I feel like YNAB is backwards to how I think about money but it’s the only thing that makes sense for my wife, tried every other budgeting program/app and she says it matches the way her brain works and makes sense to her. She has ADD and has trouble with impulse spending. So we use it. As the data guy (I work on the computer all day typing) I reconcile the accounts and transactions…we assign the money together. For the most part it does what it does fine. It is too expensive for sure and I think there is much opportunity for better features, improvement to apps and the website considering how long it’s been around and how many subscribers they have.