the parent literally typed that they used to do just this, didn't have to anymore thanks to Simple, and didn't want to go back.
I'm also a bummed Simple customer and they made it so easy to set up buckets for literally anything with zero overhead, which encouraged a ton of saving from me.
How long have you been a customer? Do you feel it's changed your habits to the point where you wouldn't need to rely on software to save (other than spreadsheets)? (I totally understand your point about the "zero overhead" - that is really appealing)
Not the person you're asking, but I've been a Simple user since 2016.
When I started, I was diligenty using the savings goals. I had a goal for a car, a house down payment, cell phone upgrade, etc.
Eventually as my account and goals grew, I found it to be stupid to leave so much uninvested. I just kept a mental note to keep my balance at around $15-20k, transferred everything else to my brokerage.
I'm also a bummed Simple customer and they made it so easy to set up buckets for literally anything with zero overhead, which encouraged a ton of saving from me.