1. A financial card for personal financial management having a body with a front side and a back side and a primary account number associated with a primary account of a user of the financial card, the card comprising: a user interface configured for receiving input from the user at a time of use of the financial card for selecting a subaccount indicator from among a plurality of subaccount indicators each of which is associated with a subaccount within the primary account; and a magnetic strip positioned on the back side, the magnetic strip including a user definable portion configurable by the user at a time of use of the financial card for a transaction, the user interface configuring the user definable portion to include the user selected subaccount indicator.