Its better to design, implement, and use local-first software: https://www.inkandswitch.com/local-first/
Very cool, and interesting that Martin Kleppmann of DDIA is an author. I am glad to come across this - I was brainstorming such a manifesto, now I can use this as a resource. One local first that I recently switched to is migrating from ynab.com to my own Libre Calc spreadsheets. It took a few days to figure out all the formulas, but now I have even more control over how I track my budget.
Asking as I’m sort of in the middle of the two. I keep a mostly complete spreadsheet of my expenses but that doesn’t account for things that I purchase regularly like groceries/Amazon/etc. Trying Copilot for a year right now as well.