I am glad you are happy.
I suspect many users split out their paycheck.
Yes, I do that split every paycheck.
I think manual transactions will make things harder but you need to make that call.
Why do I code the 401k as an expense? Basically, user preference. The 401k above is a Roth. But if it were a traditional, I would do the same. I like to see the expense on my P&L. In the 401k account, I would code all in’s and out’s as a transfer. When the cash comes back into my bank at retirement time, I would code traditional to income and code Roth to transfer.
The nice thing is that transfers do not need to net to zero.
I did this a few months ago. An interesting project of mine. Maybe it helps.
Cheers,
Blake