Kubera provides several valuable aspects. 1) It makes it extremely easy to keep tabs on your financial situation, 2) I love the ability to add insurance policies because that is something that is often overlooked and difficult to track when you factor in employer-offered insurance, 3) It has allowed my wife, who is not as involved with our family's finances, to easily track and understand all aspects of our financial situation, 4) It provides peace of mind knowing that, God forbid, something bad happened, someone could easily find all of the necessary financial/insurance information in one place. If I had to provide some potential growth opportunities it would be to make the document center component of Kubera secure enough that login information could be stored there. I use 1Password and it would be nice to be able to upload my emergency login sheet to Kubera. Also, an app would be helpful at times when I don't have access to my desktop. Overall, I love Kubera and have recommended it to all of my friends. I think anyone who doesn't use it is missing out.