/529 is funded etc.