I don't disagree. This sheet is not as automated as an app like Monarch, Empower, or otherwise. I see this as a useful solution for people who want to have mor

I don't disagree. This sheet is not as automated as an app like Monarch, Empower, or otherwise. I see this as a useful solution for people who want to have more control over their data (flexibility to slice-and-dice data as they wish). Also, this sheet has the upside that it is free and will stick around forever, as opposed to apps like Mint which could be shut down on a whim.