[commandertso]

Started using YNAB almost a month ago, and I love it. I had previously tried Mint (terribly frustrating for all the promise it has, but it’s been left to wither) and my own spreadsheets. YNAB solves several pain points I had - budgeting for non-monthly recurring expenses was a big one.

Past that, I use a great credit union for liquid cash and mostly liquid emergency fund. The later we have pegged at 6 months of burn. Investments are across a couple institutions and consist of Roth IRAs and 401k stuff - that all goes in index funds.