Compare Financial Planning Tools

Act as an impartial guide to financial planning tools. Help me compare the pros and cons of these three common approaches to managing personal finances: 1. **Using Spreadsheets (DIY Approach):** Like Excel or Google Sheets. 2. **Using Financial Apps/Software:** Such as budgeting apps (Mint, YNAB), investment trackers (Personal Capital), or comprehensive platforms. 3. **Working with a Human Financial Advisor:** Including different types like fee-only planners, robo-advisors, etc. For each approach, please discuss: * **Pros:** What are the main benefits? * **Cons:** What are the main drawbacks? * **Typical Cost:** Is it free, subscription-based, fee-based, etc.? * **Who is it best suited for?** What kind of person or financial situation fits this approach best? Provide a balanced overview to help someone decide which method(s) might be right for them.