Why must I be obligated to use the Spending Plan and Planning Spending features? As far as I can tell, the "out of the box" experience forces the Spending Plan upon me. Yes, I can disable the notifications but the Spending Plan dashboard is front and center in the app, scolding me at the outset.
Maybe a user is not ready to engage in the defining/enforcing of a budget. Maybe they already have an alternative method to the spending plan already established outside of Simplifi. Maybe the Spending Plan's current implementation doesn't map well to their income/expense patterns.
I imagine that the friction is particularly high for users whose income is sporadic (e.g. people who work in sales and receive quarterly commission) or those who have larger periodic expenses that don't map to a monthly cycle (e.g. semester-aligned school tuition payments).
I'm aware of other feature requests to have different budget cycles, and the notion of rolling unspent funds over etc. but I don't want to engage in the whack-a-mole of making the Spending Plan work for my circumstances, I would like to simply disable it until I'm ready to embrace it.
Even if its default-on for new users, please at least allow users to disable the Spending Plan feature. What should disablement look like? IMO, that portion of the left navigation bar could be grayed-out (so that its still discoverable), and any related tracking and notifications suppressed.
If I didn't choose to be beholden to a budget, the product shouldn't be scolding me about some default one it decided for me.
