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I've found it's not worth it. What I've had be most impactful is just to look at all the transactions on my accounts every paycheck. I notice subscriptions to cancel, spending I want to change.

I don't think looking at sums is actually much more powerful than looking at items. The count carries a weight. There's also no chance of analysis paralysis, slicing and showing things a hundred ways to avoid the heart of the matter. It's just you and the transactions. It leads to less understanding but better decisions.



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