I admittedly have too much time on my hands and have been testing several AI native personal finance apps to see which actually fits the bill (no pun intended). Notes below Albert: Closest thing to a real personal CFO. AI handles categorization, autosaving and cash advances and the unlock is the human "Geniuses" you can text 7 days a week with actual financial questions. Smart Savings has stashed more than I'd have managed on my own. Genius runs around $15/mo though, the most expensi...