StopSavingNothing: Is financial management software worth using?

What is the point of using Quicken, Microsoft Money or any other personal financial management software?

They help you keep track of what you are spending your money on and what you are not spending it on. But for the most part they fail miserably at one of the most important things that we are told over and over again – yor goals. They just don’t ‘get you anyplace’. They are all centered on just tracking what you having, not where you want to go. They do have some small goal setting features, but nothing that really helps the layman set an goal and that becomes the center and complete objective of the financial picture. If there is I have completely missed it – and I look at alot of financial management software.

What tools do you use or how do you manage your money so everything you do is goal based? Inquiring minds want to know.