I'm setting up my YNAB budget for the first time and I'm having the 'credit card float' problem (https://support.ynab.com/en_us/float-BytrIDZJi). Does anybody have experience getting out of this? Is using savings the smartest way to get 'off the float'?

Personally I did option 1 but all three options work. I think 80% of people realistically can only do option 3.