General Feature Request

As a new user (and computer programmer) it took me days of research and wasted time to find out why my transactions were not coming in immediately (as they used to when my FI supported OFX back-end downloads for Quicken). My FI turned it off, but Plaid (and MX and Finicity, on Monarch Money and on YNAB) said they could still get my data. They were LYING. It took days to update. And not all transactions were coming through accurately and quickly (like in the old days when I had a Quicken connection via OFX directly to my bank: it would only take seconds.) So what was I doing wrong? It turns out: Nothing. It wasn't me. It was THEM. I found out that -- WITHOUT TELLING US -- Plaid "scrapes" the HTML from the pages on our FI's web sites, when it cannot get a direct back-end OFX or OpenBankingAPI connection. This scraping takes longer and is VERY error prone, and was driving me to distraction!!! The whole time I thought it was ME that was doing something wrong. There was NOTHING telling me otherwise. After days of research (much of it is pretty hidden if you don't know what to even search for), I realized what was happening. I really would like feedback inside the lunchmoney app itself (and MonarchMoney and all others) that tells me: What is this middle broker's (Plaid's, Finicity's, MX's) method for getting my data? Because FRANKLY if it is going to be HTML scraping, I'd rather just upload CSV. HONESTLY: PLEASE!!!! STOP WASTING OUR TIME!!! Plaid should have to SAY what back-end method it is using, and this should be communicated clearly through onto the front-end app's info or home page. How many thousands -- or even millions!? -- of folks' hours have been wasted by this simple lack of transparency? And I would like this feedback to involve not just a flag on the main or connections info page, but ALSO an actual Pop-up window, for new users, telling us our data will NOT be reliable and it will also be slow and recommending we NOT use HTML scraping, but CSV uploading for now. At least newbies would KNOW what is going on and not waste so much time and confusion. Again, this is not just for LM, but for all apps using these middle-men transaction brokers like Plaid/MX/Finicity. Thank you!

Use case #1: Help plan for "By X date, I need Y set aside" Use case #2: Set a budgeting goal for a specific category to "Save X amount every month"

It would be really great to be able to collaborate on finances with your spouse, without having to expose all of your expenses into a single budget. For example: We manage our budget by having a shared account that we use for most expenses (groceries, house payments, travel, etc). But we also pay into personal accounts to give ourselves some freedom to spend as we please for personal expenses (new golf clubs, toys, makeup, etc). It would be nice to be able to collaborate on a single budget, but be able to only see the expenses that are shared into certain categories. My personal category expenses would only be visible to me, and her personal category to her, perhaps with an ability to share or hide the total category $$ .

I'm not sure if this is the section under which to add this suggestion (there are so many 😬) One of the most underrated features of Mint which I don't see in Lunch Money or other PFAs is the bill tracking. It shows upcoming bills (credit card bills are the most important for me) which makes it really easy to confirm I have enough funds in my bank account from which I have autopay set up. I'd love this in Lunch Money.

tab between fields in Transactions review transactions navigate table like a spreadsheet create new transactions, recurring items, etc. close side panels with the esc button

It would be ideal to have the option to opt in or out of email communication during registration or onboarding. This could include a toggle for "tips & tutorials", "community newsletter", "product updates", "monthly summaries" and "annual summaries". Would be great to allow managing these via the Settings page afterwards as well.

Problem. description: Need to have global financial visibility on my finances Today I am limited to a single view of my finances As a Personal user a need to have possibility to have a "join account" and also a "personal account" or "investment account". The multiple account can share the same bank with separated accounts (same bank different accounts). Visibility/Access of the personal account to be limited to the user login account.

A master budget, for a family or couple. This would integrate Budget A and Budget B, so each individual can track their expenses and this can be tracked all together.