[johnsocs]

I'm actually a YNAB user. My wife and I started using it recently and really enjoy application. The budgeting system works perfect but there are a few features I wish it did have.

1. Target goals - Take the thinking out of saving for a target, you should be able to tell the system I want to save x in y time and it should tell you exactly what you need and if you adjust your budget when the new target date will be.

2. I want to be able to enter my bills into the system when the arrive at my house and have it remind me to pay them X days before they are due. I don't want the paper bills sitting on / in my desk until I pay them (QuickBooks can do this).

Also checkout: https://www.everydollar.com/

I believe Dave Ramsey and his people have put this together is free unless you want bank connection BUT still makes the end user think and do some work. I a totally automated system is BAD as people put their fiances on autopilot.. this SHOULD require some work.