However, budgeting can be challenging, especially when trying to track multiple accounts and daily expenses simultaneously. Monarch Money's expense tracking system simplifies the process.Budgeting and tracking can help you understand where your money is going, so you can make every dollar work for you.One of the best ways to get started is by creating a budget to track your spending. This can help you determine how much money you have to invest in your retirement.While a $1-million retirement goal might see ...