I created You Need A Cash Plan for the simple reason that I find budgeting to be a lot of work for very little benefit.

It took me about 25 years to get the software right because along the way I was figuring out how household finances work. Nobody has ever done that because budgeting has been the default for over 100 years. It's always been a case of "do a budget" or be considered a failure with money. That's no longer true.