You should check out plain text accounting software Beancount. I've built a skill for this here https://github.com/ouachitalabs/skills/blob/main/beancount/S... and I use it for my custom personal finance agent.

> My response: I suspect the guy who I found on Upwork who charges $10/hour has probably made mistakes in his work.

I suspect that the Upwork guy, however, would realize it if he were making a tremendous error, and not just keep going.

Keep in mind that there's a difference between bookkeeping and accounting.

Bookkeeping is simply the systematic recording of financial transactions.

Accounting is the interpretation, analysis, and reporting on said data.