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Well it seems to take money without me really noticing (which I guess is the whole point) remember that in the brain (settings) you can also change the agressiveness of the AI. I think I've got mine set just above the midpoint.
I think with Christmas just behind us I'm sure it'll take a little while for the algorithm to settle.
I've been using plum for savings for a while and have considered splitting some of my savings into their investment arm.