[slavoingilizov]

100% this. Collecting and validating data should be so easy that you don't have to think about it. Otherwise I find I can't stick to any solution/tool for too long. If discipline is required, then it's too complicated.

This is why I've started looking into tools which automate the data collection. In the UK (and EU more broadly), after Open Banking got introduced there are many apps popping out which basically connect to your accounts (Credit Cards, bank accounts, etc.) and combine all data into a single place. Does Plaid not enable this in the US?

It's not "100% accurate" but most enable you to do auto-categorisation, smart reporting and budgeting as well. They are not open-source but do much more than I'd ever be able to do with PTA (not because it's not supported but because it requires effort). Of the 2 bad solutions, they seem to be the less bad for me.

Some example apps: Emma, Yolt, Lumio.