Would it be possible to understand more about why it would be possible to spend money from a savings goal but NOT lower the Saved so far amount?
I recently accidentally used the Custom Amount withdrawal, which does not lower the saved so far amount. This number is also prominent in the UI and led to some confusion on why the saved so far amount did not add up to the underlying funding account that was feeding my goals.
I eventually found that I did the same withdrawal method on two different goals as I was moving funds between goals to align to the timelines I have set. It led to the totals being off by 3.99. And it appeared initially like I had somehow created fictitious fund availability, as the saved so far numbers were adding up to a number higher than my funding account balance.
I was told by support that the Custom withdrawal feature, which does not impact the saved so far amount, was a recent new feature.
What is the rationale for allowing you to spend out of an account and not reduce the saved amount so far? To me, that number should be the same as the available amount, and it would have been a lot easier for me to spot where I had mistyped the balances upon setup. Separating the two makes this more complicated than it needs to be. If you spend out of a goal, you also reduce the amount saved so far by the very act of spending from it.
There is also no way to zero out the spent number and update the saved so far manually. So I had to delete both of the goals and recreate them again, so now it looks like I didn't contribute to these goals this month when I did in fact.
Some context on why Simplifi thought it would be a good idea to make this harder than it needs to be would be helpful. I wasn't able to find any features around this to explain the rationale, but I haven't read everything yet either.
With this method being available, you could easily end up with a 10k or 50k saved so far number on a goal that is only 2k if you spend from it often, if it lasts for a few years. That just doesn't seem useful as a number anymore at all. If you want to track that, in my mind, you would be better off using the categories or tags on the actual transactions you spent from or a spending plan number with rollover, which is also a recent feature release.
