This is a great topic - thanks for starting it, hbwilliams22! Here are my categories. I’ve tracked with far more granular precision in the past, but for the last several months this has worked great for me. For me, I find less is more when it comes to categories, tracking, and reporting.
I don’t even currently use tags, though I plan on returning to that practice this year.
Also, in the past I worked hard to completely eliminate the “Misc” category, but it keeps coming back.
