Hey @getonthetrain, this is very insight full! I should up my game in tracking my finances! Do you have some tools that you use, maybe some scripts or Excell sheets that you are willing to share? I mean just the tools, not your personal data used within the tools :)
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Oh, I just use Personal Capital.
If you want to check them out use this link and get $20 for signing up: https://share.personalcapital.com/x/djD4z6