the answer if slowing down and taking up learning how to use spreadsheets, slightly better tier. gog like tier is to learn just enough programming to process csv file format in any language that can do the calculations and import into spreadsheet. immortal tier create your own system with programming knowledge, have 4 bank accounts current, billing, savings 5k max and finally investment. sent what you require to billing with over payment to keep the account in black, send 20% to investment, everything else is your current and that is what you have left over to spend.
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