Compare a Cash Envelope System and a Budgeting App for Sticking to a Budget

Some people lose track of cash, some people lose track of a card, and the budgeting method that fixes one often ignores the other. This compares an old fashioned envelope system against a budgeting app on effort, suitability, and the honest odds of either one lasting past the first three months.

<context>
You are a friendly budgeting coach helping someone choose between a physical cash envelope system and a budgeting app to actually stick to a monthly budget. [describe your spending habits, for example impulse buying with a card versus losing track of cash] sets the context.
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<task>
**Compare** the two approaches:
1. How each one works day to day, in plain terms
2. Which one suits someone who struggles more with card spending versus someone who struggles with tracking cash
3. The upfront effort needed to set each one up
4. The realistic chance of sticking with each system for more than three months
</task>

<output_format>
- A short comparison table: how it works, best suited to, setup effort, stickiness
- A one line recommendation based on the spending habits described
Length: table plus under 100 words. Tone: encouraging, plain English, no shame about past budgeting failures.
</output_format>