Apple's Screen Time is a C- effort at best. Can't block songs at all. Clean/explicit is too broad, and not granular enough. Also, can't turn off individual apps on a specific platform. And the website approved/unapproved list stuff only works on Safari, but it's broken AF.
It's all disappointing. Computing is an integral part of our lives, and the tools given to parents to help kids and tweens grow into that are completely awful.
Oh, and on personal finance (while I'm ranting) - YNAB is good for tracking, and I am a paying user. But in my estimation all other options are just inadequate. Beyond that, I do all financial forecasting in a spreadsheet. The year is 2020, by the way, and this type of software could be SO empowering for people. And yet.
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