Life is hard to automate. Some months you take home less and spend more. Sometimes, things need repair or you go on a vacation. Perhaps a job changes, retirement plans change-and all of this impacts your savings, investment and retirement plan.

It’s hard to imagine a website or app managing all of these scenarios because the issue is not purely numbers-it encompasses human behaviour, random chance and the hard numbers of cash flow and taxes. On the other hand, some things are purely numbers.



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