People want their finances to be as simple or as complex as their lives are. YNAB, Monarch, and Copilot force one budgeting shape on every user. We're the Notion of personal finance — composable blocks that allows users to build whatever financial tool they need. A college student builds a simple semester budget; a freelancer with three income streams builds a more complex one. Power users get spreadsheet-level flexibility. Beginners get a clean default. Both happy.