You really don't need a lot of money to use something like YNAB. I have been using YNAB for nearly 5 years now, and it has in fact made me feel a lot richer! It

You really don't need a lot of money to use something like YNAB. I have been using YNAB for nearly 5 years now, and it has in fact made me feel a lot richer! It puts you in full control over the money you actually have, and gets you into the habit of saving for the expenses you will have before they are actually due. That way spending the money doesn't feel like a burden and has no noticeable impact on your ability to pay for other things. Highly recommend checking it out irrespective of how much money you are making!