I like how you can “add a note” when you send money to your kids. It would be great if you could add a note when you take money from them (as “fine” or penalty for something), and if there was a more intuitive way to do this than to go to the parent dashboard, hit “add money,” and make the funding source your child’s account. Just as there is a “send money” button on the kid’s dashboard, there should be a “take money” button.