But overall I don’t think it has effected my mental health

You appreciate those smaller things more. But overall I don’t think it has effected my mental health much. I know some people take vitamin D pills during winter to compensate. What you need to understand is that what Mint and Personal Capital are doing is basically a kludge. They are creating scripts that log in to your account, navigate to the appropriate page, and programmatically strip the relevant data from your account, scrub it, and report it using their tool. They doing this for hundreds of financial organizations, maybe thousands, because virtually none of these organizations provide APIs for doing this reliably.

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