Before I bought a house, I built a stupid simple model to understand what my monthly expenses would look like. What you get an appreciation for is that very quickly you can go from comfortable to precarious with just a few additional fixed expenses (childcare, a new car, a boat).
Without laying it all out and seeing how your numbers change, it's hard to get a visceral appreciation for your finances.
=SUM(A1:A10) is no easier to do than sum(data$column). Why are we educating generations of excel users instead of generations of R and python users in undergraduate business programs? It seems so wasteful of young educated talent to learn how to do the same thing with such limited software, if its no harder to learn a general purpose software like python or R and do that same thing plus infinite more things.