 paycheck planning features and the baby step features and all that stuff but tens of millions of people are doing this now it is the world's best budgeting app and it was born because this redneck hillbilly standing in line at Kroger 35 years ago going you're an idiot talking to myself I'm not living like this anymore I don't want to be this scared anymore I don't want to be this incompetent anymore I don't want this taste on the back of my tongue that tastes like regret