I second this. I feel silly paying for it, but if you (and your spouse, if applicable) totally buy into their system, it’s a way of life. The biggest thing is how it sets up purposeful sinking funds (instead of just “savings”) - every dollar has a job. Now when we have major expenses, it’s like - meh! Water heater went out? No sweat, home maintenace got you covered. And if it doesn’t, you roll with the punches and transfer it from some other category.