Have you considered tweaking Emma to make it more relevant, more focused for different stages of life?
In very broad terms
- School days - still at home, still at school, no or very few bills to pay, possibly part time jobs, mostly spending and possibly saving
- Young single adult - at uni or starting work, possibly renting or sharing or mortgage, so rent/mortgage, income, saving, pension, credit cards, if in share house, sharing bills etc.
- Young married - possible focus is saving for buying or mortgage, saving for kids, family holidays, career progression or growing their own business, keeping track of credit cards etc.
- Adult - Single or married, mid career, bit not yet worried about retirement.
- About to retire - focus is on have I got enough to retire, forecast spend vs forecast income from pension, savings etc
- Early/young retiree - retired so focus is on forecast spend vs actual spend, assets and income from assets. ‘What if’ forecasting, i.e. what if i draw down 4% or 7% etc. Education probably not applicable.
etc.
Just a thought. No idea how difficult this might be to change:
default categories per stage in life
reports
forecasting
etc.