I honestly don't care what it recommends as I don't get advice from Mint, but rather just use it to track my spending. However one thing that I don't like, and am not sure how to change, is how to properly set goals that are not in the near future. For instance if I want to set a retirement goal, and I think I'll be able to reach it somewhere between 6-10 years depending on how some things go, how do I account for inflation? If I assume 3.5% inflation which isn't guaranteed and currently need $18,000 to live off, then to retire today I would need only $450,000 If I set my goal for that then when I reach it I'm not retired, my 6 year goal would actually be $554,000 after inflation and my 10 year goal would be $635,000. It's not a big deal and I wouldn't expect them to try and fix it, but it annoys me slightly. In my excel spreadsheets for estimating my retirement I offset inflation by not accounting for raises that I get and assuming stocks only return 5% instead of the historical average of 9.5%(I reduce an extra 1% because real returns are often less than average, example, if you lose 50% one year and then gain 50% the next year your average is 0% so you assume that you haven't lost anything, however in reality you only have 75% of what you started with. 100% *.5 = 50%, 50% *1.5 = 75%.)