As others have said, a spreadsheet is the simplest. If you do your banking with a credit union, chances are they make MX available to you in your online banking. A lot of banks use MX too. Their software provides the projections and forecasting you seek, as well as Open Banking connections to all of your other accounts. If you have loans, it also has burndowns of outstanding debts. Extra bonus: MX doesn’t sell your data.

Disclosure: I used to work for MX.

If you look at from a different perspective, it all makes more sense. Right now, you’re trying to apply the incorrect logic and an ethical consistency to anti-trans efforts. The anti-trans efforts are a test to move the Overton Window rightward. Trans and NB people are such a tiny minority. By targeting and othering that demographic, Conservatives are testing how much the rest of the citizenry will tolerate the next steps in fascism: targeting other minorities, miscegenation, segregation, concentration camps… whatever it takes to make a white xian US.

This right here. I fell down the “wild boar problem” rabbit hole a couple years ago. I was curious about what controls have been tried and what could be done to bring things back into balance. The statistic I read said that 75000 boars must be killed per year in Texas just to keep their numbers stable there. Holy hell. That’s a lot of dangerous game hunting.