Just like the perfect personal trainer, this app is helpful but not pushy. For example, it doesnt keep your money until youve hit you goal "or else". It is still available to you, but its more like trusting you mom to hold on to some cash so you can save up for your first car. I also like that you can set it and forget it. Before you know youve saved without realizing it. Another great feature is eve of you do forget about it, which I always do, it doesnt forget about your balances in your accounts, so if youre low, it stops transferring to avoid overdraft etc, until youve come back up above a certain point (I have mine set at $100). The app is very user friendly and it really does make it feel like a game. Its important to have a healthy relationship with money and this is a great tool for that!