❧ Describe, in your own words

To fulfill its real mission, personal finance software should result in users having more money. I’m not saying if you use these applications you should expect to get rich, but the real purpose of this category of software is to let you do more with what you already have — in effect, to budget your finances. Most applications, in my experience, offer rudimentary tools for this, at best. They focus a disappointingly large amount of their efforts on creating pie charts and bar graphs, which like a lot of information graphics are really about giving you the impression that you’re understanding data without giving you any actual useful insight into that data.