Thanks, how are the mobile vs web apps? I found some other services but they're a bit janky on the mobile side whereas with Mint I only used it for mobile, albeit as a reactive rather than a proactive budgeting tool. On that note, how does Monarch compare to YNAB or something where you budget proactively? Is this what you alluded to by "beginner friendly budgeting interface," like what parts make it beginner friendly?