At first I thought 'wow this can do everything! It's exactly what I need.' When I downloaded it and got to test it out, I noticed the features I needed the most were on premium. I'm fine with that, but only if premium was a one time payment. Not monthly payments for a membership. Monthly payments are for bills, taxes, video subscriptions, vpns, maybe even online storage subscriptions, but most definitely not calendars or to do lists. Those should stay as free or a small one time payment.