Hi! I am building a personal finance app rethinking  what being 'smart' about money means from first principle. Sometimes it feels that 'saving' is not a lindy framework to think about your finances given current investment opportunity climate. I do realize that the notions of 'investing' and 'saving' are not contradictory, however the lessons of 'rich dad poor dad' book are loosing their relevancy.TO tie this back to the title, I am trying to formulate the 'end' to which 'budgeting' is a mean. To then search for a solution that requires far less attention and effort than budgeting.