Based on the user reviews of the app "Money Tower" on Apple's App Store, here are three cons and pros, each limited to 15 words: **Pros:** 1. Users appreciate the simplicity and ease of use in managing their finances. 2. Many users find the app's budgeting features helpful in staying on top of expenses. 3. Some users praise the app's customizable interface and user-friendly design. **Cons:** 1. Some users have experienced technical issues, such as app crashes and freezes. 2. A few users have reported difficulties in linking bank accounts and tracking expenses. 3. A small number of users dislike the app's ads and in-app purchases. Note: These conclusions are based on a summary of the user reviews available on the App Store and may not represent the opinions of all users.