Currently, if you choose to “exclude from my finances” for an account, these funds are unavailable to spend forever, you can only view the balance. But, that account still shows up as a Fund With option in expenses. I suggest that if the funds are not available to spend, they should not show up in any “Fund With” list.

• Suggest to implement a warning when you set a funding account for an expense, to notify user that the account they picked is unavailable due to being excluded from finances.
• Or, if an account is checked to exclude from finances, maybe it should not appear at all in the “Fund with” list (since those funds are apparently unusable forever if ‘exclude’ is checked)
• Suggest a warning message on ‘exclude from my finances’ that even though balance is set to show at certain date, funds are not available to use on expenses etc.

Example: When inputting future college expenses, I thought PL was drawing from 529 properly since I had told it to fund college with that 529 account. But since since I had checked “exclude from my finances” on the 529 account, those funds were never accessible to pay for college and PL used other income for the college expense.