It's a very robust, well-designed spreadsheet. Installing and setting up were actually rather easy (at least for me; I read the others stating they needed help); I found it pretty straightforward setting up Plaid, but you FIRST must request that your account be approved (it's free) through the Plaid website. That took them less than 24 hours, and I requested access on Easter Sunday. The issue I have with it is the complete lack of documentation. Specifically, when it downloads the bank information, it auto-assigns a category to each transaction and often incorrectly. I've searched through the sheet programming and can find nothing that indicates that the selection is made in the spreadsheet, so it leads me to the conclusion it is being drawn into the spreadsheet this way? Is there no way to change this programming?