Delay... Not Debt Jesse shares a story about helping his daughter use YNAB to plan her spending and save for an electric bicycle. The bike was $600, quite a big ticket item for a 9 year old, but together they came up with a plan and created a target in YNAB to assign money toward that goal each month. And when the day came a few months later to make the purchase... she didn't want it.   The burning desire for the bike had passed, and the clarity of the tradeoffs she would have to make to buy it set in. At the...