I’m afraid I have no advice about budget software, but I can totally co-sign onto this sentiment. I had spent the first half-century of my life buying the cheapest option possible (or, just as commonly, the second-cheapest option because of a presumed quality boost over the cheapest) just to save money. Once I turned fifty and started realizing I was going to have to start keeping things literally for the rest of my life, I started buying the highest quality stuff almost regardless of price, and I have never regretted that. It took another ten years to get my wife on board with that, and I’ve got her almost all the way there.