No thanks. I find it easier to use structureless system where I enforce the rules rather than software to do it for me.

Like I track my expenditures, and I have a rough envelope system set up between my two banks. Each paycheck $1k goes into an account that handles all bills plus savings, with most of them on autopay, and any remainder goes to a different bank and I use that card for whatever I feel like.

All I remember from trying to use YNAB is it somehow concluded I had $50 when I actually had like $150 and there was no way to override it.

I was working as a freelancer at the time and there was no way to answer its “How much is your regular recurring paycheck?”

I don’t need something inflexible like that.