I wish I had seen this post when it happened. I’ve tried YNAB at least 3 times now and I just haven’t gotten it. I’m sure it’s a factor of getting out of my own way with it, similar to nearly failing Chem in high school only to get A’s in college, but yikes. I love the concept. And as a young person, employed the method loosely to make sure rent was covered. But going digital with it breaks my brain. When I used Simple Bank or One Financial back in the day, both made it easier to follow. Now, I have all in autopay and am just lost for the rest.