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Automatic Set Spending Category

The current default category of spending is often wrong (for example gas station instead of restaurant) and I need to go back to fix them. I’ve noticed that it tries to guess based on the name, but that can be completely wrong. Instead of trying to guess, or for me to manually set, it would be helpful for it to set the category based on what other people have manually selected for that vendor (for example 90% of people selected Restaurant).

It would also be helpful to have smarter rules, for example a vendor on one credit card can be one category and a different category using a different card.
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