YNAB is a waste of money imo. It’s literally just a spreadsheet with a bunch of mumbo jumbo to justify you paying for it while still manually doing all the work.
Except the auto-imports fuck up constantly which means you need to manually reconcile them. And they straight up discourage you from using auto imports in the first place. You’re “supposed” to reconcile all accounts manually in YNAB.
On top of that you have to make sure every transaction is categorized correctly, so there definitely is manual work to do.
YNAB is a waste of money imo. It’s literally just a spreadsheet with a bunch of mumbo jumbo to justify you paying for it while still manually doing all the work.
The only work you manually have to do is approve transactions that have been auto imported for you - and that’s absolutely a feature, not a bug
Except the auto-imports fuck up constantly which means you need to manually reconcile them. And they straight up discourage you from using auto imports in the first place. You’re “supposed” to reconcile all accounts manually in YNAB.
On top of that you have to make sure every transaction is categorized correctly, so there definitely is manual work to do.
It’s a spreadsheet with a cult, nothing more.