You spend a third of your life working for that money, surely you spend 5 minutes at most tracking how you spend it.
Being exposed to the crushing reality of my poverty, alongside the daily ritual of sending off job applications and reading rejection emails from last week's applications, took a heavy toll on my mental health. If I was running things that close to the bone again, I'm certain I could take that habit up again, but one of the ways I know I've come up is that my survival does not require me to categorize every transaction in real time and confirm adherence to the budget down to the penny.
I think part of it is that it is just so hard to centralize all finances through just one bank. The best bank for retirement doesn't support business credit cards; the best credit cards are with completely different companies, etc. Monthly finances are a huge hassle as it is.
I always advice against single points of failure (whether software, security, or finance). Do the opposite, pick the best for each and intentionally avoid overlap.
I have credit cards from every major bank but I don't have anything else at those banks. My accounts with money in them are in other institutions where I don't have cards or anything else. My mortgage is with a bank where I have nothing else with them, and so on.
Decentralize, avoid too many eggs in any one basket.
I don't know what's the point of using a 3rd party app for this, unless you feel very generous about providing your data for someone to sell.
I also don't know what's the point of reviewing transactions individually. If I pay something monthly (e.g. internet/car insurance/utility bills), I'm not going to look at it every month. I might check it at the end of the year to see if there are any 10x anomalies, but that's it.
I'm also not going to check transactions under $20, unless there are hundreds of them that are unexpected.
Although I do feel sorry for buyers who spend $1000+ every month on impulse shopping, but those are also the kind of people to never check their financial health anyway.