YNAB is a personal finance philosophy. The software that enables that is secondary and could just as easily be a spreadsheet (and v1 was). There’s a huge educa

YNAB is a personal finance philosophy. The software that enables that is secondary and could just as easily be a spreadsheet (and v1 was). There’s a huge education component that YNAB offers of videos, podcasts, and live training sessions. A lot of that material is about how people can change their relationship to money. For the people it works for, it can be truly life changing to go from living paycheck-to-paycheck to being able to accomplish things with money. That’s why you see such rabid fans. They’re fans of the lifestyle, and they happen to use the software.