Hi @randy,
Your 6 point classification looks reasonable to me, though I canât claim to have thought about the problem deeply. 
However, my primary concern for the Savings Budget sheet continues to be the manual management of savings amounts themselves.
Case in point: I discovered last week that my total savings was about $300 too high due to what was probably human error on my part when setting their initial values.
I can also easily introduce errors when âtransferringâ savings amounts across categories, yet the sheet doesnât (currently, by default) warn me about the mistake.
So, as they stand today, the savings amounts in the Savings Budget are too error prone for my taste. I think what is missing is a concept of an âopening savings balance,â and some way to pick a reasonable value for it based on real account balances. Maybe? With that, and good error checking heuristics for the running balances (no âleakyâ savings transfers), I think I could trust the sheet.