[1123581321]

I appreciate the breakdown but I think you’re out of touch with how easy auto-import has become for most PF software users. They just see whatever new transactions have come in, as often as they care to look at their budgets. Like checking email.

[kleebeesh]

Maybe out of touch. I've used them all (Mint, ynab, pocketsmith, buxfer, some google-sheets-based app, probably tried a dozen others). All of the auto-sync features had obvious bugs. It works for a few months and then you end up with junk data. But if it works for you, carry on!

[rsyring]

Contra anecdote: been using auto import with YNAB for years with multiple accounts and never had junk data. At least, not of that means the data is wrong/corrupt.

The two issues I have had:

1. Have to reauthorize bank connection, but that's Plaid's issue I guess.

2. Payee names are all over the place because it's often the merchant name. I used to try and fix these and only have a single page payee for each entity, but gave up.

[tomc1985]

Side question, why are merchant names always so cryptic?

[1123581321]

My best guess is you have an unusual data source most don't have. I wasn't describing an anecdotal experience but the reliability in aggregate.