This is an incredible resource, +1. I started using ledger heavily about a year ago and it's been a game changer.

Personal accounting is about data capture; if you don't gather good data, you end up with garbage in garbage out analysis. Having a simple, non-propretary file format enables so many things. The data capture side (OFX/QIF/CSV files, bank websites, etc. etc.) is still clunky and painful but that's a hard problem to solve.