> I disagree.

We may have to agree to disagree. However, I do want to respond to
your comments...

> Yes we should all spend less than we earn, but that should
> be a conscience decision, not an artifact of mistakes we've made in
> data entry.
>
> I still think MoneyWell should enforce this check by default as it is
> a huge stumbling block for new users....  ...although I have yet
> to hear a compelling case for why you'd intentionally let your account
> balances diverge from your bucket balances.

I very consciously made the decision to allow my Bucket Balance to be
far below my account balances. To me, bucket amounts are what you have
decided to spend, and I DO NOT want to spend every penny I own. Some
of the money I have in savings I plan to spend, but most of it is
money that should not factor into my plans for spending.

Fundamentally, however, bucket balances are meta-information separate
from reality, and have different meaning for individual users. They
are simply a tool for your goals, and it's up to you to form them into
depictions of what you need to know. It's fine if you see them as
another way of catching errors in data entry. I want buckets to allow
me to save as much as possible, so it's useful for me to have balances
that tell me I have less to spend than I actually do. Forcing this
metadata to fit reality with default behavior, however, will disrupt
its benefits to users like me.
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