I LOVE the product, the chores, investing and auto payments are awesome. We have the upgraded plan and 3 kids using all of the features. The low review is for the app specifically. For whatever reason it turns my phone into a potato (performance wise). I have the Samsung S21 ultra 5G. Anytime this app is on the phone, it runs terribly, slow to unlock, slow to transition the keyboard up, etc...I have tried it with my normal apps, limited apps, tried it as the only app on the phone..all suck.