scotttopic

I look at this from the opposite perspective. Seven years of YNAB4 trained me to include manual entry of every transaction, assigning categories, splitting it as necessary, etc right there at the moment I make the purchase. It's baked into my process, as that was one of the core components that the old YNAB taught. At this point I could never trust an automated system for everyday purchases, where it couldn't accurately know how to split transactions, or where to assign things (although scheduled bills I do input as recurring transactions so to an extent I do have some automation).

For example, take a trip to Walmart where you purchased things that cross like 3 or 4 categories. With a system relying on importing data from your bank, a couple days after the transaction posts you'll have this generic assignment to Walmart, and you must then try and remember how to split it (eg between Groceries, Clothes, Technology etc). Instead, I have my transaction manually sorted in my YNAB app before I've even left the store.