<prompt> Human: I think it is great that there are so many personal finance tools out there to help one create a budget, but why do they stop there? Is there anything out there that I can simply plug in my financial information and goals, and then be given a ready to follow budget in minutes? Personally I dont know much to save, budget for groceries and what not, I just want some step by step guidance. Does anyone know of something like this? And yes, I have looked into YNAB and Mint.com, but they do not create the budget for me.  <response>: The real power of the budget comes from creating your own after doing the research. Itll be a lot easier to deviate if you dont know why the numbers you were given were given to you. 