There are some databases with spending habits, so you can compare your spending to folks with similar households, and some prudent guidelines. But it's not rock

There are some databases with spending habits, so you can compare your spending to folks with similar households, and some prudent guidelines. But it's not rocket science and a bit silly. You don't really need to remind sneakerheads they spend more than average on shoes, or pennypinchers that they spend (too?) little. For most people just keeping tabs of spending helps them reign it in. Setting up auto savings and pension contributions also helps. The next step is using cash to pay for discretionary spending - not more automation.