PSA - I know I ask a lot of YNAB questions and a lot of them are pointing out what I perceive to be problems with it so I feel like I should clarify for any new(ish) YNAB users. I haven't tried tons of budgeting tools but YNAB is easily the best I've used so far. I started my budgeting career with Google Sheets and then switched to Mint, neither of which gave me the ease of clearly understanding where each dollar was going. With YNAB I know exactly if I have enough money to allocate towards expense A, and if I don't I know exactly where I'm deallocating money from to use for expense A. This helps me avoid "laundering" my own money, whereby, for example, I avoid paying for expense A with money set aside monthly for a yearly expense B and having money "allocated" to both expenses. In fact, I originally (well before YNAB) set up 2 separate bank accounts - one for the current month's money and another for non-monthly expenses that I would save up for so I wouldn't just look at a single account and think I have more money to spend than I really do. YNAB makes that completely unnecessary.

How did you first discover YNAB and why did you decide to try it? @broad-australia-98095

I discovered it from this slack. I had been using mint but it wasn't so useful for budgeting so I decided to give YNAB a try.