[rollerboi]

I used v4 back in 2012-2013 (when I was in college). They switched to nYNAB a year or so after, and I hated that everything was "in the cloud" and there was an option to "automatically import transactions from my bank account." I was like, what? I thought YNAB was about manually tracking my balances so I always knew what was going on.

But I got back into budgeting in mid 2018, and I actually love all of those features. imo the $7/mo I pay is well worth the auto-transactions, auto-syncing across all devices without dropbox, ability to link several different accounts (my checking acct is with a small local credit union, I have a brokerage account, a personal loan I'm paying down, etc.).