this post was submitted on 01 Jul 2024
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YNAB was a life changer for me, so it's hard to talk badly about it, but I did move on to something more reasonable once I got my shit together.
IMO people should get started with YNAB, use the YNAB "rules", and once they know how it all works, switch to something like Budget with Buckets.
Buckets is not as refined, but the price is right. I do bank syncing with the SimpleFIN Bridge option which is $1.50/month, and I have fewer problems with it than I did with YNAB.