God no. I got in so much debt with ADHD and no budget. Finding YNAB saved my ass and allowed me to buy a house right before it became impossible to do so. Now I won’t pay YNABs insane prices but I still use the same methods.

But obviously I have ADHD so I’ve had to restart that budget many many times. I’ve forgotten about it multiple times over the last 13 years. But I’m finally consistent with it. I check it when I’m going to make a big purchase, I know my general what I need weekly, and I fully review it every pay day (or you know, 2 days later shhh).

My wife got us on YNAB, and we were able to pay off her student loans within a few years. We are only able to eat and afford clothes because of her immense efforts with YNAB.

Although, the insane prices are indeed becoming unbearable. I’m also getting more concerned about privacy and their priorities as a company. I’d love to switch to Actual Budget, but there are just a few features on which my wife completely relies which don’t exist in AB.