Well, it's $150 a year, whereas improving personal finance skills is a lifetime investment. But most of the investment (or all, if you check out a book from the library) is in time, which, as another commenter pointed out, the target market for this may not have, and habit-forming, which is hard to do. So I'll definitely allow this is a "better" solution, in the sense that it may be more likely to succeed for for more people, but I still believe that for individuals who can, building the capability to do it without for-pay external support would be better.