This is the followup to our interview with Thrive CEO and Founder, Avi Karnani and Lead Scientist, Matt Wallaert. In our first installment, which you can read here, we talked to them about their work in financial literacy, competition with popular money management site, Mint and how they differ from other financial service companies. In this installment, we’ll find out more on behavioral budgeting and how it works, and how Thrive is working to make banking a better service industry.

I got Ramit Sethi’s, a personal finance blogger gone book author, new read a few weeks back and had the pleasure of leisurely siphoning through it over the past few days. I will Teach You to be Rich – the book – like most financial know-hows doesn’t break any new barriers when it comes to basic financial principals. But let’s face it: personal finance isn’t nuclear science. A successful PF book teaches people how to implement these ideas into their daily routine and make them stick.

Quicken — the guys behind some of the most popular finance tools in the home and workplace today — has finally learned from the Internet start-ups what the people want: Free Personal Finance Management. And they’ve launched Quicken Online to feed the starving masses.