I have used this app for the last year or so and it has helped tremendously! I live paycheck to paycheck most of the time and having small children it really helped to be able to get the lightening speed cash out to feed my children or emergencies and choosing the tip (which I tried to make fair). However im not willing to pay 3.99 for lightening speed then add a tip to! I get why they are doing this but to me there is no point in me using them anymore.