No, you do not need software in order to become financially successful. Your money can be easily managed on everything from the back of a napkin to an Excel spreadsheet. What you do need to focus on first is changing behaviors, which will allow for you to begin to accumulate wealth, keep spending in check, and be sensitive to your financial goals. Software merely helps you keep track of most of your sources of spending and saving in one place and imports data automatically from your banks and investment accounts, saving you time that would be spent doing everything on paper.