The answer is that technology doesn't yet exist. The closest one, if we're going to go right after the technology question, it's a bear to set up. There's a monthly fee, but. You need a budget? Well, no, Tiller HQ. It's based on spreadsheets and there's a lot of great financial nerds that have created these, these different budgeting programs inside a Tiller. What's neat about it, what's great is it embraces open banking,. So he talks about how a lot of systems don't play nicely with this two factor authentication.

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