Same. I automate it, though, wherever possible, and still managed to forget to pay my most recent property taxes, heh

I live and die by Reminders.app and yet I still have 20 unaddressed reminders at any given time :(

I set the important reminders for 2pm. Something about 2pm is just right. It doesn't always work, but it works often enough that I "hey Siri, remind me to [x] at 2pm on [day]" when it matters. I usually end up doing it earlier because I know 2pm is coming.

I set my important ones for 1030am or 1pm!