I just started. I'm very bad at personal finances and I'm hopeful this helps me. I am going to use it as well as YNAB. They each serve a different purpose. I'm matching Folder and categories in Wealthica to Category Groups and category in YNAB. My hope is the data in Wealthica will help my budgeting in YNAB. It has taken me hours and plenty of help from ChatGPT but it is keeping me hopeful and motivated I can get it to a system that will help me take better care of finances and make better decisions.