What goes here: Every account you'll track inside the app — personal checking and savings, credit cards, vehicle and home loans, even cash if you keep an envelope. For each account, mark its Role as either M = Main (you make transactions on it) or W = Watched (you only view the balance — e.g. a parent's account, an emergency fund you don't touch). Also mark one account as the place that holds your reserves (usually a savings account).