Oh yes this. Accounting apps (home and small business) are horrible for cashflow forecasting. I really have no idea how most people accomplish this task without a complex spreadsheet like the one I've built for myself and my small business.
Perhaps most people don't appreciate the importance of cashflow forecasting and just think as long as they have a budget for this month and make a deposit to savings each month they're fine. If that's the case I would say they're probably misallocating.
Perhaps most people don't appreciate the importance of cashflow forecasting and just think as long as they have a budget for this month and make a deposit to savings each month they're fine. If that's the case I would say they're probably misallocating.
YNAB? No YNAFSS.