Based on the users' reviews of the Money Clerk app, here are three cons and three pros, each within a 15-word limit: **Cons:** 1. "Glitches and bugs cause app to crash frequently, frustrating to use." 2. "Limited budgeting features and tracking capabilities, not comprehensive enough." 3. "Withdrawal process takes too long, with delayed access to funds." **Pros:** 1. "Easy to use, even for those new to personal finance and budgeting." 2. "Accurate and reliable accounting, great for tracking expenses and income." 3. "Intuitive design and user-friendly interface make it enjoyable to use."